The Hartford Financial Services 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. Its Commercial Lines segment offers insurance coverages, 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's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channels 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 leave management solution. This segment also distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment 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 groups, 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.

The Hartford Insurance Group, Inc.

The Hartford Insurance Group, Inc. HIG reported third-quarter 2025 adjusted operating earnings of $3.78 per share, which surpassed the Zacks Consensus Estimate by 20.8%. The bottom line climbed 49% year over year.
HIG's operating revenues rose 9.5% year over year to $5.1 billion on the back of improved earned premiums, fee income and investment income. The top line beat the consensus mark by 1.5%.
The strong quarterly results were aided by increased earned premiums and investment income, solid segmental performance — especially in Business Insurance and Personal Insurance — improved loss ratios and reduced catastrophe losses, and growth in invested asset, which boosted net investment income. However, the upside is partly offset by an elevated expense level and pressure in the Employee Benefits unit due to the rising expenses ratio and group disability loss ratio.
The Hartford Insurance Group, Inc. Price, Consensus and EPS Surprise
The Hartford Insurance Group, Inc. price-consensus-eps-surprise-chart | The Hartford Insurance Group, Inc. Quote
HIG’s Q3 Operations
Earned premiums of Hartford amounted to $6.1 billion, which advanced 6.3% year over year but fell short of the Zacks Consensus Estimate by 0.1%. The metric was driven by a 9% increase in Business Insurance and a 7.3% increase in Personal Insurance earned premiums.
Pre-tax net investment income improved 15.2% year over year to $759 million in the quarter under review and beat the consensus mark of $708.8 million. The year-over-year growth came from an increase in invested assets and improved income from limited partnerships and other alternative investments. Net investment income witnessed year-over-year improvement in the Business Insurance, Personal Insurance and Employee Benefits segments.
Total benefits, losses and expenses of $5.9 billion increased 2% year over year due to higher amortization of DAC and insurance operating expenses.
Pre-tax income climbed 38.4% year over year to $1.3 billion.
HIG’s Segmental Update
Business Insurance
Revenues in the segment grew 10.2% year over year to $4 billion in the third quarter and beat the Zacks Consensus Estimate by 1.5%. Core earnings of $723 million improved 35% year over year, attributable to higher earned premiums, increased net investment income and lower catastrophe losses.
The underlying combined ratio deteriorated 80 basis points (bps) year over year to 89.4%. The losses and loss adjustment expense ratio of 57.3% improved 370 bps year over year.
Personal Insurance
The segment’s revenues of $1 billion advanced 7.7% year over year and beat the consensus mark by 3.1%. Core earnings were $143 million compared to the prior-year quarter’s core earnings of $33 million on the back of improved earned premiums, higher net investment income, improved loss and loss adjustment expense ratio and a decline in catastrophe losses.
The underlying combined ratio improved 370 bps year over year to 90%.
P&C Other Ops
Revenues in the unit improved 5.6% year over year to $19 million.
Employee Benefits
The segment recorded revenues of $1.8 billion, which rose 0.7% year over year in the quarter under review but fell short of the Zacks Consensus Estimate by 1.3%. Core earnings tumbled 3% year over year to $149 million due to a higher expense ratio and increased group disability loss ratio.
The loss ratio improved 10 bps year over year to 70.1% in the third quarter.
Hartford Funds
Revenues increased 4% year over year to $286 million in the segment, which beat the consensus mark of $269.7 million. Core earnings of $53 million advanced 13% year over year.
The segment’s daily average assets under management were $148.3 billion, up 8% year over year.
Corporate
The unit witnessed revenues of $51 million, which surged 21.4% year over year and topped the consensus estimate of $25.7 million. The unit incurred a core loss of $5 million, narrower than the year-ago quarter’s loss of $26 million.
Financial Update (as of Sept. 30, 2025)
Hartford exited the third quarter with cash of $150 million, which declined 18% from the 2024-end level. Total investments of $62.6 billion increased 5.7% from the figure at 2024 end.
Total assets of $85 billion grew 5% from the 2024-end figure.
Debt amounted to $4.4 billion, which inched up marginally from the figure as of Dec. 31, 2024.
Total stockholders’ equity improved 12.2% from the 2024-end level to $18.5 billion.
Book value per share was $63.86, which advanced 15.9% year over year.
Core earnings’ return on equity in the trailing 12 months improved 100 bps year over year to 18.4% at the third-quarter end.
Capital Deployment Update
Hartford rewarded $547 million to shareholders via share buybacks of $400 million and common stockholder dividends of $147 million. The company had a leftover buyback capacity of $1.95 billion as of Sept. 30, 2025.
HIG’s Zacks Rank
HIG currently carries a Zacks Rank #3 (Hold).
Upcoming Earnings Releases
Here are three companies from the Finance space that are likely to report their respective quarterly earnings soon.
Robinhood Markets, Inc. HOOD has a Zacks Rank of 2 (Buy) at present. The Zacks Consensus Estimate for HOOD’s bottom line for the to-be-reported quarter is pegged at 51 cents per share, indicating 200% year-over-year growth. Robinhood Markets’ earnings beat estimates in three of the past four quarters and missed once, with an average surprise of 19.5%. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Aon plc AON currently has a Zacks Rank #3. The Zacks Consensus Estimate for AON’s bottom line for the to-be-reported quarter of $2.89 per share indicates 6.3% year-over-year growth. It remained stable over the past week. AON’s earnings beat estimates in three of the last four quarters and missed once, with an average surprise of 3%.
Willis Towers Watson Public Limited Company WTW has a Zacks Rank of 3 at present. The Zacks Consensus Estimate for WTW’s bottom line for the to-be-reported quarter is pegged at $3.00 per share, indicating 2.4% year-over-year growth. Willis Towers’ earnings beat estimates in three of the past four quarters and missed once, with an average surprise of 4.1%.
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HIG Q3 Earnings Beat Estimates on Personal Insurance Unit Strength

