Analyst Consensus ?
ConsensusBuy42 ratings
Bullish2252.4%
Neutral2047.6%
Bearish00.0%
The Hartford Insurance Group, Inc. · HIG · FY2024 Q3 · Calendar Q4 2024
Hartford posts commercial growth while liability and catastrophe risks remain
The supplied analysis supports a constructive but qualified view: commercial growth, improving underlying combined ratios, pricing discipline, and technology investment provide operating support, while liability trends, catastrophe exposure, and personal-lines expenses could limit margin expansion.
Reported After market closeNYSEFinancial Services
$36.39B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$2.53
Consensus $2.54
EPS surprise
-0.4%
Reported versus consensus
Reported revenue
$6.71B
Consensus $6.68B
Revenue surprise
+0.5%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
-6.8%
Event window
SPY move
-0.0%
Same window
Abnormal move
-6.8%
Stock minus SPY
Volume
2.1×
Versus trailing sessions
Subsequent drift
+7.5%
Up to 20 sessions
HIGSPY benchmark
Ask FN2 about HIG FY2024 Q3
Transcript, numbers and history already loaded
Why did HIG fall 6.8% after missing EPS estimates in FY2024 Q3?What changed in HIG's guidance and outlook in FY2024 Q3?Give me the bull and bear case for HIG after FY2024 Q3 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The current analysis points to 9% commercial-lines growth, stronger small-commercial and middle-market new business, improved underlying combined ratios, an 11% dividend increase, and continued share repurchases. It also adds specific Hurricane Milton loss estimates and highlights general-liability and personal-lines expense pressure.
Guidance delta
No formal guidance sentiment was provided in the supplied analysis.
Key takeaways
- Commercial lines grew 9% year over year, led by small commercial and middle-market new business.
- Underlying combined ratios improved across commercial and personal lines, while group benefits remained profitable.
- Management emphasized pricing discipline, underwriting technology, and expansion in small commercial and E&S binding.
- Capital returns continued through an 11% dividend increase and a $400 million share-repurchase program.
- Liability trends, catastrophe losses, and personal-lines expenses remain the main execution risks.
Management priorities
- Invest further in technology and data-science platforms for pricing and underwriting.
- Pursue a $3 billion commercial property premium target.
- Reach a $300 million E&S binding goal by year-end.
- Maintain dividend growth and continue share repurchases.
- Complete the asbestos and environmental ADC study in Q4 and report findings.
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Analyst 52W Price Targets
$134.33Previous close
$73Low
$131.76Average
$165High
Latest persisted target per named analyst; persisted previous close from FN2's market snapshot as of Oct 20, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Wells Fargo | Overweight | Overweight | Maintain | Oct 12, 2026 |
| Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintain | Oct 12, 2026 |
| Mizuho | Neutral | Neutral | Maintain | Oct 7, 2026 |
| Cantor Fitzgerald | Overweight | Overweight | Maintain | Oct 7, 2026 |
| UBS | Buy | Buy | Maintain | Oct 6, 2026 |
| Morgan Stanley | Equal Weight | Equal Weight | Maintain | Oct 6, 2026 |
| RBC Capital | Sector Perform | Sector Perform | Maintain | Jul 27, 2026 |
| JP Morgan | Neutral | Neutral | Maintain | Jul 20, 2026 |
| Piper Sandler | Neutral | Overweight | Downgrade | Jul 15, 2026 |
| Evercore ISI Group | In Line | In Line | Maintain | Jul 10, 2026 |
