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Hartford Insurance Group Inc (CH:HFF)
NYSE:HFF

Hartford Insurance (HFF) Price & Analysis

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HFF Stock Chart & Stats

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Bulls Say, Bears Say

Bulls Say
Strong Free Cash Flow GenerationHartford’s free cash flow consistently tracking ~95%–98% of net income and stepping up materially provides durable internal funding for underwriting volatility, reinsurance, dividends and buybacks. Reliable cash conversion underpins capital flexibility and reduces reliance on external financing over 2–6 months and beyond.
High ROE And Improving ProfitabilityA sustained ROE above 20% and mid‑teens TTM net margin signal efficient capital deployment and profitable underwriting when combined with disciplined pricing. This level of profitability supports long-term returns, capital redeployment and resilience through underwriting cycles, making earnings more structurally durable.
Strategic Divestiture Improves Capital OptionalitySelling Hartford Funds is a structural shift that frees ~$1.9B of economic value and near-term cash, simplifies the business, and converts asset‑management volatility into deployable capital. That enhances ability to fund buybacks, underwriting needs, or reinvest in core P&C lines over the medium term.
Bears Say
Catastrophe And Weather Loss VolatilityMaterial catastrophe and weather-related losses introduce recurring underwriting volatility that pressures combined ratios and capital cushions. Given climate and weather trends, elevated cat exposures can repeatedly compress underwriting margins, necessitate higher reinsurance spending and complicate multi-period earnings predictability.
Durable Competitive Pressure In Personal AutoSustained aggressive competitor pricing and marketing in direct auto creates structural growth and retention headwinds. Persistent volume declines and pricing competition can limit rate realization and margin recovery in personal lines, requiring prolonged underwriting discipline and higher marketing or distributor incentives to regain share.
Reserve And Benefits Trend DeteriorationReserve strengthening for legacy GL and worsening disability trends indicate persistent reserving and benefit-cost risks. Such adverse reserve moves and higher loss ratios reduce underwriting margins, can consume capital, and complicate multi-period earnings visibility, especially in long‑tail liability and employee benefits lines.

Hartford Insurance News

HFF FAQ

What was Hartford Insurance Group Inc’s price range in the past 12 months?
Currently, no data Available
What is Hartford Insurance Group Inc’s market cap?
Currently, no data Available
When is Hartford Insurance Group Inc’s upcoming earnings report date?
Hartford Insurance Group Inc’s upcoming earnings report date is Jul 23, 2026 which is in 25 days.
    How were Hartford Insurance Group Inc’s earnings last quarter?
    Hartford Insurance Group Inc released its earnings results on Apr 23, 2026. The company reported $2.505 earnings per share for the quarter, missing the consensus estimate of $2.752 by -$0.247.
      Is Hartford Insurance Group Inc overvalued?
      According to Wall Street analysts Hartford Insurance Group Inc’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
        Does Hartford Insurance Group Inc pay dividends?
        Hartford Insurance Group Inc does not currently pay dividends.
        What is Hartford Insurance Group Inc’s EPS estimate?
        Hartford Insurance Group Inc’s EPS estimate is 2.64.
          How many shares outstanding does Hartford Insurance Group Inc have?
          Currently, no data Available
          What happened to Hartford Insurance Group Inc’s price movement after its last earnings report?
          Hartford Insurance Group Inc reported an EPS of $2.505 in its last earnings report, missing expectations of $2.752. Following the earnings report the stock price went same N/A.
            Which hedge fund is a major shareholder of Hartford Insurance Group Inc?
            Currently, no hedge funds are holding shares in CH:HFF
            What is the TipRanks Smart Score and how is it calculated?
            Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

              Hartford Insurance Stock Smart Score

              8
              Outperform
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              Company Description

              Hartford Insurance Group Inc

              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.

              Hartford Insurance (HFF) Earnings & Revenues

              HFF Company Deck

              HFF Earnings Call

              Q1 2026
              0:00 / 0:00
              Earnings Call Sentiment|Positive
              The call emphasized broad, consistent operational and financial strength—strong core earnings ($866M), high trailing ROE (20.3%), solid Business Insurance growth and underwriting margins, robust investment income, strong capital actions (share repurchases) and notable benefits sales momentum. Offsetting items include deteriorating auto volumes and short-term pressure in direct auto growth, elevated catastrophe and freeze losses affecting small business, a $70 million reserve increase for legacy GL exposures, some weakness in disability trends, and near-term expense and workers' compensation headwinds. On balance, the positives (profitability, disciplined underwriting, investment income, capital returns and sales execution) outweigh the noted challenges, though management remains cautious on competitive dynamics and select line pressures.View all CH:HFF earnings summaries

              HFF Revenue Breakdown

              89.70%89.70%10.26%-0.35%0.39%
              89.70% Earned premium and fee income from external customers
              10.26% Net investment income
              -0.35% Net realized gains (losses)
              0.39% Other revenue
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              HFF Stock 12 Month Forecast

              Average Price Target

              $119.80
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