The Hartford Insurance Group (HIG) reported $5.11 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 9.5%. EPS of $3.78 for the same period compares to $2.53 a year ago.
The reported revenue represents a surprise of +1.51% over the Zacks Consensus Estimate of $5.04 billion. With the consensus EPS estimate being $3.13, the EPS surprise was +20.77%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how The Hartford Insurance Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Business Insurance- Expense ratio: 31.1% versus 31% estimated by six analysts on average.
Business Insurance- Underlying combined ratio: 89.4% versus 88.4% estimated by six analysts on average.
Business Insurance- Combined ratio: 88.8% versus 91.3% estimated by six analysts on average.
Business Insurance- Loss and loss adjustment expense ratio: 57.3% versus the six-analyst average estimate of 60.1%.
Revenue- Earned Premium- Personal Insurance: $950 million versus the six-analyst average estimate of $949.19 million. The reported number represents a year-over-year change of +7.3%.
Revenue- Property and Casualty- Net investment income: $605 million versus $448.34 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +16.8% change.
Employee Benefits- Total revenues: $1.79 billion compared to the $1.81 billion average estimate based on six analysts.
Employee Benefits- Net investment income: $136 million versus the six-analyst average estimate of $127.91 million.
Employee Benefits- Premiums and other considerations: $1.66 billion compared to the $1.67 billion average estimate based on six analysts.
Business Insurance- Fee income: $11 million versus $11.13 million estimated by six analysts on average.
Business Insurance- Earned premiums: $3.54 billion versus $3.52 billion estimated by six analysts on average.
Revenue- Fee income- Personal Insurance: $8 million versus the six-analyst average estimate of $8.03 million. The reported number represents a year-over-year change of 0%.
Shares of The Hartford Insurance Group have returned -6% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Compared to Estimates, The Hartford Insurance Group (HIG) Q3 Earnings: A Look at Key Metrics

