The Hartford
Underwriter of business insurance, AARP-linked auto and home policies, and employer-sponsored benefits.
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Profile
Underwrites commercial and personal property-and-casualty policies and provides employer-sponsored disability, life, leave and supplemental health benefits. Premiums and investment income drive the economics; Business Insurance is the largest operation, Personal Insurance relies heavily on the AARP program, and Hartford Funds is being sold.
Underwrites commercial property and casualty coverage through Business Insurance, spanning small commercial, middle and large commercial, and Global Specialty. Products include workers’ compensation, package and property, general liability, marine and professional liability. Most premiums come from the United States, with specialty operations overseas.
Sells auto and homeowners policies through Personal Insurance, largely under an exclusive AARP licensing arrangement. Employee Benefits provides group disability, life, leave and supplemental health coverage to employers. Agents, brokers and affinity partners distribute policies, while claims specialists and data analytics support claims decisions and return-to-work services.
Premiums and investment income fund claims, with results dependent on loss estimation, catastrophes, regulation and reinsurance. Property & Casualty Other Operations manages legacy runoff without writing new business. Hartford Funds is reported as discontinued operations under a pending sale to Wellington Management.
Company facts
Key statistics
Year to date +1.0% · Average volume (30d) 1.5M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 15, 2026 | Piper Sandler | Downgrade | Overweight | Neutral | $161 | $146 |
| Jun 5, 2026 | Mizuho Securities | Target | $160 | $154 | ||
| Jun 5, 2026 | Wells Fargo | Reiterate | Overweight | $156 | $154 | |
| Mar 30, 2026 | Keefe, Bruyette & Woods | Downgrade | Outperform | Market Perform | ||
| Feb 3, 2026 | Morgan Stanley | Reiterate | Equal Weight | $150 | $142 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $3.16 | $3.42 | +8.2% | $7.17B | $7.26B | +1.3% | −1.16% |
| Apr 23, 2026Q1 FY26 | $3.39 | $3.09 | −8.8% | $7.35B | $7.23B | −1.7% | −3.70% |
| Jan 29, 2026Q4 FY25 | $3.17 | $4.06 | +28.1% | $7.29B | $7.34B | +0.6% | +2.03% |
| Oct 27, 2025Q3 FY25 | $3.09 | $3.78 | +22.3% | $7.17B | $7.15B | −0.3% | −1.82% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $6.81B | $6.99B | $7.23B | $7.31B | $7.23B | $7.26B | |
| Gross profit | $2.81B | $3.28B | $3.44B | $3.58B | $3.23B | $2.51B | |
| Operating income | $783.0M | $1.25B | $1.32B | $1.41B | $1.06B | $629.0M | |
| Net income | $630.0M | $995.0M | $1.08B | $1.13B | $856.0M | $1.30B | |
| Diluted EPS | $2.15 | $3.44 | $3.77 | $3.98 | $3.03 | $4.59 | |
| Gross margin | 41.3% | 46.9% | 47.6% | 48.9% | 44.7% | 34.6% | |
| Operating margin | 11.5% | 17.8% | 18.2% | 19.3% | 14.6% | 8.7% |
Fiscal years (4-quarter sums)FY21 $21.28B · FY22 $21.85B · FY23 $24.33B · FY24 $26.38B · FY25 $28.34B
Balance sheet, Jun 30, 2026Cash & short-term investments $3.99B · Total debt $4.37B · Total assets $87.98B · Shareholders' equity $19.63B
Dividends
Raised for 16 straight years — most recently to $0.60 from $0.52 in Dec 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 1, 2026 | Jun 1 | Jul 2 | $0.60 | |
| Mar 2, 2026 | Mar 2 | Apr 2 | $0.60 | |
| Dec 1, 2025 | Dec 1 | Jan 5 | $0.60 | raised from $0.52 |
| Sep 2, 2025 | Sep 2 | Oct 2 | $0.52 | |
| Jun 2, 2025 | Jun 2 | Jul 2 | $0.52 | |
| Mar 3, 2025 | Mar 3 | Apr 2 | $0.52 | |
| Dec 2, 2024 | Dec 2 | Jan 3 | $0.52 | raised from $0.47 |
| Sep 3, 2024 | Sep 3 | Oct 2 | $0.47 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 274.13M · Float 269.84M · 98.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 30.69M | 11.20% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 17.88M | 6.52% | 13F | Aug 13, 2026 |
| State Street Corp | 16.07M | 5.86% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 15.73M | 5.74% | 13F | Aug 13, 2026 |
| FMR LLC | 10.50M | 3.83% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 27, 2026 | Adin M. Tooker | officer: President | −8,895 | $135.13 |
| Mar 10, 2026 | Lori A. Rodden | officer: Executive Vice President | −40,693 | $138.05 |
| Mar 4, 2026 | Allison G. Niderno | officer: SVP & Controller | −702 | $140.52 |
| Feb 26, 2026 | Allison G. Niderno | officer: SVP & Controller | −375 | $141.97 |
| Feb 25, 2026 | Adin M. Tooker | officer: President | −8,307 | $140.54 |
Peers
- Travelers
Closest rival in U.S. small-commercial and middle-market P&C insurance.
- Chubb
Largest global P&C insurer; primary rival in middle-market and global specialty.
- Unum Group
#1 U.S. group disability insurer; most direct rival in Group Benefits.
- MetLife
Largest U.S. group benefits insurer; dominant in employer life/disability.
- C.N.A. Financial
Mid-sized commercial P&C rival in middle-market and specialty lines.
- W. R. Berkley
Top-10 U.S. E&S commercial lines rival; overlaps in specialty casualty lines.
- Progressive
#1 U.S. personal auto insurer; competes in AARP and independent-agent auto.
- Allstate
Major personal lines carrier; competes in personal auto and homeowners.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| The Hartford | $137.85 | −0.49% | $37.98B | 9.0 | 10.6 | 1.3 | +4.0% |
| Travelers | $372.15 | +0.62% | $77.15B | 9.9 | 12.4 | 1.6 | −4.8% |
| Chubb | $340.37 | +0.13% | $131.14B | 12.0 | 12.2 | 2.1 | −1.3% |
| Unum Group | $93.38 | +0.31% | $14.73B | 21.7 | 10.4 | 1.1 | −13.8% |
| MetLife | $97.91 | +1.46% | $62.10B | 18.5 | 9.2 | 0.8 | +10.0% |
| C.N.A. Financial | $49.31 | +0.02% | $13.34B | 10.8 | 10.6 | 0.9 | +3.0% |
| W. R. Berkley | $70.65 | +3.20% | $25.48B | 14.1 | 14.5 | 1.4 | +1.2% |
| Progressive | $217.33 | −0.61% | $127.12B | 11.0 | 13.3 | 1.4 | −4.2% |
| Allstate | $260.58 | −0.03% | $67.08B | 5.2 | 9.2 | 1.0 | −7.2% |
| Median | 11.5 | 11.4 | 1.3 | −2.7% |