US · HIG
The Hartford Financial Services Group, Inc.
- Sector
- Financial Services · Insurance - Diversified
- Headquarters
- Hartford, CT 06155
- Website
- thehartford.com
Price · as of 2025-12-31
$135.81
Market cap 39.28B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $106.80 | -21.36% |
| Intrinsic Value(DCF) | $76.62 | -43.58% |
| Graham-Dodd Method(GD) | $95.80 | -29.46% |
| Graham Formula(GF) | $203.99 | +50.2% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $15.13 | $52.76 | $195.75 | $48.93 | $11.21 |
| 2012 | $19.49 | $13.09 | $0.00 | $41.92 | $0.00 |
| 2013 | $28.01 | $18.14 | $0.00 | $35.61 | $0.79 |
| 2014 | $33.48 | $33.35 | $12.24 | $40.70 | $0.00 |
| 2015 | $36.25 | $34.59 | $32.13 | $50.09 | $0.00 |
| 2016 | $41.10 | $36.08 | $31.72 | $40.77 | $22.77 |
| 2017 | $47.25 | $30.39 | $24.56 | $0.00 | $0.00 |
| 2018 | $41.46 | $42.76 | $32.20 | $42.30 | $85.36 |
| 2019 | $44.89 | $37.99 | $3.82 | $49.80 | $98.92 |
| 2020 | $50.34 | $40.88 | $87.96 | $50.68 | $34.78 |
| 2021 | $62.11 | $47.71 | $96.75 | $57.85 | $98.10 |
| 2022 | $66.59 | $53.68 | $144.31 | $39.75 | $50.89 |
| 2023 | $94.04 | $57.74 | $24.24 | $57.64 | $155.20 |
| 2024 | $115.84 | $87.51 | $70.73 | $72.94 | $171.11 |
| 2025 | $141.86 | $106.80 | $40.83 | $95.80 | $203.99 |
AI valuation
Our deep-learning model estimates The Hartford Financial Services Group, Inc.'s (HIG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $106.80
- Current price
- $135.81
- AI upside
- -21.36%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$76.62
-43.58% upside
Graham-Dodd
$95.80
-29.46% upside
Graham Formula
$203.99
+50.2% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HIG | The Hartford Financial Se… | $135.81 | 39.28B | -21% | -44% | -29% | +50% | 10.44 | 2.11 | 1.42 | 7.46 | 36.39 | 2.43 | 46.08% | 16.84% | 13.57% | 21.66% | 21.66% | 4.60% | 0.23 | 23.92 | 17.65 | 17.65 | 0.79 | 2870.00% | 710.00% | -19.00% | 14.36% | 9.68 | 32.48% | 1.53% | 16.00% | 5.56% | 8.39 | 6.94 | 1.41 | 1.41 |
| ACGL | Arch Capital Group Ltd. | $100.15 | 36.32B | +61% | +147% | +23% | +165% | 8.48 | 1.54 | 1.92 | 7.10 | 220.60 | 1.62 | 51.76% | 26.56% | 22.65% | 19.54% | 21.90% | 6.38% | 0.11 | 34.86 | 1.21 | 1.21 | 0.32 | 384.00% | 1474.00% | -746.00% | 16.43% | 0.83 | 30.50% | 0.13% | 1.10% | 5.23% | 7.56 | 6.37 | 2.01 | 1.66 |
| ACGLO | Arch Capital Group Ltd. | $20.79 | 12.12B | +520% | +935% | +493% | +1,178% | 1.75 | 0.32 | 0.40 | 1.72 | 45.58 | 0.34 | 51.76% | 26.56% | 22.65% | 19.54% | 21.90% | 6.38% | 0.11 | 34.86 | 1.21 | 1.21 | 0.32 | 384.00% | 1474.00% | -746.00% | 79.54% | 0.83 | 30.50% | 0.61% | 1.10% | 25.30% | 1.83 | 1.54 | 0.49 | 1.24 |
| AEG | Aegon Ltd. | $7.50 | 11.36B | +109% | +560% | -65% | +201% | 15.96 | 1.15 | 0.54 | -67.18 | — | 1.22 | 100.00% | 3.37% | 3.52% | 7.89% | -3.69% | 0.21% | 0.54 | 109.50 | 4.14 | 8.47 | 2.40 | -35000.00% | 5040.00% | -1101.00% | 6.75% | 0.10 | -3.99% | 4.95% | 78.90% | 13.73% | -64.93 | -60.00 | -2.19 | 0.19 |
