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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for The Hartford Insurance Group's Debt-to-EBITDA or its related term are showing as below:
HIG'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.78 Med: 1.44 Max: 4.19
Current: 0.78
During the past 13 years, the highest Debt-to-EBITDA Ratio of The Hartford Insurance Group was 4.19. The lowest was 0.78. And the median was 1.44.
HIG's Debt-to-EBITDA is ranked better than 62.42% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs HIG: 0.78
The Hartford Insurance Group (NYSE:HIG) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The Hartford Insurance Group Debt-to-EBITDA Related Terms
The Hartford Insurance Group Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Diversified subindustry, The Hartford Insurance Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
The Hartford Insurance Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, The Hartford Insurance Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where The Hartford Insurance Group's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
The Hartford Insurance Group (HIG) has a Debt-to-EBITDA of 0.79 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on The Hartford Insurance Group. This is 45% below median its historical median of 1.44. Over the past decade, The Hartford Insurance Group's Debt-to-EBITDA has ranged from 0.78 to 4.19. According to the industry distribution chart, The Hartford Insurance Group ranks #121 out of 322 companies in the Insurance industry, placing it in the top 37.6%.
Is The Hartford Insurance Group's Debt-to-EBITDA too high?
The Hartford Insurance Group's current Debt-to-EBITDA of 0.79 is 45% below median its 10-year median of 1.44. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 4.19. The Insurance industry median Debt-to-EBITDA is 1.19. The Hartford Insurance Group's value of 0.79 is 33.3% below this industry median. Based on the distribution chart, The Hartford Insurance Group ranks #121 out of 322 companies in the Insurance industry, which is above the industry midpoint. Overall, The Hartford Insurance Group has a GF Score™ of 90/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Hartford Insurance Group's Debt-to-EBITDA compare to ACGL and AIG?
According to the Insurance industry distribution chart, The Hartford Insurance Group ranks #121 out of 322 companies for Debt-to-EBITDA. This puts The Hartford Insurance Group in the upper half of its industry. The industry median Debt-to-EBITDA is 1.19. The Hartford Insurance Group's value of 0.79 is 33.3% below this benchmark. Historically, The Hartford Insurance Group's own Debt-to-EBITDA has ranged from 0.78 to 4.19 over the past decade. While the company's 10-year median is 1.44 vs. the industry median of 1.19, The Hartford Insurance Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Hartford Insurance Group's current Debt-to-EBITDA of 0.79 is 33.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on The Hartford Insurance Group. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Hartford Insurance Group's current Debt-to-EBITDA is 0.79, which is 45% below median its own 10-year median of 1.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Hartford Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, The Hartford Insurance Group (HIG) is currently considered Fairly Valued. The stock's GF Value™ is $137.54, compared to a current price of $140.53 — trading 2.2% above its estimated fair value. The current Debt-to-EBITDA is 0.79, which is 45% below median its 10-year median of 1.44 and 33.3% below the Insurance industry median of 1.19. The Hartford Insurance Group's overall GF Score™ is 90/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For The Hartford Insurance Group (HIG), the current Debt-to-EBITDA is 0.79 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is The Hartford Insurance Group (HIG) Overvalued in 2026?
Based on GuruFocus' analysis, The Hartford Insurance Group stock appears to be overvalued.
The current stock price of $140.53 is trading 2.2% above its estimated GF Value™ of $137.54.
GuruFocus considers The Hartford Insurance Group to be Fairly Valued.
Key valuation signals for HIG:
Debt-to-EBITDA: 0.79 (45% below median its 10-year median of 1.44)
GF Value™: $137.54 vs. price of $140.53 (2.2% above fair value)
Industry Position: 33.3% below the Insurance median (#121 of 322)
No single metric tells the full story. See the HIG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Hartford Insurance Group Inc. provides property and casualty insurance, group benefits, and mutual funds. The company is widely recognized for its service excellence, sustainability practices, trust, and integrity. The Company currently conducts business principally in five reportable segments, including Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds, as well as a Corporate category. The company generates a majority of its revenue from Business Insurance.
90GF Score
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