Hartford Financial Services Group (HIG) - Net Assets
Based on the latest financial reports, Hartford Financial Services Group (HIG) has net assets worth $18.98 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($86.00 Billion) and total liabilities ($67.02 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check HIG cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $18.98 Billion |
| % of Total Assets | 22.07% |
| Annual Growth Rate | 4.76% |
| 5-Year Change | 6.37% |
| 10-Year Change | 12.28% |
| Growth Volatility | 24.29 |
Hartford Financial Services Group - Net Assets Trend (1995–2025)
This chart illustrates how Hartford Financial Services Group's net assets have evolved over time, based on quarterly financial data. Also explore Hartford Financial Services Group asset portfolio for the complete picture of this company's asset base.
Annual Net Assets for Hartford Financial Services Group (1995–2025)
The table below shows the annual net assets of Hartford Financial Services Group from 1995 to 2025. For live valuation and market cap data, see market cap of Hartford Financial Services Group.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $18.98 Billion | +15.39% |
| 2024-12-31 | $16.45 Billion | +7.31% |
| 2023-12-31 | $15.33 Billion | +12.44% |
| 2022-12-31 | $13.63 Billion | -23.61% |
| 2021-12-31 | $17.84 Billion | -3.84% |
| 2020-12-31 | $18.56 Billion | +14.05% |
| 2019-12-31 | $16.27 Billion | +24.19% |
| 2018-12-31 | $13.10 Billion | -2.91% |
| 2017-12-31 | $13.49 Billion | -20.17% |
| 2016-12-31 | $16.90 Billion | -4.19% |
| 2015-12-31 | $17.64 Billion | -5.76% |
| 2014-12-31 | $18.72 Billion | -0.98% |
| 2013-12-31 | $18.91 Billion | -15.78% |
| 2012-12-31 | $22.45 Billion | +4.47% |
| 2011-12-31 | $21.49 Billion | +5.79% |
| 2010-12-31 | $20.31 Billion | +75.76% |
| 2009-12-31 | $11.56 Billion | +52.47% |
| 2008-12-31 | $7.58 Billion | -60.53% |
| 2007-12-31 | $19.20 Billion | +1.74% |
| 2006-12-31 | $18.88 Billion | +23.17% |
| 2005-12-31 | $15.32 Billion | +7.63% |
| 2004-12-31 | $14.24 Billion | +22.33% |
| 2003-12-31 | $11.64 Billion | +8.43% |
| 2002-12-31 | $10.73 Billion | +19.09% |
| 2001-12-31 | $9.01 Billion | +20.75% |
| 2000-12-31 | $7.46 Billion | +26.62% |
| 1999-12-31 | $5.89 Billion | -14.42% |
| 1998-12-31 | $6.89 Billion | +6.26% |
| 1997-12-31 | $6.48 Billion | +43.41% |
| 1996-12-31 | $4.52 Billion | -3.87% |
| 1995-12-31 | $4.70 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Hartford Financial Services Group's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Comprehensive Income | $-2.06 Billion | -10.84% |
| Other Components | $21.04 Billion | 110.84% |
| Total Equity | $18.98 Billion | 100.00% |
Hartford Financial Services Group Competitors by Market Cap
The table below lists competitors of Hartford Financial Services Group ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
UTD OV. BK-LOC-ADR/1 SD 1
F:UOB0
|
$37.62 Billion |
|
WEC Energy Group Inc
NYSE:WEC
|
$37.69 Billion |
|
PayPal Holdings Inc
NASDAQ:PYPL
|
$37.70 Billion |
|
Skandinaviska Enskilda Banken AB (publ)
ST:SEB-A
|
$37.77 Billion |
|
TELSTRA GROUP LTD SP.ADR
F:5KB
|
$37.53 Billion |
|
AENA SME UNSP.ADR/1/10
F:A440
|
$37.50 Billion |
|
ABB PAR AB B ADR/1/2/SK 1
F:ALZ
|
$37.49 Billion |
|
Constellation Software Inc.
TO:CSU
|
$37.43 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Hartford Financial Services Group's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 16,447,000,000 to 18,979,000,000, a change of 2,532,000,000 (15.4%).
- Net income of 3,836,000,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 829,000,000.