| AIG | American International Gr… | $80.49 | 43.43B | -24% | -14% | -15% | -56% | 14.80 | 1.11 | 1.71 | 2.15 | 23.84 | 1.29 | 34.51% | 14.49% | 11.56% | 7.40% | -37.88% | 1.92% | 0.22 | 9.80 | 0.85 | 0.85 | 1.02 | 6209.00% | -182.00% | 125.00% | 7.23% | 0.03 | -40.54% | 2.13% | 31.50% | 14.86% | 4.29 | 5.02 | 0.62 | 0.69 |
| EQH | Equitable Holdings, Inc. | $40.22 | 11.52B | +117% | -60% | — | — | -8.75 | -163.11 | 1.03 | 120.56 | — | -2.24 | 79.14% | -10.23% | -11.83% | -182.66% | 1.36% | -0.45% | -61.78 | -5.33 | 25.50 | 111.88 | 133.02 | -22778.00% | -621.00% | 7199.00% | 21.16% | 1.83 | -3.36% | 0.00% | 0.00% | 1066.37% | 97.92 | -45.74 | -10.01 | 0.21 |
| GSHD | Goosehead Insurance, Inc | $54.20 | 1.35B | +155% | -27% | — | -51% | 31.09 | -14.47 | 3.78 | 20.38 | — | -10.22 | 46.25% | 20.38% | 7.62% | -172.24% | 31.25% | 10.94% | -4.22 | 3.13 | 7.60 | 20.55 | 4.30 | -1034.00% | 1615.00% | 2200.00% | 6.23% | 7.87 | 41.33% | 10.55% | 328.00% | 16.46% | 23.52 | 20.34 | 4.79 | 2.68 |
| IGIC | International General Ins… | $25.20 | 1.11B | +62% | +19% | -16% | +117% | 7.52 | 1.55 | 1.93 | 4.72 | 44.61 | 1.73 | 43.79% | 25.15% | 25.70% | 22.62% | 50.55% | 7.61% | 0.01 | — | 1.00 | 1.30 | -1.14 | 1686.00% | 1024.00% | 490.00% | 19.94% | 0.32 | 77.51% | 2.61% | 19.60% | 4.88% | 4.84 | 3.16 | 1.22 | 1.28 |
| ORI | Old Republic Internationa… | $42.87 | 10.61B | -36% | -18% | -35% | +62% | 11.21 | 1.78 | 1.16 | 9.57 | 74.11 | 1.78 | 50.35% | 13.02% | 10.30% | 16.25% | 16.51% | 3.24% | 0.27 | 16.88 | — | — | 1.07 | 1512.00% | 1041.00% | -10011.00% | -0.01% | — | -0.02% | 2.38% | 26.70% | 4.13% | 10.00 | -8448.89 | 1.30 | 1.08 |
| SLF | Sun Life Financial Inc. | $65.55 | 36.34B | -10% | +232,350% | -95% | +109% | 14.71 | 2.13 | 1.24 | 12.13 | 88.06 | 5.30 | 100.00% | 11.37% | 8.87% | 14.03% | 14.53% | 0.92% | 0.90 | 9.12 | — | — | 2.32 | 1670.00% | 2229.00% | 46936.00% | 26.07% | — | 52.31% | 3.95% | 58.10% | 7.22% | 13.46 | 4.74 | 1.53 | 0.32 |
About The Hartford Financial Services Group, Inc.
The Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Commercial Lines segment offers workers' compensation, property, automobile, liability, umbrella, bond, marine, livestock, and reinsurance; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. The company's Group Benefits segment provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; and a single-company leave management solution. This segment distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment offers investment products for retail and retirement accounts; exchange-traded products through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers; and investment management and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.
- CEO
- Christopher Jerome Swift
- Employees
- 19.1K
- Beta
- 0.60
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($76.62 ÷ $135.81) − 1 = -43.58% (DCF, example).