# Hartford Insurance Group Returns

NYSE: HIG · Reporting currency: USD

[Interactive page](https://beanvest.com/stock/hig/returns) · [JSON with these options](https://beanvest.com/stock/hig/returns.json?range=5Y&deductSbc=false&limit=200&offset=0&frequency=quarterly&wacc=7.7) · [Raw filing inputs](https://beanvest.com/api/v2/financials/hig)

Frequency: quarterly. Newest first. Retrieved: 2026-10-23T23:27:08.686Z.
Coverage: 2009-06-30 to 2026-06-30. Rows 1–69 of 69.
Snapshot checked: 2026-10-19T21:59:30.430Z. Last validated: 2026-10-24T01:47:07.619Z.

## Definitions

- **ROIC** (`roic`, percent): NOPAT / average invested capital × 100. NOPAT = operating income × (1 − effective tax rate). Invested capital = equity including noncontrolling interests + debt − cash and equivalents. Average uses period end and one year earlier.
- **ROCE** (`roce`, percent): Operating income / average (assets − current liabilities) × 100, using period end and one year earlier.
- **ROIIC** (`roiic`, percent): Year-over-year change in annual/TTM NOPAT / positive year-over-year change in invested capital × 100. Capital reductions and missing inputs yield unavailable values.
- **ROE** (`roe`, percent): Earnings attributable to owners / average equity attributable to owners × 100, using period end and one year earlier.
- **ROA** (`roa`, percent): Net income / average total assets × 100, using period end and one year earlier.
- **ROIC − WACC** (`roic_wacc`, percentage_points): ROIC less your WACC assumption, in percentage points. The same scenario rate is applied across history; it is not a reported or historical company WACC.

