The Hartford Financial Services Group, Inc. (H1IG34) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of The Hartford Financial Services Group, Inc. BRL 43.34, price BRL 54.75, upside -20.8%, quality 68 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range R$23.40 – R$1,000,000 · fair‑value band R$34.02 – R$65.75 · the R$54.75 price screens above the R$43.34 fair value. Dashed = 300-day average. As of Oct 3, 2026.
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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.
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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.
Stock analysis
The Hartford Financial Services Group, Inc. (H1IG34) currently trades at R$54.75, while our model-based Fair Value estimate is R$43.34, 20.8% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of R$48.60 per share, and 1 of the 6 models we run sit above the R$54.75 price.
Bear case: the Dividend Discount group reads lowest at R$15.36, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: R$34.02 (bear) to R$65.75 (bull), the price of R$54.75 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 68/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
The Hartford Financial Services Group, Inc. reported revenue of $28.3B in FY2025 versus $22.4B in FY2022, a compound +8.2%/yr. Reported net income was $3.8B in FY2025, compounding +28.3%/yr from FY2022.
Key figures
Market cap R$199B (≈ $38.2B) · P/E ratio 10.2 · P/S ratio 1.38 · EPS (TTM) R$71.32 · Dividend yield 0.3% · Net margin 13.5% · Return on equity 22.7% · Return on assets (EBIT) 4.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 28% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −21%, H1IG34 screens cheaper than that median.
Fair Value models
Bear R$34.02Fair Value R$43.34Bull R$65.75
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$52.24 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.86/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.2%
’22
’23
’24
’25
What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+31.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+31.4%
Dividend (yield on the price)0.3%
Profit margin 2022 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.11% → 17%
2025 sits 65% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
Compare The Hartford Financial Services Group, Inc. with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Diversified · 82 stocks
Beats the industry median on 7/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside−8.5% · Above median
Profitability
Return on equity (TTM)22.7% · Top 25%
Return on assets3.9% · Above median
Net margin (TTM)14.1% · Top 25%
Operating margin (TTM)15.3% · Above median
Growth and dividend
Revenue growth6.1% · Below median
Dividend yield (TTM)0.3% · Bottom 25%
Balance sheet
Debt / equity0.23× · Above median
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "The Hartford Financial Services Group, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/H1IG34
Frequently asked questions
Is The Hartford Financial Services Group, Inc. (H1IG34) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of R$43.34 versus a price of R$54.75, about −21% upside (overvalued).
What is the fair value of H1IG34?
Our model-based fair value for The Hartford Financial Services Group, Inc. is R$43.34 (as of Oct 3, 2026), built from audited fundamentals. The current price: R$54.75.
What is the quality score of H1IG34?
The Hartford Financial Services Group, Inc. has a Quality Score of 68/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for The Hartford Financial Services Group, Inc. (H1IG34)?
Our model-based price target is the fair value of R$43.34 (as of Oct 3, 2026) from 6 valuation models. Cautious scenario R$34.02, optimistic scenario R$65.75. It is a calculation from audited fundamentals, not an analyst target.
What is the The Hartford Financial Services Group, Inc. stock forecast for 2026?
Our models put fair value at R$43.34, about −21% upside versus a price of R$54.75 (overvalued). Cautious scenario R$34.02, optimistic scenario R$65.75. The calculation is refreshed regularly with new filings.
What is the revenue of The Hartford Financial Services Group, Inc. (H1IG34)?
The Hartford Financial Services Group, Inc. reported trailing-twelve-month revenue of about $28.8B (latest available figure, as of Oct 3, 2026).
Does The Hartford Financial Services Group, Inc. pay a dividend?
The Hartford Financial Services Group, Inc. currently shows a dividend yield of about 0.31% relative to its recent price (as of Oct 3, 2026).
What is the intrinsic value of The Hartford Financial Services Group, Inc. (H1IG34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The Hartford Financial Services Group, Inc. it is R$43.34 per share (as of Oct 3, 2026), against a price of R$54.75. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is The Hartford Financial Services Group, Inc. stock overvalued or undervalued in 2026?
