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Hartford Insurance (GB:0J3H)
LSE:0J3H

Hartford Insurance (0J3H) Price & Analysis

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0J3H Stock Chart & Stats

$137.83
$3.01(2.15%)
At close: 4:00 PM EDT
$137.83
$3.01(2.15%)

Bulls Say, Bears Say

Bulls Say
Sustained Growth And ProfitabilityHartford has expanded both revenue and earnings over several years, indicating broad operating momentum rather than a single-period improvement. Higher profitability provides greater capacity to absorb claims volatility, invest in underwriting capabilities, and sustain shareholder returns over the coming quarters.
Conservative Leverage And Strong Cash GenerationA modest debt burden combined with strong operating and free cash flow gives Hartford meaningful financial flexibility. High cash conversion can support claims obligations, technology investment, capital returns, and balance-sheet resilience without relying heavily on additional borrowing.
Disciplined Business Insurance UnderwritingPremium growth alongside profitable underlying combined ratios shows Hartford is adding business while maintaining underwriting discipline. The stronger small-business performance supports durable franchise economics and suggests targeted execution can offset softer conditions in selected commercial-market segments.
Bears Say
Adverse Liability And Auto Reserve DevelopmentAdverse development in general liability and commercial auto indicates that prior loss estimates are being revised upward. Continued reserve pressure could reduce underwriting profitability, create earnings volatility, and require additional capital for claims whose severity or frequency is proving higher than expected.
Personal Insurance Contraction And Expense PressureThe decline in personal premiums shows pressure in an important customer segment, while the higher expense ratio indicates weaker operating leverage. If competition continues to constrain volume and commissions remain elevated, personal lines may contribute less growth and profitability over the next several quarters.
Deteriorating Group Disability ClaimsA materially higher disability loss ratio directly compresses the profitability of Group Benefits and signals unfavorable claims experience across short- and long-term coverage. Persistent deterioration could require pricing, reserving, or underwriting adjustments and make earnings less predictable even as premium growth continues.

Hartford Insurance News

0J3H FAQ

What was Hartford Insurance’s price range in the past 12 months?
Hartford Insurance lowest share price was $120.24 and its highest was $147.55 in the past 12 months.
    What is Hartford Insurance’s market cap?
    Hartford Insurance’s market cap is $35.26B.
      When is Hartford Insurance’s upcoming earnings report date?
      Hartford Insurance’s upcoming earnings report date is Oct 22, 2026 which is in 7 days.
        How were Hartford Insurance’s earnings last quarter?
        Hartford Insurance released its earnings results on Jul 23, 2026. The company reported $3.42 earnings per share for the quarter, beating the consensus estimate of $3.157 by $0.263.
          Is Hartford Insurance overvalued?
          According to Wall Street analysts Hartford Insurance’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does Hartford Insurance pay dividends?
            Hartford Insurance pays a Quarterly dividend of $0.6 which represents an annual dividend yield of 1.83%. See more information on Hartford Insurance dividends here
              What is Hartford Insurance’s EPS estimate?
              Hartford Insurance’s EPS estimate is 3.17.
                How many shares outstanding does Hartford Insurance have?
                Hartford Insurance has 270,872,000 shares outstanding.
                  What happened to Hartford Insurance’s price movement after its last earnings report?
                  Hartford Insurance reported an EPS of $3.42 in its last earnings report, beating expectations of $3.157. Following the earnings report the stock price went down -0.967%.
                    Which hedge fund is a major shareholder of Hartford Insurance?
                    Currently, no hedge funds are holding shares in GB:0J3H
                    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

                      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.

                      Hartford Insurance (0J3H) Earnings & Revenues

                      0J3H Company Deck

                      0J3H Earnings Call

                      Q2 2026
                      0:00 / 0:00
                      Earnings Call Sentiment|Positive
                      The call presented a majority of positive operational and financial outcomes: strong core earnings ($945M), an attractive trailing ROE (18.7%), meaningful book value expansion, robust investment income growth (+22% YoY), a sizable $4.2B buyback authorization and clear execution in small commercial and employee benefits. Offsetting these positives were pockets of reserve adverse development (general liability and commercial auto), a notable decline in personal insurance written premiums (auto -10%), elevated disability loss ratios, and signs of increased competitive pressure in middle & large commercial lines that are tempering growth expectations. Management emphasized disciplined underwriting, targeted pricing, continued investments in AI and technology, and confidence in capital returns, while acknowledging near-term volatility in loss experience and expense pressure from tech investments.View all GB:0J3H earnings summaries

                      0J3H 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
                      tipranks

                      0J3H Stock 12 Month Forecast

                      Average Price Target

                      $146.59
                      ▲(6.35% Upside)
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