## Values

| Period | End date | ROIC (percent) | ROCE (percent) | ROIIC (percent) | ROE (percent) | ROA (percent) | ROIC − WACC (percentage_points) |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 2026-Q2 | 2026-06-30 | Unavailable | Unavailable | Unavailable | 23.38564237840166 | 5.086760438638403 | Unavailable |
| 2026-Q1 | 2026-03-31 | Unavailable | Unavailable | Unavailable | 22.61774829989086 | 4.817676674830545 | Unavailable |
| 2025-Q4 | 2025-12-31 | Unavailable | Unavailable | Unavailable | 21.537853553886976 | 4.596378973603173 | Unavailable |
| 2025-Q3 | 2025-09-30 | Unavailable | Unavailable | Unavailable | 19.950363810705625 | 4.281227814744847 | Unavailable |
| 2025-Q2 | 2025-06-30 | Unavailable | Unavailable | Unavailable | 19.422856798602325 | 3.989304484125764 | Unavailable |
| 2025-Q1 | 2025-03-31 | Unavailable | Unavailable | Unavailable | 18.364694231245355 | 3.734603198410169 | Unavailable |
| 2024-Q4 | 2024-12-31 | Unavailable | Unavailable | Unavailable | 19.44986466922641 | 3.945541132678491 | Unavailable |
| 2024-Q3 | 2024-09-30 | Unavailable | Unavailable | Unavailable | 19.60439273959657 | 3.8899412463479632 | Unavailable |
| 2024-Q2 | 2024-06-30 | Unavailable | Unavailable | Unavailable | 19.388576025744168 | 3.8093120876677933 | Unavailable |
| 2024-Q1 | 2024-03-31 | Unavailable | Unavailable | Unavailable | 18.12265163714439 | 3.582545291822136 | Unavailable |
| 2023-Q4 | 2023-12-31 | Unavailable | Unavailable | Unavailable | 17.148974376683473 | 3.343079531648443 | Unavailable |
| 2023-Q3 | 2023-09-30 | Unavailable | Unavailable | Unavailable | 17.301193962604188 | 3.1780312608924457 | Unavailable |
| 2023-Q2 | 2023-06-30 | Unavailable | Unavailable | Unavailable | 14.039044330114878 | 2.7519361299274765 | Unavailable |
| 2023-Q1 | 2023-03-31 | Unavailable | Unavailable | Unavailable | 12.481396963984523 | 2.5524912876836945 | Unavailable |
| 2022-Q4 | 2022-12-31 | Unavailable | Unavailable | Unavailable | 11.399885619876724 | 2.4264705882352944 | Unavailable |
| 2022-Q3 | 2022-09-30 | Unavailable | Unavailable | Unavailable | 12.551513774864523 | 2.640268483567536 | Unavailable |
| 2022-Q2 | 2022-06-30 | Unavailable | Unavailable | Unavailable | 12.793347705574377 | 2.8518221485176776 | Unavailable |
| 2022-Q1 | 2022-03-31 | Unavailable | Unavailable | Unavailable | 15.119497604095361 | 3.4271643928191473 | Unavailable |
| 2021-Q4 | 2021-12-31 | Unavailable | Unavailable | Unavailable | 12.879474710843706 | 3.138915249288269 | Unavailable |
| 2021-Q3 | 2021-09-30 | Unavailable | Unavailable | Unavailable | 12.068192014356214 | 2.924452758581243 | Unavailable |
| 2021-Q2 | 2021-06-30 | Unavailable | Unavailable | Unavailable | 12.056858081322913 | 2.9508241720536366 | Unavailable |
| 2021-Q1 | 2021-03-31 | Unavailable | Unavailable | Unavailable | 10.264498908032031 | 2.3970613958369773 | Unavailable |
| 2020-Q4 | 2020-12-31 | Unavailable | Unavailable | Unavailable | 9.8547062539482 | 2.3970523294325456 | Unavailable |
| 2020-Q3 | 2020-09-30 | Unavailable | Unavailable | Unavailable | 10.194805194805195 | 2.4520427844993864 | Unavailable |
| 2020-Q2 | 2020-06-30 | Unavailable | Unavailable | Unavailable | 11.11111111111111 | 2.5971437114664466 | Unavailable |
| 2020-Q1 | 2020-03-31 | Unavailable | Unavailable | Unavailable | 11.531446328446936 | 2.6172300981461287 | Unavailable |
| 2019-Q4 | 2019-12-31 | Unavailable | Unavailable | Unavailable | 14.05467978618365 | 3.132417896096872 | Unavailable |
| 2019-Q3 | 2019-09-30 | Unavailable | Unavailable | Unavailable | 11.879057173603638 | 2.6318786875536286 | Unavailable |
| 2019-Q2 | 2019-06-30 | Unavailable | Unavailable | Unavailable | 11.631582728644299 | 2.50293672790928 | Unavailable |
| 2019-Q1 | 2019-03-31 | Unavailable | Unavailable | Unavailable | 13.310046210384602 | 1.314332654737669 | Unavailable |
| 2018-Q4 | 2018-12-31 | Unavailable | Unavailable | Unavailable | 13.543899229178416 | 1.256750600729569 | Unavailable |
| 2018-Q3 | 2018-09-30 | Unavailable | Unavailable | Unavailable | -13.964354849476003 | -1.464739819638156 | Unavailable |
| 2018-Q2 | 2018-06-30 | Unavailable | Unavailable | Unavailable | -15.35161225447476 | -1.5978342020248535 | Unavailable |
