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HIG

9/9 Score

The Hartford Financial Services Group, Inc.

Analysis Date: February 17, 2026

The Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Commercial Lines segment offers workers' compensation, property, automobile, liability, umbrella, bond, marine, livestock, and reinsurance; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. The company's Group Benefits segment 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; and a single-company leave management solution. This segment distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment offers investment products for retail and retirement accounts; exchange-traded products through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers; and investment management and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.

Buffettology Criteria

All 9 of 9 criteria passed

  • High ROE

    Return on Equity > 12%

    Value: 21.4%

  • High ROIC

    Return on Invested Capital > 9%

    Value: 28.2%

  • Cash Machine

    FCF / Assets > 5%

    Value: 6.7%

  • Fair Valuation

    Earnings Yield > 3.5%

    Value: 9.7%

  • Share Buybacks

    Share Count is Dropping

    Value: -3.9%

  • Defensible Moat

    Gross Profit Margin > 40%

    Value: 46.2%

  • Simple Business

    Not in a speculative sector (e.g., Biotech)

    Value: Financial Services

  • Conservative Debt

    Debt to Equity < 1.5

    Value: 0.23x

  • Consistent Growth

    5-Year Growth is Positive

    Value: 180.2%

Analysis Summary

This company, HIG, presents a compelling picture. Its consistently high returns on equity and invested capital, coupled with a strong balance sheet and a very wide moat, suggest it's a business that understands how to compound value efficiently over time. The fact that it's returning capital to shareholders through buybacks while growing its earnings significantly is the icing on the cake.

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