The Hartford Insurance GroupHIG +2.70%89 Pretax Margin % is 14.78% as of Mar. 2026, which is 29% above its 10-year median of 11.46. GuruFocus rates HIG with a GF Score™ of 89/100 and a GF Value™ of $134.62 (Fairly Valued). The stock has 4 warning signs investors should review. Among 501 Insurance companies, The Hartford Insurance Group ranks better than 69.26% on this metric.
The historical rank and industry rank for The Hartford Insurance Group's Pretax Margin % or its related term are showing as below:
HIG'
s Pretax Margin % Range Over the Past 10 Years
Min: 2.74 Med: 11.46 Max: 17.69
Current: 17.69
HIG's Pretax Margin % is ranked better than 69.26% of 501
companies
in the Insurance industry
Industry Median: 12.04
vs HIG: 17.69
The Hartford Insurance Group (NYSE:HIG) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
The Hartford Insurance Group Pretax Margin % Related Terms
The Hartford Insurance Group Pretax 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.
The Hartford Insurance Group Pretax Margin % Chart
HIG vs ACGL, AIG, PLGO: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, The Hartford Insurance Group's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, The Hartford Insurance Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where The Hartford Insurance Group's Pretax 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 Pretax Margin % of 14.78% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on The Hartford Insurance Group and its competitors. This is 29% above median its historical median of 11.46. Over the past decade, The Hartford Insurance Group's Pretax Margin % has ranged from 2.74 to 17.69. According to the industry distribution chart, The Hartford Insurance Group ranks #154 out of 501 companies in the Insurance industry, placing it in the top 30.7%.
Is The Hartford Insurance Group's Pretax Margin % too high?
The Hartford Insurance Group's current Pretax Margin % of 14.78% is 29% above median its 10-year median of 11.46. Over the past 10 years, this metric has ranged from a low of 2.74 to a high of 17.69. The Insurance industry median Pretax Margin % is 12.04. The Hartford Insurance Group's value of 14.78% is 22.8% above this industry median. Based on the distribution chart, The Hartford Insurance Group ranks #154 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 Pretax Margin % compare to ACGL and AIG?
According to the Insurance industry distribution chart, The Hartford Insurance Group ranks #154 out of 501 companies for Pretax Margin %. This puts The Hartford Insurance Group in the upper half of its industry. The industry median Pretax Margin % is 12.04. The Hartford Insurance Group's value of 14.78% is 22.8% above this benchmark. Historically, The Hartford Insurance Group's own Pretax Margin % has ranged from 2.74 to 17.69 over the past decade. While the company's 10-year median is 11.46 vs. the industry median of 12.04, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.04, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Hartford Insurance Group's current Pretax Margin % of 14.78% is 22.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on The Hartford Insurance Group and its competitors. For the Insurance industry, the median Pretax Margin % is 12.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Hartford Insurance Group's current Pretax Margin % is 14.78%, which is 29% above median its own 10-year median of 11.46. 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 $134.62, compared to a current price of $133.89 — trading 0.5% below its estimated fair value. The current Pretax Margin % is 14.78%, which is 29% above median its 10-year median of 11.46 and 22.8% above the Insurance industry median of 12.04. The Hartford Insurance Group's overall GF Score™ is 89/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For The Hartford Insurance Group (HIG), the current Pretax Margin % is 14.78% 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 $133.89 is trading 0.5% below its estimated GF Value™ of $134.62.
GuruFocus considers The Hartford Insurance Group to be Fairly Valued.
Key valuation signals for HIG:
Pretax Margin %: 14.78% (29% above median its 10-year median of 11.46)
GF Value™: $134.62 vs. price of $133.89 (0.5% below fair value)
Industry Position: 22.8% above the Insurance median (#154 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
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