| 2018-Q1 | 2018-03-31 | Unavailable | Unavailable | Unavailable | -19.31546829397718 | -1.317486098983382 | Unavailable |
| 2017-Q4 | 2017-12-31 | Unavailable | Unavailable | Unavailable | -20.600717176037108 | -1.395612134827454 | Unavailable |
| 2017-Q3 | 2017-09-30 | Unavailable | Unavailable | Unavailable | 2.7360619653952245 | 0.21694897280626368 | Unavailable |
| 2017-Q2 | 2017-06-30 | Unavailable | Unavailable | Unavailable | 3.877590872318465 | 0.30651915524202883 | Unavailable |
| 2017-Q1 | 2017-03-31 | Unavailable | Unavailable | Unavailable | 5.415563338173742 | 0.4199778749826113 | Unavailable |
| 2016-Q4 | 2016-12-31 | Unavailable | Unavailable | Unavailable | 5.187436676798378 | 0.3966532383018283 | Unavailable |
| 2016-Q3 | 2016-09-30 | Unavailable | Unavailable | Unavailable | 7.585046931799686 | 0.6079807255323637 | Unavailable |
| 2016-Q2 | 2016-06-30 | Unavailable | Unavailable | Unavailable | 7.290817158701681 | 0.5722991831613449 | Unavailable |
| 2016-Q1 | 2016-03-31 | Unavailable | Unavailable | Unavailable | 8.271263007878673 | 0.648325545417565 | Unavailable |
| 2015-Q4 | 2015-12-31 | Unavailable | Unavailable | Unavailable | 9.251416313734119 | 0.7106626866176132 | Unavailable |
| 2015-Q3 | 2015-09-30 | Unavailable | Unavailable | Unavailable | 8.87172979832069 | 0.6866533069482378 | Unavailable |
| 2015-Q2 | 2015-06-30 | Unavailable | Unavailable | Unavailable | 8.76377639091754 | 0.6656809209796402 | Unavailable |
| 2015-Q1 | 2015-03-31 | Unavailable | Unavailable | Unavailable | 3.9638619340557515 | 0.29622049576539333 | Unavailable |
| 2014-Q4 | 2014-12-31 | Unavailable | Unavailable | Unavailable | 4.241860465116279 | 0.305222634668013 | Unavailable |
| 2014-Q3 | 2014-09-30 | Unavailable | Unavailable | Unavailable | 3.8662182559648333 | 0.2749285844755737 | Unavailable |
| 2014-Q2 | 2014-06-30 | Unavailable | Unavailable | Unavailable | 3.303764210088187 | 0.2310998533334789 | Unavailable |
| 2014-Q1 | 2014-03-31 | Unavailable | Unavailable | Unavailable | 4.4822332530594196 | 0.32003144168549896 | Unavailable |
| 2013-Q4 | 2013-12-31 | Unavailable | Unavailable | Unavailable | 0.8028632230605534 | 0.061069020137162415 | Unavailable |
| 2013-Q3 | 2013-09-30 | Unavailable | Unavailable | Unavailable | -0.9693129698803726 | -0.06207146652273283 | Unavailable |
| 2013-Q2 | 2013-06-30 | Unavailable | Unavailable | Unavailable | -0.5222824229999512 | -0.025383677627294134 | Unavailable |
| 2013-Q1 | 2013-03-31 | Unavailable | Unavailable | Unavailable | -0.1374603024126653 | 0.004279349341391677 | Unavailable |
| 2012-Q4 | 2012-12-31 | Unavailable | Unavailable | Unavailable | -0.35275701655753244 | -0.012612495996362291 | Unavailable |
| 2012-Q3 | 2012-09-30 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| 2012-Q2 | 2012-06-30 | Unavailable | Unavailable | Unavailable | 0.3666697222476854 | 0.03926326663941839 | Unavailable |
| 2012-Q1 | 2012-03-31 | Unavailable | Unavailable | Unavailable | 0.9698862157878552 | 0.0780304729531217 | Unavailable |
| 2011-Q4 | 2011-12-31 | Unavailable | Unavailable | Unavailable | 2.8689757293908054 | 0.21272151797046965 | Unavailable |
| 2011-Q3 | 2011-09-30 | Unavailable | Unavailable | Unavailable | 5.090409704737926 | 0.37254408223087404 | Unavailable |
| 2011-Q2 | 2011-06-30 | Unavailable | Unavailable | Unavailable | 8.765961642755018 | 0.576296786512122 | Unavailable |
| 2011-Q1 | 2011-03-31 | Unavailable | Unavailable | Unavailable | 9.423517598290378 | 0.5851645775374323 | Unavailable |
| 2010-Q4 | 2010-12-31 | Unavailable | Unavailable | Unavailable | 6.103310980720872 | 0.5366872024061475 | Unavailable |
| 2010-Q3 | 2010-09-30 | Unavailable | Unavailable | Unavailable | 5.484165254789522 | 0.5131246372766972 | Unavailable |
| 2010-Q2 | 2010-06-30 | Unavailable | Unavailable | Unavailable | 0.7051619088856587 | 0.24244431564130164 | Unavailable |
| 2010-Q1 | 2010-03-31 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| 2009-Q4 | 2009-12-31 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| 2009-Q3 | 2009-09-30 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| 2009-Q2 | 2009-06-30 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |

