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HARTFORD INSURANCE GROUP, INC.

HIG

$142.94 ▼ -1.56 (-1.08%) at close

15 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

HARTFORD INSURANCE GROUP, INC. shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $40.4B

Dividend Yield 1.51%

Revenue Growth 6.9% ↘

Op. Margin 16.8% ↗

ROIC None

FCF / Share None

Trailing P/E 10.6x

Price / Book 2.1x

FCF Yield —

Debt / Equity 0.23

info Valuation on last close. End-of-day price, Aug 7, 2026.

15-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$28.37B

↑ +6.9% —

Net Income Profit after all expenses

$3.84B

↑ +23.3% —

Operating Margin Operating profit as % of sales

16.8%

↑ +15.7% 70th

Long-Term Debt Long-term obligations

$4.37B

— +0.1% —

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Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$2.16 Latest / share

+11.9% YoY

+24.2% 12-yr CAGR

$0.20

FY 2014

$0.40

FY 2015

$0.50

FY 2016

$0.66

FY 2017

$1.10

FY 2018

$1.20

FY 2019

$1.30

FY 2020

$1.44

FY 2021

$1.58

FY 2022

$1.75

FY 2023

$1.93

FY 2024

$2.16

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2009 10-K ↗	FY 2012 Dec 31, 2008 10-K ↗	FY 2011 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	6.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	8.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+36%)	9.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	-0.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-102%)	9.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+52%)	-1.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-117%)	9.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+57%)	1.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-69%)	-10.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-266%)	-20.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-448%)	18.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+208%)	-10.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-279%)	167.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2699%)	-64.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1174%)	—
EPS Growth YoY (%)	28.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	29.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	46.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-17.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	40.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-16.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	13.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	177.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	389.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	67.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—
Net Income Growth YoY (%)	23.3% Good ↑ Good Improving Year-over-year change in net income	24.2% Good ↑ Good Improving Year-over-year change in net income	37.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-23.1% Weak ↓ Weak Declining Year-over-year change in net income	36.2% Excellent ↓ Excellent Declining Year-over-year change in net income	-16.7% Weak ↓ Weak Declining Year-over-year change in net income	15.4% Good ↓ Good Declining Year-over-year change in net income	126.4% Excellent Excellent Year-over-year change in net income	353.4% Excellent Excellent Year-over-year change in net income	N/M	N/M	N/M	67.7% Excellent Excellent Year-over-year change in net income	N/M	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.3% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-10.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	41.5% Excellent Excellent Compound annual revenue growth over 3 years	-5.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.6% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-4.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-5.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	15.1% Excellent Excellent Compound annual revenue growth over 5 years	-4.4% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	34.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	19.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	10.1% Good ↓ Good Declining Compound annual EPS growth over 3 years	38.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	149.1% Excellent Excellent Compound annual EPS growth over 3 years	—	-11.4% Weak Weak Compound annual EPS growth over 3 years	—	—	-34.7% Weak Weak Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2009 10-K ↗	FY 2012 Dec 31, 2008 10-K ↗	FY 2011 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	16.8% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	14.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	12.6% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	10.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	12.9% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	10.3% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	—	—	—	—	—	—	-7.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-128%)	-49.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-299%)	15.5% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)
