Stock fact sheet · data as of
The Hartford Insurance Group, Inc. (HIG): fair value, margin of safety and Wheel Score
Ticker symbol HIG · Financial Services · Insurance - Diversified · United States · Blend
Is HIG undervalued?
HIG has a margin of safety of 64%: the stock closed at 138.11 on 5 Nov 2026 against a GLS average fair value of 378.41. 7 of the 9 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 9 models disagree widely: DDM gives 35.31 while Payback Time gives 930.25. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for HIG, so the nightly engine files it under Blend (value score 69, growth score 59, out of 100).
Nine valuation models for HIG
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 239.83 | +74% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 158.95 | +15% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 337.82 | +145% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 102.38 | -26% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 832.60 | +503% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 584.56 | +323% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 930.25 | +574% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 35.31 | -74% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 183.97 | +33% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -210.22 | -252% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 145.40 | +5% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - HIG passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 7.0 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are high - ROIC 16.4%, ROE 20.2%, ROA 4.5% - with debt at 0.23 times equity and a free-cash-flow yield of 18.9%.
The dividend yield is 1.74% at a payout ratio of 14%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Property, Liability and Casualty Insura… 100% (quarter Q4 FY2022).
Institutional ownership scores 10/10, insider activity 3/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 16.4% |
|---|---|---|---|
| GLS Moat | 7.0 / 10 | ROE | 20.2% |
| Debt / equity | 0.23 | ROA | 4.5% |
| Free-cash-flow yield | 18.9% | Payout ratio | 14% |
| Institutions | 10 / 10 | Insiders · Congress | 3 · 5 / 10 |
Wheel Score 73: Good
HIG scores 73 out of 100 on the Wheel Score (Good band, 70-84): it passes all 9 Wheel Trade Filters. How it ranks: value strong, premium weak, moat good, health good, red flags fair, option trading weak, stability strong; Option trading (weak) holds it back.
Implied volatility is 25% on the near-the-money contracts 20-60 days out: enough to pass the 25-80% Wheel Trade Filter, but under the 35-60% sweet spot the score rewards most. Chain open interest is 12,000 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 1.8M shares a day on a market cap of $36.9B, with a beta of 0.47 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that strong.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 64% below fair value | |
| Premium | Weak | implied volatility 25% | |
| Moat | Good | moat 7.0/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | Red Flags score 75/100 | |
| Option trading | Weak | 287 contracts a day, 12,000 open interest | |
| Stability | Strong | beta 0.47, $36.9B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for HIG in the nightly calendar. The shares go ex-dividend on 1 Dec 2026 (0.6700 per share), so a covered call sold before then carries a small early-assignment risk around that date.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Diversified
The 12 companies below are the closest to The Hartford Insurance Group, Inc. by market cap within the Insurance - Diversified industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ACGLO Arch Capital Group Ltd. | 18.33 | 141.94 | +87% | 39No options | $37.8B |
| ACGLN Arch Capital Group Ltd. | 15.11 | 133.92 | +89% | 39No options | $37.8B |
| ACGL Arch Capital Group Ltd. | 110.68 | 302.58 | +63% | 80Good | $37.8B |
| AIG American International Group, Inc. | 81.71 | 85.67 | +5% | 70Good | $43.3B |
| PFH Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060 | 15.42 | 141.40 | +89% | 33No options | $43.7B |
| SLF Sun Life Financial Inc. | 81.98 | 162.88 | +50% | 76Good | $45.6B |
| BNT Brookfield Wealth Solutions Ltd. | 43.08 | 55.05 | +22% | 40Weak | $14.3B |
| AEFC Aegon Funding Company LLC | 17.80 | 22.69 | +22% | 25No options | $13.8B |
| AEG Aegon Ltd. | 8.58 | 10.13 | +15% | 70Good | $13.0B |
| AXS AXIS Capital Holdings Limited | 107.78 | 470.12 | +77% | 46Weak | $7.7B |
| WTM White Mountains Insurance Group, Ltd. | 2,376.30 | 8,914.92 | +73% | 34No options | $5.7B |
| GNW Genworth Financial, Inc. | 9.19 | 14.89 | +38% | 76Good | $3.5B |
⚖ Compare HIG with 7 of them All Financial Services stocks →
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A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about HIG
Is HIG undervalued right now?
By the GLS models, yes: at 138.11 the stock is 64% below the average fair value of 378.41 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of HIG and what does it mean?
HIG scores 73 out of 100 (Good). The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for HIG?
378.41 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does The Hartford Insurance Group, Inc. report earnings next?
No upcoming earnings date is recorded for HIG in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does HIG have listed options, and how liquid are they?
Yes. The nightly snapshot found 84 listed contracts with 12,000 open interest across all expiries and implied volatility of 25% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.