CoverageForm 410-K10-Q8-K13D13G13F

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.

Price · HIG

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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 itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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 itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin16.8%14.5%12.6%10.1%9.5%10.3%
EBITDA margin17.4%15.2%13.4%11.0%11.0%11.9%
Net margin13.5%11.7%10.2%8.1%10.6%8.5%
Free cash flow margin20.3%21.7%16.3%17.1%17.7%18.3%
FCF / Net income1.501.851.602.111.672.16
R&D / Revenue------
SG&A / Revenue19.7%19.8%19.9%21.6%21.3%21.8%
Effective tax rate19.4%19.2%18.9%19.6%18.3%18.1%
Return on assets4.5%3.8%3.3%2.5%3.1%2.3%
Return on equity20.2%18.9%16.3%13.3%13.3%9.4%
Return on invested capital16.4%14.9%12.7%10.1%7.6%7.6%
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity0.230.270.280.320.280.23
Debt / Assets0.050.050.060.060.060.06
Debt / EBITDA0.881.081.331.762.011.79
Interest coverage23.9x19.3x15.5x10.6x9.1x9.0x
Equity multiplier4.534.925.015.364.293.99
Liabilities / Assets0.780.800.800.810.770.75
Efficiency
Asset turnover0.330.330.320.310.290.28
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E10.3x10.6x10.1x13.9x10.4x10.3x
P / B2.1x2.0x1.6x1.8x1.4x1.0x
P / S1.4x1.2x1.0x1.1x1.1x0.9x
EV / EBITDA8.8x9.1x8.9x11.7x11.8x8.9x
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 total
PCBusiness 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

CompanyRevenue (last FY)Net marginROE
PGR$87.67B12.9%37.3%
DGICA$978.01M8.1%12.4%
AIG$26.77B11.6%7.5%
TRV$48.83B12.9%19.1%
CINF$12.63B18.9%15.0%

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-datePer 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