As of Oct 3, 2026, H1IG34 trades above its calculated fair value: price R$54.75, fair value R$43.34, a gap of about −21% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of H1IG34?
No. The price is what the market pays today (R$54.75); the fair value is what the company's own numbers justify (R$43.34). For The Hartford Financial Services Group, Inc. the two are R$11.41 per share apart. That gap is exactly why we show both numbers side by side.
How much is The Hartford Financial Services Group, Inc. worth?
The market values The Hartford Financial Services Group, Inc. at about R$199B (market capitalisation, as of Oct 3, 2026). Per share that is R$54.75; our models calculate a fair value of R$43.34 per share.
What do the bullish and bearish scenarios say about H1IG34?
Our models span a range for The Hartford Financial Services Group, Inc.: cautious scenario R$34.02, base R$43.34, optimistic R$65.75 per share (as of Oct 3, 2026, price R$54.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of H1IG34?
The Hartford Financial Services Group, Inc. trades at a price-to-earnings ratio of 10.2 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$43.34 is built from several models across several years.
How solid is the balance sheet of The Hartford Financial Services Group, Inc. (H1IG34)?
Balance-sheet figures for The Hartford Financial Services Group, Inc. (as of Oct 3, 2026): return on equity 22.7%, debt of 0.23 per unit of equity. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is H1IG34 from its 52-week high?
The Hartford Financial Services Group, Inc. trades at R$54.75, about 10% below its 52-week high of R$60.93 and 28% above the low of R$42.87 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of R$43.34 is for.
Which stocks are comparable to The Hartford Financial Services Group, Inc.?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is The Hartford Financial Services Group, Inc. stock attractive at the current price?
The data as of Oct 3, 2026: price R$54.75, calculated fair value R$43.34 (−21%), Quality Score 68/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of H1IG34 calculated?
We run The Hartford Financial Services Group, Inc. through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$43.34, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. The Hartford Financial Services Group, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of The Hartford Financial Services Group, Inc. (H1IG34)?
The closing price on Oct 1, 2026 was R$54.75. Our model-based fair value is R$43.34, about −21% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The Hartford Financial Services Group, Inc. right now?
Solid but not exceptional quality (68/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (R$34.02 to R$65.75) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of The Hartford Financial Services Group, Inc.
How large is the market capitalisation of The Hartford Financial Services Group, Inc. (H1IG34)?
The market capitalisation of The Hartford Financial Services Group, Inc. is R$199B (≈ $38.2B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of The Hartford Financial Services Group, Inc. (H1IG34)?
The price-to-sales ratio of The Hartford Financial Services Group, Inc. is 1.38 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of The Hartford Financial Services Group, Inc. (H1IG34)?
Earnings per share at The Hartford Financial Services Group, Inc. are R$71.32 (price ÷ EPS = P/E 10.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of The Hartford Financial Services Group, Inc. (H1IG34)?
The dividend yield of The Hartford Financial Services Group, Inc. is 0.3% (payout 0.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of The Hartford Financial Services Group, Inc. (H1IG34)?
The net margin of The Hartford Financial Services Group, Inc. is 13.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of The Hartford Financial Services Group, Inc. (H1IG34)?
The return on equity (ROE) of The Hartford Financial Services Group, Inc. is 22.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of The Hartford Financial Services Group, Inc. (H1IG34)?
On an EBIT basis the return on assets of The Hartford Financial Services Group, Inc. is 4.6% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of The Hartford Financial Services Group, Inc. (H1IG34)?
The operating margin of The Hartford Financial Services Group, Inc. is 15.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at The Hartford Financial Services Group, Inc. (H1IG34)?
Revenue at The Hartford Financial Services Group, Inc. is growing +6.1% versus a year earlier (3y avg +8.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at The Hartford Financial Services Group, Inc. (H1IG34)?
Earnings per share at The Hartford Financial Services Group, Inc. are growing +41.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does The Hartford Financial Services Group, Inc. (H1IG34) generate?
The free cash flow of The Hartford Financial Services Group, Inc. is $5.8B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does The Hartford Financial Services Group, Inc. (H1IG34) carry?
The net debt of The Hartford Financial Services Group, Inc. is $4.2B (fiscal year 2025, ≈ 0.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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