Buffett Brain · Research note
Score updated 22 Oct 2026 · analysis from 25 May 2026
HIG· Financial Services
The Hartford Financial Services Group
Hartford Financial's 29% ROIC is top-quintile in its sector, but operating margins lag, raising questions about its moat.
Buffett fit
Partial fit
Owner
46
Durability
81
Management
48
Price
46
Score updated 22 Oct 2026 · analysis from 25 May 2026
Buffett's checklist
Each number against Buffett's bar, and where it ranks among Financial Services stocks in our database.
How much profit the business makes on each dollar invested in it. Higher is better.
What is left of each sale after the cost of making the product. A high number often means pricing power.
The cash the business earns for its owners, compared with the price of the whole company.
How fast sales grew each year over the last five years.
How many years of today's profit you pay for at today's price. Lower means cheaper.
How much the company owes compared with what it owns outright. Lower is safer.
The four pillars
How the business measures up on each of Buffett's four tests.
Owning 100% of Hartford Financial would mean managing a business with a strong of 29.2%, indicating efficient capital use.
The full reasoning comes with a free account.
Hartford Financial's five-year average of 12.9% is robust, suggesting durability.
The full reasoning comes with a free account.
Hartford's share count has decreased by 5.16% annually over the last five years, indicating shareholder-friendly .
The full reasoning comes with a free account.
With an earnings yield of 10.9% and an yield of 15.67%, Hartford appears undervalued.
The full reasoning comes with a free account.
Free account
Read the full The Hartford Financial Services Group analysis free
- The full reasoning behind all four pillars
- Graham, Lynch and Greenblatt on the same stock
3 full analyses a week · no card needed
For and against
The strongest points on each side, with the numbers behind them.
In its favor
7- 1 of 29.2% is top-quintile in the financial services sector.
- 2Net debt/EBITDA of 0.75 indicates strong financial health.
- 3Interest coverage ratio of 25.3 suggests ample liquidity.
- 4Share count CAGR of -5.16% shows effective .
Concerns
5- 1 of 47% is below sector top-quintile, indicating competitive pressure.
- 2 of 17.5% lags behind sector leaders.
- 3Dividend CAGR of -16% raises questions about capital return consistency.
- 4 yield of 4.24% could be less effective if not below .
Price history
$136+83.3%· 5-year return
Weekly closing prices. Touch or hover the line for a date.
The business
How the business works
Hartford Financial operates in the insurance sector, providing a range of products like workers' compensation, property, and liability insurance to businesses and individuals. The Commercial Lines segment is a major contributor, offering tailored insurance products through various distribution channels. The Personal Lines segment adds to the revenue with auto and home insurance. With a net margin of 14.1% and a of 29.2%, the unit economics suggest efficient capital deployment but highlight margin pressures.
What other investors would say
The same company, judged by three other documented playbooks.
Keep researching
Similar companies in Financial Services
Questions about The Hartford Financial Services Group
- Is The Hartford Financial Services Group undervalued?
- Would Buffett buy The Hartford Financial Services Group?
- How strong is The Hartford Financial Services Group's competitive advantage?
- Is The Hartford Financial Services Group financially healthy?
- Is The Hartford Financial Services Group's dividend safe?
- Is The Hartford Financial Services Group halal?
Free weekly email
Liked the read on HIG? Get the next ones on Monday.
Every Monday: the stocks most of the seven investors newly agree on. One email, unsubscribe any time.
Research, not investment advice.
See the Buffett analysis of The Hartford Financial Services Group
The score, the checklist and the full reasoning open with a free account. You get 3 full analyses a week, and this stock is the first one. No card needed.
Create a free account3 full analyses a week · no card needed
Already have an account? Sign in