The Hartford Financial Services Group, Inc. (HIG)

FairStock Score: 84/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Hartford as a diversified U.S. insurer with scale in business and personal lines, employee benefits and funds. The numbers I can verify are appealing: FairStock computes a 22.06% return on equity, a 9.39 P/E and 1.91 price-to-book at the 2026-10-26 close, with debt-to-equity of only 0.22 and a 0.45 beta. Filed results show fiscal 2025, ended 2025-12-31, diluted EPS of $13.32 versus $10.35 in fiscal 2024, and net income of $3.8B versus $3.1B. For fiscal Q2 2026, ended 2026-06-30, the filing showed net income of $1.3B and diluted EPS of $4.68. That is steady, not spectacular, growth, consistent with the computed Stalwart label and its 17.2% five-year profit growth. The moat is plausible through diversification and scale, but I cannot verify underwriting discipline without a combined ratio, reserve development, or catastrophe-loss detail, and CET1 and NIM are not in the data either. The filed revenue lines look inconsistent, $111.0M in fiscal Q2 2026 versus a $7.1B latest-quarter figure, so I would not rely on them. Piotroski at 5/9 and ROCE at 3.85% keep me from calling it a bargain. At 1.91 times book, the price is fair to modestly cheap, not a Graham-style asset play. I would want more evidence on underwriting margins before paying up.

In plain English: The Hartford sells insurance to people and businesses, including workplace injury, property, car and liability cover. The business looks strong: it earns a high profit relative to shareholders' money, uses little debt and has grown profit. The stock price looks modest compared with profits, though it is not a deep bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer