HARTFORD INSURANCE GROUP, INC.(HIG)Stock Analysis
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Rank #366 of 2,879 stocksTOP 25%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
HIG Stock Analysis & AI Quality Score
AI stock analysis and institutional research for HARTFORD INSURANCE GROUP, INC. (HIG), a Financials sector company. 13F Pro's AI-powered ranking engine scores HIG at 69.5/100 on a 32-signal composite quality model, placing it at rank #366 of 2,879 stocks — the top 25% of the AI-ranked universe. HIG scores in the top quartile across free cash flow (97.7), profitability (97.6). Areas of concern include institutional flow (3.1), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), HARTFORD INSURANCE GROUP, INC. reports quarterly revenue of $7.2B, net income of $856.0M, an operating margin of 14.6%. HIG trades on the NYSE exchange and files with the SEC under CIK 874766. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate HIG daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for HARTFORD INSURANCE GROUP, INC. directly from SEC EDGAR. HARTFORD INSURANCE GROUP, INC.'s 13F Pro composite quality score has ranged between 61 and 74 since 2024, currently 69.5 — a stable long-term trajectory across 15 quarterly and live scoring snapshots.
What's Driving HIG's Business? Latest 10-Q Breakdown
✓ 18/18 datapoints verifiedAI-extracted from HARTFORD INSURANCE GROUP, INC.'s 10-Q filed 2026-04-23 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income increased 36% to $856M, driven by lower catastrophe losses, higher net investment income, and improved Personal Insurance underwriting, partially offset by higher Employee Benefits loss ratios.
Biggest Revenue Drivers
Total revenue: $7,226M+6% YoY
Business Insurance growth from new business and pricing increases; Personal Insurance growth from earned pricing increases
Higher income from limited partnerships and alternative investments, higher invested assets, and reinvesting at higher rates
Hartford Funds revenue increased from higher daily average AUM driven by equity market gains
Largest Expense Items
Lower P&C catastrophe losses offset by higher Employee Benefits disability loss ratios and less favorable P&C prior year reserve development
Higher staffing and benefits costs in response to increased business volume, higher technology costs, and higher variable expenses in Hartford Funds
Increase driven by Business Insurance reflecting earned premium growth across all lines of business
Margins: Property & Casualty combined ratio improved 4.3 points to 94.8%, driven primarily by lower catastrophe losses and improved Personal Insurance underwriting. Employee Benefits net income margin declined 1.0 point to 6.4% due to higher disability loss ratios, partially offset by lower group life loss ratio.
Watch Items from the Filing
- A&E ADC dispute with National Indemnity: NICO suspended payment under the $1.5B aggregate A&E adverse development cover during Q1 2026 due to a dispute in arbitration; timing and outcome unknown; may impact cash flows and operating results.
- Employee Benefits loss ratio deterioration: Group disability loss ratio increased 3.7 points to 72.7% driven by less favorable long-term disability trends and higher short-term disability claim incidence, partially offset by pricing actions.
- Concentration in AARP: Personal Insurance AARP members represented $806M of earned premiums (88% of segment), under exclusive agreement effective through Dec 31, 2032.
- Fixed maturity unrealized losses increased $221M to $1.6B primarily from higher interest rates; 95% of securities depressed less than 20% of cost; company expects recovery as investments mature.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q1 2026
$7.2B
Net Income
Q1 2026
$856.0M
Free Cash Flow
Q1 2026
$1.0B
Operating Margin
Q1 2026
14.6%
D/E Ratio
Q1 2026
0.23
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Is HIG a good stock to buy?
13F Pro's AI-powered analysis of HARTFORD INSURANCE GROUP, INC. (HIG) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for HIG are available on the HIG stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own HIG?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling HIG. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of HARTFORD INSURANCE GROUP, INC.'s investment landscape.