HIG · Hartford Financial Services Group, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $28.37B | $26.54B | $24.53B | $22.36B | $22.39B | $20.52B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | $5.58B | $5.26B | $4.88B | $4.83B | $4.78B | $4.48B |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $187.00M | $177.00M | $204.00M | $213.00M | $342.00M | $313.00M |
| Operating Income | $4.76B | $3.85B | $3.09B | $2.26B | $2.12B | $2.12B |
| Interest Expense | $199.00M | $199.00M | $199.00M | $213.00M | $234.00M | $236.00M |
| Income Tax | $924.00M | $738.00M | $584.00M | $443.00M | $531.00M | $383.00M |
| Net Income | $3.84B | $3.11B | $2.50B | $1.81B | $2.37B | $1.74B |
| EPS - Basic | $13.51 | $10.51 | $8.09 | $5.52 | $6.71 | $4.79 |
| EPS - Diluted | $13.32 | $10.35 | $7.97 | $5.44 | $6.62 | $4.76 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $177.00M | $234.00M | $189.00M | $344.00M | $337.00M | $239.00M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $86.00B | $80.92B | $76.78B | $73.02B | $76.58B | $74.11B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $4.37B | $4.37B | $4.36B | $4.36B | $4.94B | $4.35B |
| Total Liabilities | $67.02B | $64.47B | $61.45B | $59.39B | $58.73B | $55.55B |
| Stockholders' Equity | $18.98B | $16.45B | $15.33B | $13.63B | $17.84B | $18.56B |
| Retained Earnings | $24.74B | $21.53B | $19.01B | $17.05B | $15.76B | $13.92B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.92B | $5.91B | $4.22B | $4.01B | $4.09B | $3.87B |
| Investing Cash Flow | ($3.76B) | ($3.77B) | ($2.43B) | ($1.28B) | ($2.47B) | ($2.07B) |
| Financing Cash Flow | ($2.23B) | ($2.08B) | ($1.95B) | ($2.71B) | ($1.58B) | ($1.78B) |
| CapEx | $169.00M | $145.00M | $215.00M | $175.00M | $133.00M | $114.00M |
| Free Cash Flow | $5.75B | $5.76B | $4.00B | $3.83B | $3.96B | $3.76B |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 16.8% | 14.5% | 12.6% | 10.1% | 9.5% | 10.3% |
| EBITDA margin | 17.4% | 15.2% | 13.4% | 11.0% | 11.0% | 11.9% |
| Net margin | 13.5% | 11.7% | 10.2% | 8.1% | 10.6% | 8.5% |
| Free cash flow margin | 20.3% | 21.7% | 16.3% | 17.1% | 17.7% | 18.3% |
| FCF / Net income | 1.50 | 1.85 | 1.60 | 2.11 | 1.67 | 2.16 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 19.7% | 19.8% | 19.9% | 21.6% | 21.3% | 21.8% |
| Effective tax rate | 19.4% | 19.2% | 18.9% | 19.6% | 18.3% | 18.1% |
| Return on assets | 4.5% | 3.8% | 3.3% | 2.5% | 3.1% | 2.3% |
| Return on equity | 20.2% | 18.9% | 16.3% | 13.3% | 13.3% | 9.4% |
| Return on invested capital | 16.4% | 14.9% | 12.7% | 10.1% | 7.6% | 7.6% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.23 | 0.27 | 0.28 | 0.32 | 0.28 | 0.23 |
| Debt / Assets | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 |
| Debt / EBITDA | 0.88 | 1.08 | 1.33 | 1.76 | 2.01 | 1.79 |
| Interest coverage | 23.9x | 19.3x | 15.5x | 10.6x | 9.1x | 9.0x |
| Equity multiplier | 4.53 | 4.92 | 5.01 | 5.36 | 4.29 | 3.99 |
| Liabilities / Assets | 0.78 | 0.80 | 0.80 | 0.81 | 0.77 | 0.75 |
| Efficiency | ||||||
| Asset turnover | 0.33 | 0.33 | 0.32 | 0.31 | 0.29 | 0.28 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.3x | 10.6x | 10.1x | 13.9x | 10.4x | 10.3x |
| P / B | 2.1x | 2.0x | 1.6x | 1.8x | 1.4x | 1.0x |
| P / S | 1.4x | 1.2x | 1.0x | 1.1x | 1.1x | 0.9x |
| EV / EBITDA | 8.8x | 9.1x | 8.9x | 11.7x | 11.8x | 8.9x |
| Growth | ||||||
| Revenue growth (YoY) | 6.9% | 8.2% | 9.7% | -0.1% | 9.1% | -1.0% |
| Revenue CAGR (3y) | 8.3% | 5.8% | 6.1% | 2.5% | - | - |
| Revenue CAGR (5y) | 6.7% | 5.1% | - | - | - | 2.2% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 23.7% | 24.6% | 36.8% | 6.5% | 0.0% | -17.2% |
| Net income growth (YoY) | 23.3% | 24.2% | 38.0% | -23.3% | 36.2% | -16.7% |
| EPS growth (YoY) | 28.7% | 29.9% | 46.5% | -17.8% | 39.1% | -15.9% |
| EPS CAGR (3y) | 34.8% | 16.1% | 18.7% | -1.3% | - | - |
| EPS CAGR (5y) | 22.9% | 12.8% | - | - | - | 3.7% |
| FCF growth (YoY) | -0.2% | 43.9% | 4.5% | -3.2% | 5.4% | 11.0% |
| FCF CAGR (5y) | 8.9% | 11.2% | - | - | - | 8.9% |
| Book value growth (YoY) | 15.4% | 7.3% | 12.4% | -23.6% | -3.8% | 14.1% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$28.22B totalPCBusiness Insurance$15.81B · 56.0%
Employee Benefits$7.14B · 25.3%
PCPersonal Insurance$4.09B · 14.5%
Hartford Funds$1.11B · 3.9%
Property Casualty Other Operations$73.00M · 0.3%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing HARTFORD FINANCIAL SERVICES GROUP against the 5 most active filers in the same SIC group.
Dividends
$2.32/share trailing 12 months · +14.3% YoY
| Ex-date | Per share |
|---|---|
| Jun 1, 2026 | $0.6000 |
| Mar 2, 2026 | $0.6000 |
| Dec 1, 2025 | $0.6000 |
| Sep 2, 2025 | $0.5200 |
| Jun 2, 2025 | $0.5200 |
| Mar 3, 2025 | $0.5200 |
| Dec 2, 2024 | $0.5200 |
| Sep 3, 2024 | $0.4700 |
| Jun 3, 2024 | $0.4700 |
| Mar 1, 2024 | $0.4700 |
| Nov 30, 2023 | $0.4700 |
| Aug 31, 2023 | $0.4250 |
| May 31, 2023 | $0.4250 |
| Mar 3, 2023 | $0.4250 |
| Nov 30, 2022 | $0.4250 |
| Aug 31, 2022 | $0.3850 |
| May 31, 2022 | $0.3850 |
| Feb 28, 2022 | $0.3850 |
| Nov 30, 2021 | $0.3850 |
| Aug 31, 2021 | $0.3500 |
| May 28, 2021 | $0.3500 |
| Feb 26, 2021 | $0.3500 |
| Nov 30, 2020 | $0.3250 |
| Aug 31, 2020 | $0.3250 |