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The Hartford Insurance Group

0J3H.L
71
Insurance - Diversified · Financial Services
Price
137.34 GBp
-2.17 (-1.56%)
Market Cap
£37.20B
Exchange
London Stock Exchange
Winston Score
71
Winston is happy
A high-quality business with solid fundamentals.
Data as of Oct 25, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Strong
21/30
Growth
Strong
16/20
Cash Flow
Exceptional
9/10
Stability
Exceptional
10/10
Valuation
Good
6/10
Ownership
Mixed
6/15
Dividends
Good
3/5

71 of 100 counted points = Winston Score 71.

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Share count falling — buybacks

−19.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 354.1M (2021) → 286.5M (2025)

§Winston Score History

The full picture

The Hartford Financial Services Group is a large American insurance company that has been around for over 200 years. It sells property and casualty insurance — meaning it covers things like car accidents, fires, and business lawsuits — mainly to businesses and individual consumers in the United States. The Hartford also offers employee benefits products, such as group life insurance and disability coverage, to employers who provide these perks to their workers.

The company makes money by collecting insurance premiums from customers and investing that cash until claims need to be paid out. It operates almost entirely in the United States and, with a market cap around $36 billion, is one of the larger insurers in the country. Its long history, strong brand recognition, and deep relationships with independent insurance agents give it a durable competitive position. The key risk the business faces is a rise in large or unexpected claims — from severe weather events, for example — which can quickly erode profitability.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+4.0% YoY

YoY Growth Rate

Slow revenue growth

Reported EPS Growth

+37.5% YoY

Quarterly reporting periods ended:

30 Jun 2025: $3.44

30 Jun 2026: $4.73

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

2.7%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$64.2B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

The Hartford Insurance Group is growing revenue at 4% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale
Gross Margin
43.8%
Healthy — 43.8% gross margin
Profit after running costs
Operating Margin
16.9%
Healthy — 16.9% operating margin
Return on the money invested
ROCE
21.0%
Exceptional — 21.0% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth
Sales YoY
+5.5%
Slow sales growth (+5.5% YoY)
Profit growth
EPS YoY
+40.6%
Earnings growing fast (+40.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash
Cash Conversion
135%
Turns 135% of profit into real cash
Spare cash per sale
FCF Margin
19.8%
Converts sales into free cash efficiently (19.8%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns
Debt / Equity
0.22
Conservative — low debt load (0.22)
Covers its interest
Interest Cover
25.33x
Comfortably covers interest (25.3x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
8.8x
Attractive valuation — P/E 8.8

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
-1.3
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
1.85%
Small dividend — 1.85% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+15.4%
Dividend growing fast (15.4% YoY)
Payout Ratio
15%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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