(RTTNews) - Hartford Financial Services Group Inc. (HIG) released a profit for its third quarter that Increased from the same period last year and beat the Street estimates.
The company's bottom line totaled $1.074 billion, or $3.77 per share. This compares with $761 million, or $2.56 per share, last year.
Excluding items, Hartford Financial Services Group Inc. reported adjusted earnings of $1.077 billion or $3.78 per share for the period.
Analysts on average had expected the company to earn $3.21 per share. Analysts' estimates typically exclude special items.
The company's revenue for the period rose 7.1% to $7.232 billion from $6.751 billion last year.
Hartford Financial Services Group Inc. earnings at a glance (GAAP) :
-Earnings: $1.074 Bln. vs. $761 Mln. last year. -EPS: $3.77 vs. $2.56 last year. -Revenue: $7.232 Bln vs. $6.751 Bln last year.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Hartford Financial Services Group Inc. Q3 Profit Increases, Beats Estimates

The following companies are expected to report earnings after hours on 10/27/2025. Visit our Earnings Calendar for a full list of expected earnings releases.
Welltower Inc. (WELL)is reporting for the quarter ending September 30, 2025. The reit company's consensus earnings per share forecast from the 5 analysts that follow the stock is $1.30. This value represents a 17.12% increase compared to the same quarter last year. In the past year WELL has beat the expectations every quarter. The highest one was in the 2nd calendar quarter where they beat the consensus by 4.92%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for WELL is 34.75 vs. an industry ratio of 12.90, implying that they will have a higher earnings growth than their competitors in the same industry.
Cadence Design Systems, Inc. (CDNS)is reporting for the quarter ending September 30, 2025. The computer software company's consensus earnings per share forecast from the 8 analysts that follow the stock is $1.43. This value represents a 14.40% increase compared to the same quarter last year. CDNS missed the consensus earnings per share in the 4th calendar quarter of 2024 by -1.32%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for CDNS is 63.09 vs. an industry ratio of 23.60, implying that they will have a higher earnings growth than their competitors in the same industry.
Waste Management, Inc. (WM)is reporting for the quarter ending September 30, 2025. The waste removal company's consensus earnings per share forecast from the 13 analysts that follow the stock is $2.01. This value represents a 2.55% increase compared to the same quarter last year. WM missed the consensus earnings per share in the 4th calendar quarter of 2024 by -5.03%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for WM is 28.43 vs. an industry ratio of 59.70.
NXP Semiconductors N.V. (NXPI)is reporting for the quarter ending September 30, 2025. The semiconductor company's consensus earnings per share forecast from the 10 analysts that follow the stock is $2.74. This value represents a 9.57% decrease compared to the same quarter last year. NXPI missed the consensus earnings per share in the 1st calendar quarter of 2025 by -0.46%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for NXPI is 21.51 vs. an industry ratio of 18.60, implying that they will have a higher earnings growth than their competitors in the same industry.
The Hartford Insurance Group, Inc. (HIG)is reporting for the quarter ending September 30, 2025. The insurance (property & casualty) company's consensus earnings per share forecast from the 9 analysts that follow the stock is $3.13. This value represents a 23.72% increase compared to the same quarter last year. In the past year HIG has beat the expectations every quarter. The highest one was in the 2nd calendar quarter where they beat the consensus by 23.1%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for HIG is 10.59 vs. an industry ratio of 12.70.
