HIG · NYSE · STOCK
Hartford (HIG) Stock Analysis
$138.99
52W $120.33 – $146.07
66/100
$37.31B
8.7
0.46
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is HIG Bullish or Bearish?
Bullish.
Innellis AI committee rates Hartford (The) (HIG) Buy with a composite score of 66/100
, based on 6 analysts with 83% agreement.
Last updated August 24, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +8.96 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -11.04 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is low leverage (debt-to-equity 0.23) -- balance sheet can absorb a shock. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 8.6 is inexpensive for the broad market — Value
- ROE of 23.0% shows genuine earnings power backing the valuation — Value
- EPS growing 40.1% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Low leverage (debt-to-equity 0.23) -- balance sheet can absorb a shock — Risk
- News sentiment is positive (+0.17 across 6 articles, 14d) — News
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 24, 2026
Overall Committee Score
66/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 19%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 8.6 is inexpensive for the broad market
Growth Analyst
bullish
70
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 40.1% YoY
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.23) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
63
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.17 across 6 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3063.01)
Investment Thesis Evolution
Committee score moved marginally from 66.0 to 66.0.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Portfolio Manager: +1 bearish signal(s).
Comparing 2026-08-23 to 2026-08-24 (1 day apart).
Technical Analysis
RSI (14)
33.9
Neutral
MACD Histogram
-0.784
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$130.75
Resistance
$140.50
Bollinger %B
0.13
Inside Bands
Price vs Moving Averages
EMA 9
$138.02
Above
EMA 21
$139.03
Below
EMA 50
$138.04
Above
EMA 200
$134.65
Above
Fundamental Analysis
Valuation
98
Growth
73
Profitability
70
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
8.7×
P/B Ratio
1.93×
PEG Ratio
0.22
Dividend Yield
1.70%
52W High
$146.07
52W Low
$120.33
Quality & Growth
ROE
2021.2%
ROA
446.1%
Gross Margin
4394.6%
Operating Margin
1521.4%
Revenue Growth YoY
—
Debt / Equity
0.22
AI Fundamental Assessment
P/E ratio of 8.7 (inexpensive relative to a 15-40x range); Price-to-book of 1.9x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 20.2%; Return on assets of 4.5%; Net margin of 15.0%; Gross margin of 43.9%; Current ratio of 18.15 (healthy short-term liquidity); Debt-to-equity of 0.22; Free cash flow per share is positive (21.10); Most recent quarter beat estimates by 5.1%; EPS growth accelerating (-23.9% -> +10.7% QoQ); Average YoY EPS growth of 0.3%; Analyst estimates flat over recent quarters
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