# The Hartford Insurance Group, Inc. (HIG) — Stock CV

The Hartford Insurance Group, Inc. is a $35.0B financial services company. Revenue grew 4.9% over the last year, and it keeps 15¢ of every dollar of sales as profit. It trades at 8.0× earnings — near the lowest of its own history.

> The Hartford Insurance Group Inc. provides property and casualty insurance, group benefits, and mutual funds. The company is widely recognized for its service excellence, sustainability practices, trust, and integrity.

## Identity

- **Ticker**: HIG
- **Sector**: Financial Services
- **Industry**: Fire, Marine & Casualty Insurance
- **Headquarters**: HARTFORD, CT
- **Employees**: 19 200
- **Website**: https://www.thehartford.com
- **Market cap**: $35.0B
- **Last price**: $129.11
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $28.8B
- **Net income**: $4.37B
- **Free cash flow**: $5.71B
- **Net debt**: $18.0M
- **P/E**: 8.0
- **Revenue growth (YoY)**: 4.9%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 100 |
| Growth | 57 |
| Profitability | 80 |
| Health | 45 |
| Quality | 97 |
| Moat | 45 |

## Qualifications (beginner checklist) — 10 of 11 passed

- [x] Revenue growing — +4.9% YoY
- [x] Profitable — $4.37B TTM
- [x] Profit growing — +34.5% YoY
- [x] Generates cash — $5.71B TTM
- [x] Debt under control — ~0.0y of cash flow to repay
- [x] Established company — $35.0B market cap
- [x] Not printing shares — -21.1% shares over ~5y
- [x] Proven track record — 9/10 profitable years
- [ ] Financially stable — health score 25/100
- [x] Pays a dividend — yield 1.85%
- [x] Valuation not extreme — P/E 8.0

## Experience (career milestones)

- **FY2025** — Best year on record: $3.84B net income
- **FY2016** — First recorded profitable year: $896M net income
- **FY2016** — Revenue already above $10B: $18.3B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak

## Strengths

- Strong cash conversion — FCF is 19.8% of revenue
- Interest covered 32.1× by operating earnings
- High returns on invested capital (ROIC 21.0%)
- Piotroski F-Score 7/9 — fundamentally strong checklist

## Watch-outs

- Loss-making in 1 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $22.4B | $2.37B | $3.96B |
| FY2022 | $22.4B | $1.81B | $3.83B |
| FY2023 | $24.5B | $2.50B | $4.00B |
| FY2024 | $26.5B | $3.11B | $5.76B |
| FY2025 | $28.4B | $3.84B | $5.75B |

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Source: https://stockcv.com/HIG — derived from company filings; may be delayed or incomplete. Information, not investment advice.