ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. The Hartford Insurance Group's annualizedNet Income for the quarter that ended in Mar. 2026 was $3,424 Mil.
The Hartford Insurance Group's average Total Assets over the quarter that ended in Mar. 2026 was $86,160 Mil. Therefore, The Hartford Insurance Group's annualized ROA % for the quarter that ended in Mar. 2026 was 3.97%.
The historical rank and industry rank for The Hartford Insurance Group's ROA % or its related term are showing as below:
HIG'
s ROA % Range Over the Past 10 Years
Min: -1.39 Med: 2.78 Max: 4.8
Current: 4.8
During the past 13 years, The Hartford Insurance Group's highest ROA % was 4.80%. The lowest was -1.39%. And the median was 2.78%.
HIG's ROA % is ranked better than 73.52% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs HIG: 4.80
The Hartford Insurance Group (NYSE:HIG) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
The Hartford Insurance Group ROA % Related Terms
The Hartford Insurance Group ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, The Hartford Insurance Group's ROA % distribution charts can be found below:
* The bar in red indicates where The Hartford Insurance Group's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
The Hartford Insurance Group (HIG) has a ROA % of 3.97% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on The Hartford Insurance Group and its competitors. This is 43% above median its historical median of 2.78. According to the industry distribution chart, The Hartford Insurance Group ranks #134 out of 506 companies in the Insurance industry, placing it in the top 26.5%.
Is The Hartford Insurance Group's ROA % too high?
The Hartford Insurance Group's current ROA % of 3.97% is 43% above median its 10-year median of 2.78. The Insurance industry median ROA % is 2.70. The Hartford Insurance Group's value of 3.97% is 47% above this industry median. Based on the distribution chart, The Hartford Insurance Group ranks #134 out of 506 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 ROA % compare to ACGL and AIG?
According to the Insurance industry distribution chart, The Hartford Insurance Group ranks #134 out of 506 companies for ROA %. This puts The Hartford Insurance Group in the upper half of its industry. The industry median ROA % is 2.70. The Hartford Insurance Group's value of 3.97% is 47% above this benchmark. While the company's 10-year median is 2.78 vs. the industry median of 2.70, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.70, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Hartford Insurance Group's current ROA % of 3.97% is 47% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on The Hartford Insurance Group and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Hartford Insurance Group's current ROA % is 3.97%, which is 43% above median its own 10-year median of 2.78. 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 ROA % is 3.97%, which is 43% above median its 10-year median of 2.78 and 47% above the Insurance industry median of 2.70. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For The Hartford Insurance Group (HIG), the current ROA % is 3.97% 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:
ROA %: 3.97% (43% above median its 10-year median of 2.78)
GF Value™: $134.61 vs. price of $132.32 (1.7% below fair value)
Industry Position: 47% above the Insurance median (#134 of 506)
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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