Analysis for HIG

$132.81 +0.85 (+0.64%)

📈 Growth — 28/30
💰 Profitability — 17/20
🏦 Financial Health — 19/20
💵 Valuation — 14/20
⚠️ Risk — 7/10

Overall Score: 81/100

Summary:

📈 Growth & Financial Trajectory

Across 8 quarters, Hartford's revenue grew from about $6.88B in 2024 Q4 to $7.26B in 2026 Q2, a modest ~6% gain. Net income rose from $0.853B to $1.298B (about +52%), with a mid‑2025 dip followed by momentum re‑accelerating into 2026 Q2. This sequence shows improving profitability with quarterly volatility, and stronger earnings leverage as revenue steadies.

💰 Margins & Cash Flow

Operating margin stayed in the 15–19% band, peaking near 19% in 2025 Q4.
Net cash flow from operating activities was robust, around $1.19B in late 2025–2026; investing cash flow was negative around -$0.55B, yielding free cash flow of about $0.64B in the latest quarter.
Net cash flow remained positive in several periods, highlighting solid liquidity.

🛡️ Balance Sheet & Liquidity

Current assets around $86.3B–$88.0B vs current liabilities around $66.4B–$68.4B give a healthy current ratio near 1.3.
Long-term debt about $4.36B–$4.37B with equity of $16.8B–$19.6B supports solid leverage and resilience.

⚠️ Key Drivers & Risks

Drivers: Stable premium revenue/underwriting momentum; favorable investment income aided by the rate environment.
Risks: Catastrophe/reserve risk and regulatory changes; sensitivity to interest rates and economic cycles affecting earnings.