Celestica, Inc. (CLS)is reporting for the quarter ending September 30, 2025. The electrical company's consensus earnings per share forecast from the 3 analysts that follow the stock is $1.33. This value represents a 43.01% increase compared to the same quarter last year. CLS missed the consensus earnings per share in the 1st calendar quarter of 2025 by -0.99%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for CLS is 59.21 vs. an industry ratio of 37.90, implying that they will have a higher earnings growth than their competitors in the same industry.
Arch Capital Group Ltd. (ACGL)is reporting for the quarter ending September 30, 2025. The insurance (property & casualty) company's consensus earnings per share forecast from the 6 analysts that follow the stock is $2.14. This value represents a 7.54% increase compared to the same quarter last year. In the past year ACGL has beat the expectations every quarter. The highest one was in the 2nd calendar quarter where they beat the consensus by 11.69%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for ACGL is 10.15 vs. an industry ratio of 12.70.
Nucor Corporation (NUE)is reporting for the quarter ending September 30, 2025. The steel company's consensus earnings per share forecast from the 5 analysts that follow the stock is $2.15. This value represents a 44.30% increase compared to the same quarter last year. NUE missed the consensus earnings per share in the 2nd calendar quarter of 2025 by -0.76%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for NUE is 18.30 vs. an industry ratio of 8.30, implying that they will have a higher earnings growth than their competitors in the same industry.
Brown & Brown, Inc. (BRO)is reporting for the quarter ending September 30, 2025. The insurance brokers company's consensus earnings per share forecast from the 6 analysts that follow the stock is $0.90. This value represents a 1.10% decrease compared to the same quarter last year. BRO missed the consensus earnings per share in the 1st calendar quarter of 2025 by -0.77%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for BRO is 21.20 vs. an industry ratio of 16.30, implying that they will have a higher earnings growth than their competitors in the same industry.
Cincinnati Financial Corporation (CINF)is reporting for the quarter ending September 30, 2025. The insurance (property & casualty) company's consensus earnings per share forecast from the 9 analysts that follow the stock is $2.01. This value represents a 41.55% increase compared to the same quarter last year. CINF missed the consensus earnings per share in the 3rd calendar quarter of 2024 by -2.74%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for CINF is 24.52 vs. an industry ratio of 12.70, implying that they will have a higher earnings growth than their competitors in the same industry.
FTAI Aviation Ltd. (FTAI)is reporting for the quarter ending September 30, 2025. The aerospace and defense company's consensus earnings per share forecast from the 1 analyst that follows the stock is $1.19. This value represents a 56.58% increase compared to the same quarter last year. FTAI missed the consensus earnings per share in the 1st calendar quarter of 2025 by -7.45%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for FTAI is 36.91 vs. an industry ratio of 60.50.
Principal Financial Group Inc (PFG)is reporting for the quarter ending September 30, 2025. The insurance company's consensus earnings per share forecast from the 6 analysts that follow the stock is $2.18. This value represents a 23.86% increase compared to the same quarter last year. Zacks Investment Research reports that the 2025 Price to Earnings ratio for PFG is 9.56 vs. an industry ratio of 9.00, implying that they will have a higher earnings growth than their competitors in the same industry.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