| Barclays | Overweight | Overweight | Maintain | Jun 12, 2026 |
| B of A Securities | Neutral | Neutral | Maintain | Apr 14, 2026 |
| Citigroup | Neutral | Neutral | Maintain | Feb 4, 2026 |
| Roth Capital | Neutral | Neutral | Maintain | Jan 30, 2026 |
| Argus Research | Buy | Buy | Maintain | Nov 25, 2025 |
| Raymond James | Outperform | Outperform | Maintain | Aug 1, 2025 |
| Jefferies | Hold | Hold | Maintain | Apr 11, 2025 |
| BMO Capital | Market Perform | Market Perform | Maintain | Nov 27, 2024 |
| Goldman Sachs | Buy | Buy | Maintain | Jun 13, 2024 |
| Roth MKM | Neutral | Neutral | Maintain | Apr 26, 2024 |
| TD Cowen | Buy | Buy | Maintain | Apr 3, 2024 |
| Credit Suisse | Outperform | Outperform | Maintain | Apr 17, 2023 |
| Deutsche Bank | Buy | Buy | Maintain | May 5, 2020 |
| MKM Partners | Buy | Buy | Maintain | Apr 30, 2020 |
| Buckingham Research | Neutral | Buy | Downgrade | Jan 22, 2020 |
| Buckingham | Neutral | Buy | Downgrade | Jan 22, 2020 |
| B. Riley Securities | Buy | Buy | Maintain | Jun 26, 2019 |
| B. Riley | Buy | Buy | Maintain | Jun 26, 2019 |
| Compass Point | Buy | Buy | Maintain | Jan 15, 2019 |
| B. Riley FBR | Buy | Neutral | Upgrade | Sep 24, 2018 |
| Sandler O'Neill | Buy | Buy | Maintain | Sep 10, 2018 |
| Argus | Hold | Buy | Downgrade | May 5, 2018 |
| FBR Capital | Market Perform | Outperform | Downgrade | Nov 28, 2016 |
| Bank of America | Neutral | Buy | Downgrade | Nov 16, 2016 |
| Atlantic Equities | Neutral | Overweight | Downgrade | Aug 10, 2016 |
| Keefe Bruyette & Woods | Outperform | Outperform | Maintain | Aug 1, 2016 |
| Nomura | Neutral | Neutral | Maintain | Jan 19, 2016 |
| Sterne Agee | Buy | Buy | Maintain | Oct 13, 2014 |
| Stifel Nicolaus | Buy | Buy | Maintain | Dec 27, 2012 |
| Stifel | Buy | Buy | Maintain | Dec 27, 2012 |
| Bank oferica | Buy | Buy | Maintain | Feb 24, 2012 |
| Evercore Partners | Overweight | Overweight | Maintain | Feb 16, 2012 |
Named analyst price targets
Upside is calculated against the persisted previous close $134.33. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Truist Financial | Analyst unavailable | $137 | $129.11 | +2.0% | Oct 12, 2026 |
| Piper Sandler | Paul Newsome | $146 | $138.15 | +8.7% | Jul 15, 2026 |
| Mizuho Securities | Yaron Kinar | $154 | $127.33 | +14.6% | Jun 5, 2026 |
| Wells Fargo | Elyse Greenspan | $154 | $127.33 | +14.6% | Jun 5, 2026 |
| Morgan Stanley | Analyst unavailable | $142 | $139.38 | +5.7% | Feb 3, 2026 |
| Cantor Fitzgerald | Ryan Tunis | $165 | $136.38 | +22.8% | Feb 2, 2026 |
| UBS | Analyst unavailable | $157 | $135.06 | +16.9% | Feb 2, 2026 |
| Wells Fargo | Analyst unavailable | $156 | $135.06 | +16.1% | Feb 1, 2026 |
| Roth Capital | Analyst unavailable | $135 | $132.37 | +0.5% | Jan 30, 2026 |
| Cantor Fitzgerald | Analyst unavailable | $160 | $132.44 | +19.1% | Jan 14, 2026 |
| Wells Fargo | Analyst unavailable | $153 | $135.24 | +13.9% | Jan 13, 2026 |
| Goldman Sachs | Robert Cox | $151 | $135.9 | +12.4% | Jan 7, 2026 |
| Evercore ISI | David Motemaden | $145 | $136.86 | +7.9% | Jan 7, 2026 |
| Piper Sandler | Analyst unavailable | $161 | $139.01 | +19.9% | Dec 22, 2025 |
| Mizuho Securities | Analyst unavailable | $160 | $138.65 | +19.1% | Dec 15, 2025 |
| UBS | Brian Meredith | $155 | $129.43 | +15.4% | Dec 8, 2025 |
| Argus Research | Kevin Heal | $155 | $138.37 | +15.4% | Nov 25, 2025 |
| RBC Capital | Analyst unavailable | $145 | $136.64 | +7.9% | Nov 24, 2025 |
| Morgan Stanley | Bob Huang | $150 | $133.06 | +11.7% | Nov 17, 2025 |
| UBS | Brian Meredith | $152 | $133.81 | +13.2% | Oct 8, 2025 |