## Unavailable values

- roic: Not applicable to banks and insurers: these ratios use an industrial-company capital model.
- roce: Not applicable to banks and insurers: these ratios use an industrial-company capital model.
- roiic: Not applicable to banks and insurers: these ratios use an industrial-company capital model.
- roic_wacc: Not applicable to banks and insurers: these ratios use an industrial-company capital model.
- roe: A complete trailing 12-month reporting basis is unavailable.
- roa: A complete trailing 12-month reporting basis is unavailable.
- roe: The matching period one year earlier is unavailable.
- roa: The matching period one year earlier is unavailable.

WACC scenario: 7.7%. Default: 7.7% (US nonfinancial market · generic proxy). [NYU Stern · January 2026](https://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/wacc.html).

## Sources

- [sec-0000874766-b32a49dbbcbf](https://data.sec.gov/api/xbrl/companyfacts/CIK0000874766.json) · Retrieved 2026-09-28T07:37:41.538Z · SHA-256 b32a49dbbcbfebfc5b5b2fcb81e613a626abd492765b1e381d8167eb0ae8c9c1
- [inline-0000874766-6df55d2c2f98](https://www.sec.gov/Archives/edgar/data/874766/000087476626000012/hig-20251231.htm) · Retrieved 2026-10-21T06:17:09.363Z · SHA-256 6df55d2c2f987d592467e3e5d8a2636e0111025c4b17447cdc7c3f01b06194b5
- [inline-0000874766-e20eb186eda2](https://www.sec.gov/Archives/edgar/data/874766/000087476624000016/hig-20231231.htm) · Retrieved 2026-10-21T06:17:09.363Z · SHA-256 e20eb186eda2021116440a98f4c59c492aa25d19a2ac815dfb011b5ca69bf906
- [inline-0000874766-52e800b4aed7](https://www.sec.gov/Archives/edgar/data/874766/000087476626000060/hig-20260630.htm) · Retrieved 2026-10-21T06:17:09.363Z · SHA-256 52e800b4aed7c2b47c4e17fbedf0068bd428c8fd4905b1f4c8e5dc9f2add42b8
- [inline-0000874766-291f7ef218a2](https://www.sec.gov/Archives/edgar/data/874766/000087476622000019/hig-20211231.htm) · Retrieved 2026-10-19T09:47:27.412Z · SHA-256 291f7ef218a2eea82ed8865f599c826287c8a0525db188142c1f704b4a83b00c

## Data conventions

- Null means an unavailable input or undefined calculation, never zero. Values are unrounded; money and shares are in millions unless a column states otherwise.
- Fiscal periods use actual reporting start/end dates. Annual reported values are not constructed by adding quarterly EPS or weighted share counts. Partial years are labelled.
- FCF uses operating cash flow minus reported cash capital investment, preferring PPE purchases. The productive-assets fallback can also include software and intangibles. Acquisitions and noncash leases are excluded. Deduct SBC is an optional economic-cost scenario; missing SBC remains unavailable.
- SBC / FCF and SBC / OCF compare amounts from the same fiscal period. SBC / FCF always uses FCF before SBC deduction; nonpositive denominators are undefined and values above 100% remain valid.
- Capital allocation percentages describe available tracked cash uses, not all company spending or a fraction of OCF. Missing categories remain null, negative payments are excluded and SBC is noncash. Annual shares use reported annual amounts.
- Valuation uses completed, split-adjusted closes without dividend adjustment and a complete trailing year. Financial bases become eligible after publication; selected facts can contain later restatements. This is not a vintage-filings backtest.
- Mean and median use all valid observations in the selected date range before pagination. Historical pricing labels compare the latest positive value with its own median and do not estimate intrinsic fair value.
- Reporting currencies are retained without conversion. USD market capitalization, where available, is a separate dated Nasdaq snapshot.
- WACC is an editable US industry scenario across history, not a historical company cost of capital. Industry exclusions, missing inputs and pending filings remain explicit.