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HIG
The Hartford Financial Services Group, Inc.
+183%
+11.0% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NYSE
Industry Insurance - Diversified
Sector Financial Services
Market Cap $31.50B
CEO Mr. Christopher Jerome Swift CPA

The Hartford Financial Services Group, Inc. is a company that provides different types of insurance and financial services to people and businesses. They help protect individuals with car and home insurance, while also offering coverage for businesses against risks like accidents and damages. Additionally, they provide group insurance plans, such as life and disability insurance, for employees at various companies. Founded in 1810 and based in Hartford, Connecticut, The Hartford aims to keep customers safe and secure in their personal and professional lives.

Streams of revenue

Property, Liability and Casualty Insurance Product Line: 100%

Geographic Distribution

United States: 67%
Europe: 17%
Asia: 10%
Other: 7%

Estimations for reference only

Core Products

📈
Annuities Retirement income
💰
Mutual Funds Investment solutions
👥
Group Benefits Employee benefits
🏠
Personal Insurance Home & auto coverage
🏢
Commercial Insurance Business coverage

Business Type

B2B Business to Business

Competitive Advantages

🏆
Strong Brand Reputation The Hartford has a long-standing history since 1810, establishing trust and recognition in the insurance market.
📦
Diverse Product Offerings A wide range of insurance and financial products allows The Hartford to cater to various customer needs and reduce reliance on any single revenue stream.
🔍
Risk Management Expertise The company's focus on customized insurance products and risk management services enhances customer loyalty and retention.
💪
Financial Strength and Stability Strong financial performance and capital reserves enable The Hartford to withstand market fluctuations and invest in growth opportunities.
🌐
Established Distribution Channels A well-developed network of independent agents, brokers, and direct-to-consumer channels ensures broad market reach and accessibility.

Key Business Risks

📉
Economic Downturn Economic recessions can increase claims and reduce premium income from customers.
🌪️
Natural Disasters Severe weather events can lead to high claims and financial losses, impacting profitability.
📉
Market Competition Intense competition in the insurance industry can lead to pricing pressures and reduced market share.
🔒
Cybersecurity Threats Increasing cyber threats pose risks to sensitive customer data and operational integrity.
⚖️
Regulatory Compliance Changes in regulations can impact operational costs and product offerings.

Meeting Expectations

7 /10

Higher values indicate better execution and credibility

Recent Results

Beat earnings 2025-01-30
Missed earnings 2024-10-24
Beat earnings 2024-07-25
Missed earnings 2024-04-25
Beat earnings 2024-02-01
Beat earnings 2023-10-26
Beat earnings 2023-07-27
Missed earnings 2023-04-27
Beat earnings 2023-02-02
Beat earnings 2022-10-27

Takeaways

The Hartford demonstrates strong market positioning with a diversified product range and robust financial health, supported by a long-standing reputation and effective management. However, it faces risks from economic fluctuations and competitive pressures in the insurance sector.

Historical data shows an impressive CAGR compared with the USA stock market average, reflecting a strong market position.

Yearly Return 10Y annualized return is very good at 11.0% per year
Earnings Expectations HIG has met or exceeded earnings expectations in the majority of recent quarters (7/10)

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