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Equiscale · Syntellia LLC
The Hartford Insurance Group, Inc., together with its subsidiaries, provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. It operates through Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds. The company offers insurance coverage, including workers' compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, livestock, accident, health, and reinsurance through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company also provides automobiles, homeowners, and personal umbrella coverages. The Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. In addition, it provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; leave management solution; distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Further, the company offers managed mutual funds across various asset classes; and exchange-traded funds through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust, and registered investment advisers, as well as investment management, distribution, and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $28.1B | - | $3.8B | $5.8B | 20.6% | 6.4% | 23.3% |
| 2024 | $26.4B | - | $3.1B | $5.8B | 19.3% | 8.4% | 24.2% |
| 2023 | $24.3B | - | $2.5B | $4.0B | 16.7% | 11.3% | 37.7% |
| 2022 | $21.9B | - | $1.8B | $3.8B | 13.6% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 21,854 | 24,330 | 26,384 | 28,071 |
| Operating Revenue | - | 21,854 | 24,330 | 26,384 | 28,071 |
| Total Expenses | - | 19,592 | 21,242 | 22,535 | 23,311 |
| EBIT | - | 2,475 | 3,287 | 4,048 | 4,959 |
| Interest Expense | - | 213 | 199 | 199 | 199 |
| Net Interest Income | - | -213 | -199 | -199 | -199 |
| Other Income Expense | - | 73 | 84 | 88 | 110 |
| Interest Expense Non Operating | - | 213 | 199 | 199 | 199 |
| Net Non Operating Interest Income Expense | - | -213 | -199 | -199 | -199 |
| Pretax Income | - | 2,262 | 3,088 | 3,849 | 4,760 |
| Tax Provision | - | 443 | 584 | 738 | 924 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -2.55 | -1.14 | -0.38 | 0 |
| Net Income Continuous Operations | - | 1,819 | 2,504 | 3,111 | 3,836 |
| Net Income From Continuing And Discontinued Operation | - | 1,819 | 2,504 | 3,111 | 3,836 |
| Net Income From Continuing Operation Net Minority Interest | - | 1,819 | 2,504 | 3,111 | 3,836 |
| Net Income | - | 1,819 | 2,504 | 3,111 | 3,836 |
| Net Income Common Stockholders | - | 1,798 | 2,483 | 3,090 | 3,815 |
| Net Income Including Noncontrolling Interests | - | 1,819 | 2,504 | 3,111 | 3,836 |
| Normalized Income | - | 1,829.45 | 2,508.86 | 3,112.62 | 3,836 |
| Diluted NI Availto Com Stockholders | - | 1,798 | 2,483 | 3,090 | 3,815 |
| Basic Average Shares | - | 315.11 | 307.10 | 293.90 | 282.40 |
| Diluted Average Shares | - | 329.78 | 311.50 | 298.60 | 286.50 |
| Reconciled Depreciation | - | 625 | 510 | 356 | 396 |
| Total Unusual Items | - | -13 | -6 | -2 | 0 |
| Total Unusual Items Excluding Goodwill | - | -13 | -6 | -2 | 0 |
| Preferred Stock Dividends | - | 21 | 21 | 21 | 21 |
| Special Income Charges | - | -13 | -6 | -2 | 0 |
| Restructuring And Mergern Acquisition | - | 13 | 6 | 2 | 0 |
| Depreciation And Amortization In Income Statement | - | 71 | 71 | 71 | 71 |
| Other Operating Expenses | - | 7 | 15 | -3 | 6 |
| Amortization | - | 71 | 71 | 71 | 71 |
| Loss Adjustment Expense | - | 17,979 | 19,119 | 20,132 | 20,822 |
| Net Policyholder Benefits And Claims | - | 17,979 | 19,119 | 20,132 | 20,822 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| The Hartford Insurance Group, Inc.this co. | HIG | $34.9B | 9.15↓ discount | 1.84 | 20.1% | - |
