Hartford Insurance (HFF) Stock Price & Analysis
HFF Stock Chart & Stats
- Day’s Range
- EUR 119.25 - EUR 120.30
- 52-Week Range
- EUR 107.25 - EUR 125.70
- Previous Close
- EUR 118.05
- Volume
- N/A
- Average Volume (3M)
- 6
- Market Cap
- EUR 31.75B
- Enterprise Value
- EUR 38.13B
- Total Cash (Recent Filing)
- EUR 51.13B
- Total Debt (Recent Filing)
- EUR 4.38B
- Price to Earnings (P/E)
- 8.0
- Beta
- 0.21
- Next Earnings
- Feb 04, 2027 (Est.)
- EPS Estimate
- 2.88
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.71%
Bulls Say, Bears Say
Bulls Say
Cash Generation And Balance Sheet
Strong and improving cash generation gives Hartford flexibility to fund claims, technology, dividends, and repurchases while maintaining conservative leverage. Rising equity and returns also indicate that growth has strengthened financial capacity without requiring a comparable increase in debt.
Small Business Competitive Advantage
Hartford’s digital small-business workflow can improve speed, distribution efficiency, and customer conversion while lowering friction for agents. Its reported technology lead, sustained premium growth, and strong combined ratio support a durable position in an attractive commercial market.
Employee Benefits Expansion
The acquisition broadens Hartford’s employee-benefits platform across group life, disability, dental, and vision while adding technology capabilities. Over time, the larger offering and employer relationships can support cross-selling, scale efficiencies, and more resilient premium growth.
Bears Say
Workers' Compensation Claims
Broad-based claim-frequency increases can pressure workers’ compensation margins across industries and geographies, making underwriting results less predictable. Even if pricing remains positive, persistent frequency pressure could require higher reserves, rate actions, or stricter risk selection.
Competitive Pricing Pressure
Slowing commercial pricing and falling personal-auto premiums indicate that competition is limiting Hartford’s ability to expand the top line at prior rates. If pricing remains below loss-cost trends, underwriting margins may narrow or growth may require sacrificing risk quality.
Benefits Loss-Ratio Pressure
Higher claims in group life and disability directly pressure Employee Benefits profitability and can offset the segment’s premium growth. Elevated behavioral-health, disability, and utilization trends may require additional pricing and underwriting adjustments before margins return to their long-term range.
HFF FAQ
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Hartford Insurance Stock Smart Score
Company Description
Hartford Insurance
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.
- Sector
- Financial
- Industry
- Insurance - Diversified
- CEO
- Christopher J. Swift
- Employees
- 19,200
- Website
- www.thehartford.com
- Address
- One Hartford Plaza, Hartford, CT, 06155, US
Hartford Insurance (HFF) Earnings & Revenues
HFF Company Deck
HFF Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. The Hartford reported solid core earnings, a 17.9% trailing 12-month core earnings ROE, growth in Business Insurance and Employee Benefits, strong small business profitability and digital capabilities, higher investment income, a 12% dividend increase, and share repurchases. These strengths outweighed challenges including workers' compensation frequency, catastrophe losses, competitive pressure, declining personal auto premium, higher disability and group life loss ratios, and expected modest 2027 dilution from the Equitable acquisition.
View all DE:HFF earnings summariesHFF Net sales Breakdown
- 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
HFF Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 5 | 5 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 8 | 0 | 4 |