| Barclays | Analyst unavailable | $160 | $133.81 | +19.1% | Oct 8, 2025 |
| Morgan Stanley | Analyst unavailable | $140 | $133.48 | +4.2% | Oct 7, 2025 |
| Evercore ISI | Analyst unavailable | $137 | $134.24 | +2.0% | Oct 1, 2025 |
| Piper Sandler | Analyst unavailable | $150 | $131.91 | +11.7% | Sep 2, 2025 |
| Evercore ISI | David Motemaden | $123 | $112.3 | -8.4% | Feb 3, 2025 |
| Capital One Financial | Michael Zaremski | $141 | $124.03 | +5.0% | Nov 27, 2024 |
| Jefferies | Yaron Kinar | $126 | $113.48 | -6.2% | Oct 28, 2024 |
| Bank of America Securities | Joshua Shanker | $121 | $116.66 | -9.9% | Oct 4, 2024 |
| Barclays | Alex Scott | $130 | $116 | -3.2% | Sep 4, 2024 |
| Jefferies | Yaron Kinar | $113 | $109.26 | -15.9% | Jul 29, 2024 |
| Citigroup | Michael Ward | $118 | $109.26 | -12.2% | Jul 29, 2024 |
| Piper Sandler | Paul Newsome | $125 | $109.44 | -6.9% | Jul 29, 2024 |
| RBC Capital | Mark Dwelle | $115 | $109.41 | -14.4% | Jul 29, 2024 |
| Goldman Sachs | Robert Cox | $111 | $99.4 | -17.4% | Jun 13, 2024 |
| Argus Research | Jacob Kilstein | $110 | $101.33 | -18.1% | May 15, 2024 |
| CFRA | Catherine Seifert | $115 | $99.46 | -14.4% | Mar 13, 2024 |
| Barclays | Tracy Benguigui | $78 | $63.45 | -41.9% | Aug 4, 2022 |
| Raymond James | Analyst unavailable | $85 | $70.15 | -36.7% | May 3, 2022 |
| Wells Fargo | Analyst unavailable | $89 | $69.93 | -33.7% | May 2, 2022 |
| Bank of America Securities | Joshua Shanker | $86 | $72.13 | -36.0% | Oct 29, 2021 |
| Credit Suisse | Andrew Kligerman | $93 | $67.86 | -30.8% | Sep 9, 2021 |
| Deutsche Bank | Phil Stefano | $73 | $62.28 | -45.7% | Jul 12, 2021 |
| Raymond James | Charles Peters | $75 | $65.3 | -44.2% | Apr 19, 2021 |
| Piper Sandler | Nicole Miller Regan | $75 | $65.09 | -44.2% | Apr 12, 2021 |
Track every rating change on HIG the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationThe Hartford Insurance 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. It operates through Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds. The company offers insurance coverage, 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 also provides automobiles, homeowners, and personal umbrella coverages. The Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures.…
Historical context
All HIG earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| FITB Fifth Third Bancorp | FY2026 Q3 · Calendar Q4 2026 | +36.0% | +0.3% | Fifth Third completes Comerica integration as deposits and efficiency improve |
| IBN ICICI Bank Limited | FY2027 Q2 · Calendar Q4 2026 | +1.0% | — | ICICI Bank sustains strong growth, but funding weighs on margins |
| HDB HDFC Bank Limited | FY2027 Q2 · Calendar Q4 2026 | -2.0% | — | HDFC Bank: Strong deposits and asset quality, margins under pressure |
| MTB-PH M&T Bank Corporation | FY2026 Q3 · Calendar Q4 2026 | +2.2% | — | M&T Bank: Loan Growth Holds Up as Rates Pressure Margins |
| MTB-PJ M&T Bank Corporation | FY2026 Q3 · Calendar Q4 2026 | +2.2% | — | M&T: Deposit growth supports margins as AI use expands |
| RF-PE Regions Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +10.3% | — | Regions Financial: Fee Growth and Credit Quality Support Q3 |
Latest beats and misses
Who reports nextBeat on EPS
Missed on EPS
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Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2024-11-10T18:38:36.707185+00:00
- Polygon adjusted daily market bars · 2026-10-20T06:50:44.968996+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-20T06:50:44.966158+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-20. For educational purposes only; not investment advice.