After-Hours Earnings Report for October 27, 2025 : WELL, CDNS, WM, NXPI, HIG, CLS, ACGL, NUE, BRO, CINF, FTAI, PFG

The Hartford Insurance Group, Inc. HIG is scheduled to release third-quarter 2025 results on Oct. 27, after market close. The Zacks Consensus Estimate for earnings is pegged at $3.13 per share, which indicates an improvement of 23.7% from the prior-year quarter’s number.
The third-quarter earnings estimate has witnessed five upward estimate revisions against one downward movement over the past 30 days. Meanwhile, the Zacks Consensus Estimate for revenues is pegged at $5 billion, implying 7.9% growth from the year-ago quarter’s figure.
Image Source: Zacks Investment Research
The Hartford’s Earnings Surprise History
HIG’s bottom line beat estimates in each of the trailing four quarters, the average surprise being 9.53%. This is depicted in the chart below:
The Hartford Insurance Group, Inc. Price and EPS Surprise
What Our Quantitative Model Unveils for The Hartford
Our proven model predicts an earnings beat for The Hartford this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat, which is the case here.
Earnings ESP: The Hartford has an Earnings ESP of +0.91% because the Most Accurate Estimate of $3.16 per share is pegged higher than the Zacks Consensus Estimate of $3.13. You can uncover the best stocks before they’re reported with our Earnings ESP Filter.
Zacks Rank: HIG currently carries a Zacks Rank of 3.
Factors Likely to Shape HIG’s Q3 Results
Revenues of The Hartford are expected to have benefited from strong contributions from Business Insurance, Personal Insurance and Employee Benefits businesses. The Zacks Consensus Estimate for overall net premiums earned is pegged at $6.1 billion, suggesting 6.3% growth from the prior-year quarter’s reported figure.
Rate increases, new business growth and steady retention rates are expected to have aided the Business Insurance business. However, continued incidence of catastrophe losses is likely to have dampened the unit’s underwriting results in the to-be-reported quarter. The consensus estimate for Business Insurance’s earned premiums stands at $3.5 billion.
The Personal Insurance unit is likely to have gained from steady rate hikes, higher insured value and renewal written price increases. Rate hikes, new business growth and strong underwriting results in the to-be-reported quarter are expected to have aided the homeowner's insurance business.
The Zacks Consensus Estimate for earned premiums of the Personal Insurance segment is pegged at $949 million, which indicates a 7.2% increase from the prior-year quarter’s reported figure.
The Employee Benefits business is anticipated to have been driven by strong persistency rates, higher fully insured ongoing sales, and improved life and disability results in the third quarter. However, the upside is expected to have been partly offset by escalating technology and staffing costs. The consensus mark for the unit’s revenues is $1.8 billion.
Additionally, The Hartford’s investment results are likely to benefit from increased invested assets and improved reinvestment rates. However, the upside is likely to have been partly offset by a declining yield on variable-rate securities. The Zacks Consensus Estimate for overall net investment income is $709 million, suggesting 7.6% growth from the year-ago quarter’s figure.
However, HIG’s bottom line is expected to have been pressured by increased benefits, losses and loss adjustment expenses, as well as higher insurance operating costs. Margins are also likely to have been impacted by ongoing investments in digital, analytics and data science capabilities.
Other Stocks to Consider
Here are some other companies from the insurance space, which, according to our model, have the right combination of elements to beat on earnings this time around:
HCI Group, Inc. HCI currently has an Earnings ESP of +87.40% and a Zacks Rank of 2. You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for HCI’s third-quarter earnings is pegged at $2.35 per share, which indicates an increase to five-fold from the year-ago quarter’s figure.
HCI Group’s earnings beat estimates in each of the trailing four quarters, the average surprise being 41.70%.
The Allstate Corporation ALL has an Earnings ESP of +9.80% and a Zacks Rank of 2 at present. The Zacks Consensus Estimate for ALL’s third-quarter earnings is pegged at $6.73 per share, which implies a 72.1% surge from the year-ago quarter’s figure.
Allstate’s earnings beat estimates in each of the trailing four quarters, the average surprise being 57.67%.
Prudential Financial, Inc. PRU has an Earnings ESP of +0.52% and a Zacks Rank of 3 at present. The Zacks Consensus Estimate for PRU’s third-quarter earnings is pegged at $3.60 per share, which implies a 3.5% rise from the year-ago quarter’s figure.
Prudential Financial’s earnings beat estimates in three of the trailing four quarters and missed the mark once, the average surprise being 1.14%.
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Will A Strong Personal Insurance Unit Aid The Hartford's Q3 Earnings?

