Company Analysis

The Hartford Insurance Group, Inc. (HIG)

NYSE: HIG · Fire, Marine & Casualty Insurance · Hartford, CT · filing with the SEC since 1996
Grade6.1
◀ Past 7.0● Present 6.0▶ Future 5.0

The grade of The Hartford Insurance Group, Inc.

Nine metrics read from its own filings, by tense
Headline grade
6.1/10
◀ Past7.040% of the headline
● Present6.035% of the headline
▶ Future5.025% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

7.0/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.3/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 73rd percentile among 60 sector filers · read for itself

From the record

The Hartford Insurance Group, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.4/10

What has it actually done, year after year?

+4.4% a year over 10 filed years; profitable in 9 of 10.

weight 22% of this tense · 44th percentile among 56 sector filers · read for its customers

From the record

The Hartford Insurance Group, Inc.'s 10 filed years say what it did: revenue went from $18 billion in fiscal 2015 to $28 billion in fiscal 2025, up 4.4% a year; it rose in 6 of 9 years; the deepest fall was 7% from fiscal 2015 to fiscal 2017; net income was positive in 9 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span4.4%bottom 33% of its family
  • the share of years revenue rosebottom 27% of its family
  • the share of filed years with a profittop 40% of its family
  • the deepest fall from a revenue peak6.6%top 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
8.0/10

How has it treated the people who own it?

Share count shrank 4.6% a year. 39% of cash flow returned. Insiders: 19 sales, 0 purchases.

weight 45% of this tense · 80th percentile among 49 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, The Hartford Insurance Group, Inc.'s diluted share count shrank about 4.6% a year, and dividends and buybacks returned about 39% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 19 sales (14 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-04 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 12% of its family
  • cash returned against operating cash flowtop 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.0/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
6.4/10

Is it financially healthy right now?

ROE 20%: 20¢ of profit per shareholder dollar. Leverage 78%: owes 78¢ per asset dollar.

weight 45% of this tense · 64th percentile among 60 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, The Hartford Insurance Group, Inc. earned about 20 cents of profit for every dollar of shareholders' money. Leverage: it owed about 78 cents per dollar of assets, and net share issuance: its share count shrank 4.1% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 36% of its family
  • return on equitytop 29% of its family
  • the share count against the year beforetop 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.0/10

How strong is its position in its industry?

top 40% of 60 in its family; net margin 13.5%.

weight 33% of this tense · 60th percentile among 60 sector filers · read for its customers

From the record

The Hartford Insurance Group, Inc.'s standing among 60 graded names in its industry family: revenue of $28 billion in fiscal 2025 ranks in the top 11% by size; a net margin of 13.5% ranks in the top 42%; revenue growth of 8.3% a year over the last 3 filed years ranks in the bottom 34% (its annual reports).

What it rests on

  • revenue against the family$28.37Btop 11% of its family
  • net margin13.5%top 42% of its family
  • three-year revenue growth8.3%bottom 34% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
5.2/10

What are the people in charge doing?

top 48% of 47 in its family for leadership; chief executive since 2015.

weight 22% of this tense · 52nd percentile among 47 sector filers · read for its shareholders

From the record

The Hartford Insurance Group, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Swift, Christopher (Chairman and CEO, as filed), filing under that title since 2015-02-24, 11.7 years (top 14% of its family); the 21 officers and directors filing in the last fifteen months have been on the record a median of 5.7 years (bottom 32%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 21 people in charge now (bottom 37%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge10 in three years among 21 peoplebottom 37% of its family
  • the median years the people in charge have filed5.7 yearsbottom 32% of its family
  • the chief executive's years on the record11.7 yearstop 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.0/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
3.8/10

How much room does it have to grow?

bottom 38% of 60 in its family for room to expand.

weight 33% of this tense · 38th percentile among 60 sector filers · read for itself

From the record

The Hartford Insurance Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $177 million against debt of $4.4 billion leaves -4.9% of its assets as net cash, bottom 18% of its family; cash from operations less capital spending is 20.3% of revenue (top 41%) (its annual report).

What it rests on

  • cash less debt against assets-4.9%bottom 18% of its family
  • cash from operations less capital spending against revenue20.3%top 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
5.6/10

What could actually drive growth from here?

top 44% of 56 in its family for growth drivers.

weight 33% of this tense · 56th percentile among 56 sector filers · read for its customers

From the record

The Hartford Insurance Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 8.3% a year over the last three filed years against 4.4% over all 10, speeding up (top 40% of its family); the newest year grew 6.9% (top 46%); capital spending grew -1.2% a year (top 45%) (its annual reports). The Hartford Insurance Group, Inc. reported 5 lines of business in fiscal 2025: PC Business Insurance at $16 billion, Employee Benefits at $7.1 billion, PC Personal Insurance at $4.1 billion, and 2 more. 5 of 5 grew in the latest filed year, and the largest line is 56% of revenue (its annual report).

What it rests on

  • three-year growth against the whole span+3.8 points a yeartop 40% of its family
  • the newest year's revenue growth6.9%top 46% of its family
  • three-year growth of capital spending-1.2%top 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
5.4/10

Did its newest year beat what its own record pointed to?

top 46% of 56 in its family for expectations against reality.

weight 33% of this tense · 54th percentile among 56 sector filers · read for its shareholders

From the record

The Hartford Insurance Group, Inc.'s newest year against its own record: revenue of $28 billion in fiscal 2025 came in 1.9% below the $29 billion its prior three years' pace pointed to (top 28% of its family); net income of $3.8 billion against a prior three-year average of $2.5 billion (bottom 42%); a net margin of 13.5% against 10% before (bottom 47%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-1.9%top 28% of its family
  • net income against the prior three years' average+55%bottom 42% of its family
  • net margin against its prior average+3.5 pointsbottom 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton HIG · research, not advice