The historical rank and industry rank for The Hartford Insurance Group's Net Margin % or its related term are showing as below:
HIG'
s Net Margin % Range Over the Past 10 Years
Min: -18.24 Med: 9.91 Max: 14.28
Current: 14.28
HIG's Net Margin % is ranked better than 70.46% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs HIG: 14.28
The Hartford Insurance Group (NYSE:HIG) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
The Hartford Insurance Group Net Margin % Related Terms
The Hartford Insurance Group Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, The Hartford Insurance Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where The Hartford Insurance Group's Net Margin % 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.
The Hartford Insurance Group (HIG) has a Net Margin % of 11.97% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on The Hartford Insurance Group and its competitors. This is 21% above median its historical median of 9.91. According to the industry distribution chart, The Hartford Insurance Group ranks #148 out of 501 companies in the Insurance industry, placing it in the top 29.5%.
Is The Hartford Insurance Group's Net Margin % too high?
The Hartford Insurance Group's current Net Margin % of 11.97% is 21% above median its 10-year median of 9.91. The Insurance industry median Net Margin % is 9.29. The Hartford Insurance Group's value of 11.97% is 28.8% above this industry median. Based on the distribution chart, The Hartford Insurance Group ranks #148 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, The Hartford Insurance Group has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Hartford Insurance Group's Net Margin % compare to ACGL and AIG?
According to the Insurance industry distribution chart, The Hartford Insurance Group ranks #148 out of 501 companies for Net Margin %. This puts The Hartford Insurance Group in the upper half of its industry. The industry median Net Margin % is 9.29. The Hartford Insurance Group's value of 11.97% is 28.8% above this benchmark. While the company's 10-year median is 9.91 vs. the industry median of 9.29, The Hartford Insurance Group has consistently been above 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Hartford Insurance Group's current Net Margin % of 11.97% is 28.8% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on The Hartford Insurance Group and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Hartford Insurance Group's current Net Margin % is 11.97%, which is 21% above median its own 10-year median of 9.91. 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 $134.61, compared to a current price of $132.32 — trading 1.7% below its estimated fair value. The current Net Margin % is 11.97%, which is 21% above median its 10-year median of 9.91 and 28.8% above the Insurance industry median of 9.29. The Hartford Insurance Group's overall GF Score™ is 89/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For The Hartford Insurance Group (HIG), the current Net Margin % is 11.97% as of Mar. 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 undervalued.
The current stock price of $132.32 is trading 1.7% below its estimated GF Value™ of $134.61.
GuruFocus considers The Hartford Insurance Group to be Fairly Valued.
Key valuation signals for HIG:
Net Margin %: 11.97% (21% above median its 10-year median of 9.91)
GF Value™: $134.61 vs. price of $132.32 (1.7% below fair value)
Industry Position: 28.8% above the Insurance median (#148 of 501)
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.
89GF Score
Get the complete analysis for HIG
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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