The following are the top rated Financial stocks according to Validea's P/E/Growth Investor model based on the published strategy of Peter Lynch. This strategy looks for stocks trading at a reasonable price relative to earnings growth that also possess strong balance sheets.
BAIN CAPITAL SPECIALTY FINANCE INC (BCSF) is a small-cap value stock in the Investment Services industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Bain Capital Specialty Finance, Inc. is an externally managed specialty finance company focused on lending to middle market companies. The Company's investment objective is to generate current income and, to a lesser extent, capital appreciation through direct originations of secured debt, including first lien, first lien/last out, unitranche and second lien debt, investments in strategic joint ventures, equity investments and, to a lesser extent, corporate bonds. Its primary focus is capitalizing on opportunities within Bain Capital Credit's Senior Direct Lending Strategy, which seeks to provide risk-adjusted returns and current income to investors by investing primarily in middle-market direct lending opportunities across North America, Europe and Australia and also in other geographic markets. It may also invest in mezzanine debt and other junior securities, including common and preferred equity and in secondary purchases of assets or portfolios. It is managed by BCSF Advisors, LP.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of BAIN CAPITAL SPECIALTY FINANCE INC
CARLYLE SECURED LENDING INC (CGBD) is a small-cap value stock in the Misc. Financial Services industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Carlyle Secured Lending, Inc. is a specialty finance company that is a closed-end, externally managed, non-diversified management investment company. The Company's investment objective is to generate current income and capital appreciation primarily through assembling a portfolio of secured debt investments in United States middle market companies. The Company seeks to achieve its investment objective primarily through direct origination of secured debt instruments, including first lien senior secured loans (which may include stand-alone first lien loans, first lien/last out loans and unitranche loans) and second lien senior secured loans (collectively, Middle Market Senior Loans), with a minority of its assets invested in higher yielding investments (which may include unsecured debt, subordinated debt and investments in equities and structured products). The Company is externally managed by its investment adviser, Carlyle Global Credit Investment Management L.L.C.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of CARLYLE SECURED LENDING INC
PROGRESSIVE CORP (PGR) is a large-cap value stock in the Insurance (Prop. & Casualty) industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: The Progressive Corporation is an insurance holding company, which has insurance and non-insurance subsidiaries and affiliates. The Companys segments include Personal Lines, Commercial Lines and Other indemnity. The Personal Lines segment writes insurance for personal autos and special lines products. Its special lines of products include recreational vehicles, such as motorcycles, RVs, and watercraft. Its Personal Lines products are sold through both the agency and direct channels. The Commercial Lines segment writes auto-related liability and physical damage insurance, business-related general liability and commercial property insurance predominately for small businesses, and workers compensation insurance primarily for the transportation industry. Its reinsurance activity includes both transactions which are regulated and those that are non-regulated. It offers shopping tools and services, such as Name Your Price, Snapshot, and HomeQuote Explorer.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
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NEUTRAL
Detailed Analysis of PROGRESSIVE CORP
W R BERKLEY CORP (WRB) is a large-cap growth stock in the Insurance (Prop. & Casualty) industry. The rating according to our strategy based on Peter Lynch is 91% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: W. R. Berkley Corporation is an insurance holding company. It operates through two segments of the property casualty insurance business: Insurance and Reinsurance & Monoline Excess. Its Insurance businesses underwrite commercial insurance business, including excess and surplus lines, admitted lines and specialty personal lines throughout the United States, as well as insurance business in Asia, Australia, Canada, Continental Europe, Mexico, Scandinavia, South America and the United Kingdom. Its Insurance segment consists of business units, including Acadia Insurance, Admiral Insurance, Berkley Accident and Health, Berkley Agribusiness and others. It provides professional liability and casualty insurance for small to mid-sized businesses though the business unit Berkley Edge. Its Reinsurance & Monoline Excess offers reinsurance business on a facultative and treaty basis in the United States, United Kingdom, Continental Europe, Australia, the Asia-Pacific region and South Africa.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of W R BERKLEY CORP
HARTFORD INSURANCE GROUP INC (HIG) is a large-cap value stock in the Insurance (Prop. & Casualty) industry. The rating according to our strategy based on Peter Lynch is 91% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: The Hartford Insurance Group, Inc., formerly The Hartford Financial Services Group, Inc., is a holding company. The Company's segments include Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds. Business Insurance segment provides a variety of insurance products and risk management services in the United States and internationally. Personal Insurance segment provides automobile, homeowners and personal umbrella coverage to individuals across the United States. Property & Casualty Other Operations segment includes certain property and casualty operations. The Employee Benefits segment provides employers and associations with group life, accident and disability coverage, along with other products and services, including voluntary benefits, and group retiree health. Hartford Funds segment offers investment products for retail and retirement accounts and provides investment management, distribution and administrative services.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of HARTFORD INSURANCE GROUP INC
About Peter Lynch: Perhaps the greatest mutual fund manager of all-time, Lynch guided Fidelity Investment's Magellan Fund to a 29.2 percent average annual return from 1977 until his retirement in 1990, almost doubling the S&P 500's 15.8 percent yearly return over that time. Lynch's common sense approach and quick wit made him one of the most quoted investors on Wall Street. ("Go for a business that any idiot can run -- because sooner or later, any idiot probably is going to run it," is one of his many pearls of wisdom.) Lynch's bestseller One Up on Wall Street is something of a "stocks for the everyman/everywoman", breaking his approach down into easy-to-understand concepts.
About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Validea's Top Financial Stocks Based On Peter Lynch - 10/22/2025

