HIG Stock Analysis: Buy, Sell, or Hold?
HIG - The Hartford Insurance Group, Inc.
$135.06
2.69 (2.03%)
▲
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Apr 23, 2026
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1 traders called HIG this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: HIG shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: HIG shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$170.41
Based on 4.7% avg growth
INTRINSIC VALUE TODAY
$105.81
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HIG is currently trading at $135.06, which is considered fair relative to its 30-day fair value range of $130.61 to $138.31. The stock's valuation (Forward PE: 10.0) is in line with its historical norms (10.2). Remarkably, the market is currently pricing in an annual earnings decline of 0.7% over the next few years. This pessimistic expectation contrasts with the company's recent 47.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, HIG is in a uptrend. The price is approaching resistance at $135.08. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HIG has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $146.25 (+10.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, HIG is in a uptrend. The price is approaching resistance at $135.08. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HIG has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $146.25 (+10.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$130.61 -
$138.31
Company Quality Score
60/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.0%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($146.25)
Fair Price Analysis
30-Day Fair Range
$130.61 -
$138.31
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$127.62
Resistance Level
$135.08
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.97
Wall Street Target
$146.25
(+10.5%)
Revenue Growth (YoY)
7.0%
Earnings Growth (YoY)
47.3%
Profit Margin
12.8%
Valuation Discount vs History
-0.7% cheaper
PE vs Historical
10.0 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.7%
(market-implied from PE analysis)
1-Year Target
$131.44
(-1%)
2-Year Target
$130.52
(-1%)
3-Year Target
$129.61
(-2%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$132.63
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 5.4%)
$346.49
(+162%)
Base:
(SPY PE: 10.0, Growth: 5.4%)
$154.88
(+17%)
Bear:
(PE: 8.5, Growth: 5.4%)
$131.65
(-1%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 10.69 | Current EPS (TTM): $12.22
Bull Case
$156.20
(+16%)
Analyst growth 8.7%, PE expands to 11.8
Base Case
$142.00
(+5%)
Market implied 8.7%, PE stable at 10.7
Bear Case
$88.86
(-34%)
Severe decline -20.0%, PE contracts to 9.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.0 to 10.2
Stabilization Target:
$135.45
(+2.3%)
PE Expansion Potential:
+2.3%
Last updated: January 31, 2026 10:19 AM ET
Data refreshes hourly during market hours. Next update: 11:19 AM
Data refreshes hourly during market hours. Next update: 11:19 AM
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Technical Signals Check
Is HIG showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Val T. Hoyle
SELL
2025-09-23
Donald Christian Hunt
SELL
2124 shares
2025-09-05
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