| American International Group, Inc. | AIG | $38.9B | 12.58 | 0.95 | 7.5% | - |
| PayPal Holdings, Inc. | PYPL | $37.7B | 7.21 | 1.86 | 25.8% | 4.84 |
| Prudential Financial, Inc. | PRU | $35.9B | 10.15 | 1.11 | 10.9% | - |
| Huntington Bancshares Incorporated |
| 2021 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| HBAN |
| $33.5B |
| 15.16 |
| 1.55 |
| 10.2% |
| - |
| M&T Bank Corporation | MTB | $32.5B | 11.39 | 1.23 | 10.8% | - |
| Northern Trust Corporation | NTRS | $32.0B | 18.44 | 2.65 | 14.4% | - |
| Arch Capital Group Ltd. | ACGL | $30.9B | 7.02 | 1.32 | 18.8% | - |
| Cboe Global Markets, Inc. | CBOE | $29.9B | 27.21 | 5.83 | 21.4% | 16.83 |
| Peer Median | - | 11.98 | 1.44 | 12.6% | 10.84 | |
Historically, Nov has averaged the highest return (+4.9%); Jun the lowest (-1.8%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -2.0%Neutral MonthJan 2026: -1.99% | +4.3%Positive MonthFeb 2026: +4.27% | -4.0%Negative MonthMar 2026: -3.98% | +1.2%Neutral MonthApr 2026: +1.17% | -7.1%Negative MonthMay 2026: -7.08% | +4.2%Positive MonthJun 2026: +4.24% | +7.1%Positive MonthJul 2026: +7.09% | -3.1%*Negative MonthAug 2026: -3.09% | — | — | — | — |
| 2025 | +2.0%Neutral MonthJan 2025: +1.97% | +6.0%Positive MonthFeb 2025: +6.03% | +4.6%Positive MonthMar 2025: +4.61% | -0.9%Neutral MonthApr 2025: -0.86% | +5.8%Positive MonthMay 2025: +5.84% | -2.3%Negative MonthJun 2025: -2.29% | -2.0%Neutral MonthJul 2025: -1.95% | +6.4%Positive MonthAug 2025: +6.37% | +0.8%Neutral MonthSep 2025: +0.82% | -6.9%Negative MonthOct 2025: -6.90% | +10.3%Positive MonthNov 2025: +10.35% | +0.6%Neutral MonthDec 2025: +0.56% |
| 2024 | +8.2%Positive MonthJan 2024: +8.19% | +10.2%Positive MonthFeb 2024: +10.21% | +7.5%Positive MonthMar 2024: +7.52% | -6.0%Negative MonthApr 2024: -5.98% | +6.8%Positive MonthMay 2024: +6.77% | -2.8%Negative MonthJun 2024: -2.81% | +10.3%Positive MonthJul 2024: +10.32% | +4.7%Positive MonthAug 2024: +4.67% | +1.3%Neutral MonthSep 2024: +1.30% | -6.1%Negative MonthOct 2024: -6.10% | +11.7%Positive MonthNov 2024: +11.65% | -11.3%Negative MonthDec 2024: -11.28% |
| 2023 | +2.3%Positive MonthJan 2023: +2.35% | +0.9%Neutral MonthFeb 2023: +0.86% | -11.0%Negative MonthMar 2023: -10.97% | +1.9%Neutral MonthApr 2023: +1.87% | -3.5%Negative MonthMay 2023: -3.48% | +5.1%Positive MonthJun 2023: +5.11% | -0.2%Neutral MonthJul 2023: -0.19% | -0.1%Neutral MonthAug 2023: -0.08% | -1.3%Neutral MonthSep 2023: -1.27% | +3.6%Positive MonthOct 2023: +3.58% | +6.4%Positive MonthNov 2023: +6.41% | +2.8%Positive MonthDec 2023: +2.84% |
| 2022 | +4.1%Positive MonthJan 2022: +4.10% | -3.3%Negative MonthFeb 2022: -3.33% | +3.4%Positive MonthMar 2022: +3.35% | -2.6%Negative MonthApr 2022: -2.62% | +3.7%Positive MonthMay 2022: +3.69% | -9.8%Negative MonthJun 2022: -9.76% | -1.5%Neutral MonthJul 2022: -1.47% | -0.2%Neutral MonthAug 2022: -0.25% | -3.7%Negative MonthSep 2022: -3.69% | +16.9%Positive MonthOct 2022: +16.90% | +5.5%Positive MonthNov 2022: +5.47% | -0.7%Neutral MonthDec 2022: -0.71% |
| 2021 | — | — | — | — | -0.9%Neutral MonthMay 2021: -0.92% | -5.2%Negative MonthJun 2021: -5.17% | +2.7%Positive MonthJul 2021: +2.66% | +5.7%Positive MonthAug 2021: +5.66% | +4.5%Positive MonthSep 2021: +4.51% | +3.8%Positive MonthOct 2021: +3.81% | -9.4%Negative MonthNov 2021: -9.37% | +4.4%Positive MonthDec 2021: +4.45% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
