The Hartford Insurance Group, I (HIG) Stock Price & How to Invest

The Hartford Insurance Group (NYSE: HIG) is a roughly 215-year-old US insurer that sells commercial property-casualty coverage to businesses, personal auto and home policies to individuals, and group life, disability and voluntary benefits to employers, and it also runs the Hartford Funds asset-management business. The company reports across five segments: Business Insurance (its largest and most profitable), Personal Insurance, Property & Casualty Other Operations (legacy run-off, including asbestos and environmental exposures), Employee Benefits, and Hartford Funds. The parent formally changed its corporate name from The Hartford Financial Services Group to The Hartford Insurance Group effective February 2025, keeping the HIG ticker, and renamed its main segments (Commercial Lines to Business Insurance, Personal Lines to Personal Insurance, Group Benefits to Employee Benefits).

The investment picture is that of a disciplined, mature underwriter throwing off strong and growing earnings. For full-year 2025 The Hartford reported net income available to common stockholders of about $3.8 billion (roughly $13.32 per diluted share), up about 23% year over year, on revenue of around $28.4 billion, with a net income return on equity near 22% and core-earnings ROE around 19.4%. Business Insurance underwriting stayed very profitable (full-year underlying combined ratio around 88.5%), and the company returned roughly $2.2 billion to shareholders through buybacks and dividends. Trailing twelve-month figures have kept climbing: revenue of about $29.3 billion and net income of about $4.08 billion as of October 2026. The first quarter of 2026 was softer (EPS of $3.09 against a ~$3.39 estimate), but the second quarter rebounded, with net income of about $1.29 billion and EPS of $3.42 beating the ~$3.14 consensus. On October 13, 2026 the company closed its purchase of Equitable's employee benefits business, adding about $500 million of non-medical benefits premium. At a share price near $134.26 on October 16, 2026 (down ~2% year to date, up ~8% over a year) and a trailing P/E near 9.6x, HIG is valued modestly relative to the broader market, a discount that reflects insurance's cyclicality and catastrophe risk. Third-quarter results are due October 26, 2026, with consensus near $3.17 per share.

As an insurer, The Hartford is exposed to catastrophe losses from hurricanes, wildfires, severe storms and other events, which can swing quarterly results sharply. Property-casualty insurance is cyclical: pricing softens when the industry is flush with capital, which can pressure margins and growth. Reserve adequacy is a persistent risk, including legacy asbestos and environmental exposures in Property & Casualty Other Operations, where adverse development could require charges. Social inflation and rising litigation costs can push claims above expectations, and the large investment portfolio carries credit and interest-rate risk. Personal auto and home lines have at times faced loss-cost inflation that lagged pricing. Analysts expect 2026 EPS to dip about 4% to roughly $12.85 as catastrophe losses and softer pricing weigh, and several brokers trimmed price targets in October 2026. Integrating the Equitable benefits business adds execution risk, and leadership changes effective November 2, 2026 (a new Chief Risk Officer, with the chief data, AI and operations officer leaving at year end) bring some management turnover.

21 analysts publish price targets on HIG, averaging $146.86 against a $135.12 price as of October 2026, or +8.7%. The published targets run from $135.00 to $163.00, a narrow spread, and the ratings split 8 buy, 16 hold, 0 sell. Over the last six months there have been 4 raises and 7 cuts among the published actions. A price target is what an analyst published on a date, not a prediction, and sell-side ratings skew positive across the whole market.

Read the full HIG forecast and price target for the target table, the recent rating actions by firm, and how the consensus has shifted.

We give no verdict on The Hartford Insurance Group, I. Both cases are real, which is why the question is contested at all, so here is the strongest version of each.

The case for buying. Business Insurance underwriting profitability. Business Insurance is The Hartford's largest and most important profit engine, and it has been running a very strong underlying combined ratio (around 88.5% for full-year 2025), meaning it earns healthy underwriting margins before investment income. The most optimistic published target, $163.00, assumes this works close to its best case.

The case against. As an insurer, The Hartford is exposed to catastrophe losses from hurricanes, wildfires, severe storms and other events, which can swing quarterly results sharply. The most pessimistic target, $135.00, is roughly what HIG is worth if this bites instead.

Read the full bull and bear case on HIG, including what would have to change to break either one. Walnut is not an investment adviser.

No. The Hartford Insurance Group, I (HIG) has not split its stock in the last 10 years. That is a statement about the window we check rather than about the company’s entire history, so an older split is possible. It also matters less than it once did: fractional shares mean a high price per share no longer keeps smaller investors out, which removed most of the practical reason to split.

A simple financial snapshot. These are approximations and refresh quarterly; for current figures see The Hartford Insurance Group, I's investor relations page or your broker.

• Revenue (TTM): ~$29.3B (+8% YoY in Q2 2026)
• Net income (TTM): ~$4.08B
• Q2 2026 EPS: ~$3.42 vs ~$3.14 estimate
• Diluted EPS (FY2025): ~$13.32
• Market cap: ~$36.4B
• P/E (trailing / forward): ~9.6x / ~9.8x
• Dividend yield: ~1.8% ($2.40 annual)

At a share price near $134 and a market cap around $36.4 billion (as of October 2026), HIG trades at roughly 9.6 times trailing earnings and 1.9 times book, a discount to the broad market that is typical for a mature, catastrophe-exposed insurer. Forward P/E is about the same as trailing because analysts expect 2026 earnings to dip slightly before growing again in 2027. A conservative ~16% payout ratio supports both the ~1.8% dividend and ongoing buybacks.

Other names that sit close to HIG: same theme, named as a direct competitor, or held beside it in the same funds. Each entry says which. Worth a look if you are thinking about diversification within a thesis rather than concentration on one ticker.

There are three common ways to get HIG exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic portfolio, so HIG sits alongside other stocks that express the same thesis.

Walnut takes the portfolio route. Describe a thesis where HIG fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.

New to this? Start with how to invest in stocks, see how to analyze a stock with AI, or compare the best AI stock analyzers.

HIG is a well-run, underwriting-disciplined insurer whose appeal rests on strong returns on equity, a modest valuation, and steady capital return, balanced against the cyclical and catastrophe-exposed nature of insurance.

Whether HIG is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is HIG a buy or a sell?, and where the stock could go from here in the HIG stock forecast.

For income investors, whether HIG pays a dividend and how the payout looks is covered in does HIG pay a dividend? And to weigh HIG against a peer, read the full side-by-side comparisons: HIG vs CB and HIG vs CINF.