Legendary investor Warren Buffett advises to be fearful when others are greedy, and be greedy when others are fearful. One way we can try to measure the level of fear in a given stock is through a technical analysis indicator called the Relative Strength Index, or RSI, which measures momentum on a scale of zero to 100. A stock is considered to be oversold if the RSI reading falls below 30.
In trading on Monday, shares of Hartford Insurance Group Inc (Symbol: HIG) entered into oversold territory, hitting an RSI reading of 29.8, after changing hands as low as $123.39 per share. By comparison, the current RSI reading of the S&P 500 ETF (SPY) is 60.3. A bullish investor could look at HIG's 29.8 RSI reading today as a sign that the recent heavy selling is in the process of exhausting itself, and begin to look for entry point opportunities on the buy side. The chart below shows the one year performance of HIG shares:
Looking at the chart above, HIG's low point in its 52 week range is $104.93 per share, with $135.17 as the 52 week high point — that compares with a last trade of $123.85.
Also see:
Institutional Holders of AMT
Top Ten Hedge Funds Holding IBDU
Funds Holding WEBS
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Oversold Conditions For Hartford Insurance Group (HIG)

Shareholders of Hartford Insurance Group Inc (Symbol: HIG) looking to boost their income beyond the stock's 1.7% annualized dividend yield can sell the March 2026 covered call at the $130 strike and collect the premium based on the $4.70 bid, which annualizes to an additional 8.9% rate of return against the current stock price (at Stock Options Channel we call this the YieldBoost), for a total of 10.5% annualized rate in the scenario where the stock is not called away. Any upside above $130 would be lost if the stock rises there and is called away, but HIG shares would have to climb 4% from current levels for that to happen, meaning that in the scenario where the stock is called, the shareholder has earned a 7.8% return from this trading level, in addition to any dividends collected before the stock was called.
In general, dividend amounts are not always predictable and tend to follow the ups and downs of profitability at each company. In the case of Hartford Insurance Group Inc, looking at the dividend history chart for HIG below can help in judging whether the most recent dividend is likely to continue, and in turn whether it is a reasonable expectation to expect a 1.7% annualized dividend yield.
Below is a chart showing HIG's trailing twelve month trading history, with the $130 strike highlighted in red:
The chart above, and the stock's historical volatility, can be a helpful guide in combination with fundamental analysis to judge whether selling the March 2026 covered call at the $130 strike gives good reward for the risk of having given away the upside beyond $130. (Do most options expire worthless? This and six other common options myths debunked). We calculate the trailing twelve month volatility for Hartford Insurance Group Inc (considering the last 250 trading day closing values as well as today's price of $125.00) to be 23%. For other call options contract ideas at the various different available expirations, visit the HIG Stock Options page of StockOptionsChannel.com.
In mid-afternoon trading on Thursday, the put volume among S&P 500 components was 688,107 contracts, with call volume at 1.64M, for a put:call ratio of 0.42 so far for the day. Compared to the long-term median put:call ratio of .65, that represents very high call volume relative to puts; in other words, buyers are preferring calls in options trading so far today. Find out which 15 call and put options traders are talking about today.
Also see:
DAVA Average Annual Return
BIB Split History
STN shares outstanding history
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