Effective Tax Rate (%) (%)	19.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.1% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	13.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	11.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	10.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	8.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	10.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	8.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	10.1% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	9.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	4.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	0.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	-0.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	7.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	-3.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-116%)	-29.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-236%)	11.4% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2009 10-K ↗	FY 2012 Dec 31, 2008 10-K ↗	FY 2011 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	4.5% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	-1.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	20.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+68%)	18.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+58%)	16.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+36%)	13.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	13.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	12.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	13.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	0.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	-0.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	8.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	-5.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-141%)	-29.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-347%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2009 10-K ↗	FY 2012 Dec 31, 2008 10-K ↗	FY 2011 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.27x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.28x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.32x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.28x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.30x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.36x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.33x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.35x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.32x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.33x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.31x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.63x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-48%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2009 10-K ↗	FY 2012 Dec 31, 2008 10-K ↗	FY 2011 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$100.45	$90.29	$79.87	$68.85	$64.14	$57.28	$57.47	$52.89	$42.13	$46.18	$59.68	$51.10	$71.33	$30.06	$81.93
Basic EPS, GAAP (USD)	$13.51	$10.51	$8.09	$5.54	$6.71	$4.79	$5.72	$5.03	$1.81	$0.37	$-0.18	$2.60	$-2.93	$-8.99	$9.32
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$2.16	$1.93	$1.75	$1.58	$1.44	$1.30	$1.20	$1.10	$0.66	$0.50	$0.40	$0.20	$0.20	$1.91	$2.03
Book Value per Share (USD)	$67.21	$55.96	$49.91	$42.11	$51.11	$51.79	$45.08	$36.55	$42.37	$42.23	$51.28	$43.46	$51.59	$30.22	—
Tangible Book Value per Share (USD)	$58.43	$47.29	$41.38	$33.83	$43.18	$43.80	$36.82	$31.12	$41.24	$41.11	$49.79	$41.13	$48.11	$26.76	—
Basic Weighted Avg Shares (shares)	282.40M	293.90M	307.10M	324.80M	349.10M	358.30M	360.90M	358.40M	441.80M	447.70M	437.70M	431.50M	346.30M	306.70M	316.30M
Dividend Payout Ratio (%)	16.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	21.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	28.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	27.1% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	21.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	21.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	36.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	135.1% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-222.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	7.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-6.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-21.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	21.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2009 10-K ↗	FY 2012 Dec 31, 2008 10-K ↗	FY 2011 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$4.37B	$4.37B	$4.36B	$4.36B	$4.94B	$4.35B	$4.35B	$4.26B	$5.65B	$6.11B	$6.81B	$6.22B	$5.50B	$5.82B	—
Total Equity (USD)	$18.98B	$16.45B	$15.33B	$13.68B	$17.84B	$18.56B	$16.27B	$13.10B	$18.72B	$18.91B	$22.45B	$18.75B	$17.86B	$9.27B	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2009 10-K ↗	FY 2012 Dec 31, 2008 10-K ↗	FY 2011 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$28.37B	$26.54B	$24.53B	$22.36B	$22.39B	$20.52B	$20.74B	$18.95B	$18.61B	$20.67B	$26.12B	$22.05B	$24.70B	$9.22B	$25.92B
Net Income, GAAP (USD)	$3.84B	$3.11B	$2.50B	$1.82B	$2.37B	$1.74B	$2.08B	$1.81B	$798.00M	$176.00M	$-38.00M	$1.64B	$-887.00M	$-2.75B	$2.95B
Operating Cash Flow (USD)	$5.92B	$5.91B	$4.22B	$4.01B	$4.09B	$3.87B	$3.49B	$2.84B	$1.89B	$1.24B	$2.68B	$3.31B	$2.97B	$4.19B	$5.99B

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗	FY 2016 Dec 31, 2013 10-K ↗	FY 2015 Dec 31, 2012 10-K ↗	FY 2014 Dec 31, 2011 10-K ↗	FY 2013 Dec 31, 2009 10-K ↗	FY 2012 Dec 31, 2008 10-K ↗	FY 2011 Dec 31, 2007 10-K ↗
Premiums Earned (USD)	$24.03B	$22.57B	$21.03B	$19.39B	$18.00B	$17.29B	$16.92B	$15.87B	$13.34B	$13.23B	$13.63B	$14.05B	$14.42B	$15.50B	$15.62B
Loss Ratio (%) (%)	63.4%	65.9%	67.7%	67.8%	70.7%	68.3%	67.8%	70.4%	81.0%	83.5%	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 15 years · 58 quarters

HARTFORD INSURANCE GROUP, INC.

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15-Year Financial Trajectory

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