YieldBoost HIG To 10.5% Using Options

Looking today at week-over-week shares outstanding changes among the universe of ETFs covered at ETF Channel, one standout is the iShares U.S. Equity Factor Rotation Active ETF (Symbol: DYNF) where we have detected an approximate $431.4 million dollar inflow -- that's a 1.6% increase week over week in outstanding units (from 461,175,000 to 468,625,000). Among the largest underlying components of DYNF, in trading today Salesforce Inc (Symbol: CRM) is up about 0.9%, Hartford Insurance Group Inc (Symbol: HIG) is off about 0.6%, and Citigroup Inc (Symbol: C) is higher by about 2.4%. For a complete list of holdings, visit the DYNF Holdings page » The chart below shows the one year price performance of DYNF, versus its 200 day moving average:
Looking at the chart above, DYNF's low point in its 52 week range is $42.10 per share, with $59.7082 as the 52 week high point — that compares with a last trade of $58.52. Comparing the most recent share price to the 200 day moving average can also be a useful technical analysis technique -- learn more about the 200 day moving average ».
Exchange traded funds (ETFs) trade just like stocks, but instead of ''shares'' investors are actually buying and selling ''units''. These ''units'' can be traded back and forth just like stocks, but can also be created or destroyed to accommodate investor demand. Each week we monitor the week-over-week change in shares outstanding data, to keep a lookout for those ETFs experiencing notable inflows (many new units created) or outflows (many old units destroyed). Creation of new units will mean the underlying holdings of the ETF need to be purchased, while destruction of units involves selling underlying holdings, so large flows can also impact the individual components held within ETFs.
Also see:
FLMN shares outstanding history
TRMB RSI
Funds Holding FESM
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

DYNF, CRM, HIG, C: ETF Inflow Alert

Looking at the underlying holdings of the ETFs in our coverage universe at ETF Channel, we have compared the trading price of each holding against the average analyst 12-month forward target price, and computed the weighted average implied analyst target price for the ETF itself. For the iShares U.S. Insurance ETF (Symbol: IAK), we found that the implied analyst target price for the ETF based upon its underlying holdings is $145.11 per unit.
With IAK trading at a recent price near $131.84 per unit, that means that analysts see 10.06% upside for this ETF looking through to the average analyst targets of the underlying holdings. Three of IAK's underlying holdings with notable upside to their analyst target prices are Genworth Financial, Inc. (Symbol: GNW), Lincoln National Corp. (Symbol: LNC), and Hartford Insurance Group Inc (Symbol: HIG). Although GNW has traded at a recent price of $8.52/share, the average analyst target is 17.37% higher at $10.00/share. Similarly, LNC has 13.04% upside from the recent share price of $38.04 if the average analyst target price of $43.00/share is reached, and analysts on average are expecting HIG to reach a target price of $142.55/share, which is 10.49% above the recent price of $129.02. Below is a twelve month price history chart comparing the stock performance of GNW, LNC, and HIG:
Combined, GNW, LNC, and HIG represent 5.41% of the iShares U.S. Insurance ETF. Below is a summary table of the current analyst target prices discussed above:
Name
Symbol
Recent Price
Avg. Analyst 12-Mo. Target
% Upside to Target
iShares U.S. Insurance ETF
IAK
$131.84
$145.11
10.06%
Genworth Financial, Inc.
GNW
$8.52
$10.00
17.37%
Lincoln National Corp.
LNC
$38.04
$43.00
13.04%
Hartford Insurance Group Inc
HIG
$129.02
$142.55
10.49%
Are analysts justified in these targets, or overly optimistic about where these stocks will be trading 12 months from now? Do the analysts have a valid justification for their targets, or are they behind the curve on recent company and industry developments? A high price target relative to a stock's trading price can reflect optimism about the future, but can also be a precursor to target price downgrades if the targets were a relic of the past. These are questions that require further investor research.
Also see:
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Indicator	TTM Median
P/E	11.50 13.37
Price/Sales	1.34 1.92
P/B	2.08 1.10
P/FCF	6.17 10.25

Indicator	TTM Median
ROE	19.13 10.06
ROA	3.88 1.13
ROI	15.06 6.38
Net Worth	35.55 0.99
Quick Ratio	0.00 1.40
Current Ratio	0.24 0.96

Indicator	TTM Median
Net Profit Margin	11.64 15.86
Operating Margin	15.26 21.72
Gross Margin	43.95 68.17
Return on tangible equity	22.76 12.03

Indicator	TTM Median
EPS	2.20 0.60
EPS Forecast	2.13 0.61
Revenue	6.88B 85.50M
Gross Profit	3.10B —
EBITDA	1.24B —

The Hartford Insurance Group, Inc.

TTM metrics for the latest quarter under IFRS and their historical dynamics

Valuation

Debts

Efficiency

Other ratios

Revenue