- Other factors decreased equity by 2,133,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $3.84 Billion | +20.21% |
| Other Comprehensive Income | $829.00 Million | +4.37% |
| Other Changes | $-2.13 Billion | -11.24% |
| Total Change | $- | 15.39% |
Book Value vs Market Value Analysis
This analysis compares Hartford Financial Services Group's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.05x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 6.78x to 2.05x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $20.02 | $135.81 | x |
| 1996-12-31 | $19.27 | $135.81 | x |
| 1997-12-31 | $25.48 | $135.81 | x |
| 1998-12-31 | $27.19 | $135.81 | x |
| 1999-12-31 | $24.03 | $135.81 | x |
| 2000-12-31 | $33.26 | $135.81 | x |
| 2001-12-31 | $37.34 | $135.81 | x |
| 2002-12-31 | $42.63 | $135.81 | x |
| 2003-12-31 | $42.73 | $135.81 | x |
| 2004-12-31 | $47.94 | $135.81 | x |
| 2005-12-31 | $50.15 | $135.81 | x |
| 2006-12-31 | $59.75 | $135.81 | x |
| 2007-12-31 | $60.18 | $135.81 | x |
| 2008-12-31 | $30.01 | $135.81 | x |
| 2009-12-31 | $49.38 | $135.81 | x |
| 2010-12-31 | $42.18 | $135.81 | x |
| 2011-12-31 | $44.95 | $135.81 | x |
| 2012-12-31 | $46.11 | $135.81 | x |
| 2013-12-31 | $38.53 | $135.81 | x |
| 2014-12-31 | $40.68 | $135.81 | x |
| 2015-12-31 | $41.49 | $135.81 | x |
| 2016-12-31 | $42.81 | $135.81 | x |
| 2017-12-31 | $36.42 | $135.81 | x |
| 2018-12-31 | $35.98 | $135.81 | x |
| 2019-12-31 | $44.59 | $135.81 | x |
| 2020-12-31 | $51.46 | $135.81 | x |
| 2021-12-31 | $50.39 | $135.81 | x |
| 2022-12-31 | $41.37 | $135.81 | x |
| 2023-12-31 | $49.20 | $135.81 | x |
| 2024-12-31 | $55.08 | $135.81 | x |
| 2025-12-31 | $66.24 | $135.81 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Hartford Financial Services Group utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 20.21%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.57%
- • Asset Turnover: 0.33x
- • Equity Multiplier: 4.53x
- Recent ROE (20.21%) is above the historical average (7.79%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 11.95% | 4.63% | 0.13x | 19.96x | $91.80 Million |
| 1996 | -2.19% | -0.79% | 0.12x | 24.08x | $-551.00 Million |
| 1997 | 21.89% | 9.63% | 0.10x | 21.65x | $723.50 Million |
| 1998 | 15.80% | 6.76% | 0.10x | 23.45x | $372.70 Million |
| 1999 | 15.77% | 6.37% | 0.08x | 30.56x | $315.40 Million |
| 2000 | 13.05% | 6.62% | 0.09x | 22.98x | $227.60 Million |
| 2001 | 5.63% | 3.17% | 0.09x | 20.11x | $-394.30 Million |
| 2002 | 9.32% | 6.09% | 0.09x | 16.96x | $-73.40 Million |
| 2003 | -0.78% | -0.49% | 0.08x | 19.40x | $-1.25 Billion |
| 2004 | 14.85% | 9.31% | 0.09x | 18.24x | $691.20 Million |
| 2005 | 14.84% | 8.40% | 0.09x | 18.63x | $741.50 Million |
| 2006 | 14.54% | 10.36% | 0.08x | 17.31x | $857.40 Million |
| 2007 | 15.36% | 11.38% | 0.07x | 18.76x | $1.03 Billion |
| 2008 | -29.66% | -29.82% | 0.04x | 26.75x | $-3.68 Billion |
| 2009 | -4.97% | -3.59% | 0.09x | 14.82x | $-2.67 Billion |
| 2010 | 8.05% | 7.42% | 0.07x | 15.67x | $-395.10 Million |
| 2011 | 3.31% | 3.28% | 0.07x | 14.08x | $-1.44 Billion |
| 2012 | -0.17% | -0.17% | 0.07x | 13.30x | $-2.28 Billion |
| 2013 | 0.93% | 0.85% | 0.07x | 14.70x | $-1.71 Billion |
| 2014 | 4.26% | 4.29% | 0.08x | 13.09x | $-1.07 Billion |
| 2015 | 9.53% | 10.51% | 0.07x | 12.94x | $-82.20 Million |
| 2016 | 5.30% | 5.50% | 0.07x | 13.22x | $-794.30 Million |
| 2017 | -23.20% | -18.24% | 0.08x | 16.69x | $-4.48 Billion |
| 2018 | 13.79% | 9.64% | 0.30x | 4.76x | $496.90 Million |
| 2019 | 12.81% | 10.17% | 0.29x | 4.35x | $458.00 Million |
| 2020 | 9.36% | 8.55% | 0.27x | 3.99x | $-118.60 Million |
| 2021 | 13.29% | 10.95% | 0.28x | 4.29x | $586.70 Million |
| 2022 | 13.34% | 8.32% | 0.30x | 5.36x | $455.90 Million |
| 2023 | 16.34% | 10.29% | 0.35x | 4.57x | $971.30 Million |
| 2024 | 18.92% | 11.79% | 0.33x | 4.92x | $1.47 Billion |
| 2025 | 20.21% | 13.57% | 0.33x | 4.53x | $1.94 Billion |
Industry Comparison
This section compares Hartford Financial Services Group's net assets metrics with peer companies in the Insurance - Diversified industry.
Industry Context
- Industry: Insurance - Diversified
- Average net assets among peers: $35,187,891,098
- Average return on equity (ROE) among peers: 8.96%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Hartford Financial Services Group (HIG) | $18.98 Billion | 11.95% | 3.53x | $37.61 Billion |
| Arch Capital Group Ltd (ACGL) | $1.71 Billion | 16.40% | 2.26x | $33.43 Billion |
| American International Group Inc (AIG) | $34.20 Billion | 18.09% | 6.84x | $42.23 Billion |
| Brookfield Wealth Solutions Ltd. (BNT) | $65.46 Million | 9.17% | 13.16x | $2.71 Billion |
| Berkshire Hathaway Inc (BRK-A) | $86.66 Billion | 8.43% | 1.18x | $363.55 Billion |
| Berkshire Hathaway Inc (BRK-B) | $191.59 Billion | 7.74% | 1.23x | $649.36 Billion |
| Enstar Group Limited (ESGR) | $97.66 Million | 1.61% | 0.02x | $5.04 Billion |
| FG Financial Group (FGF) | $49.91 Million | 7.30% | 0.49x | $6.32 Million |
| Fidelis Insurance Holdings Limited (FIHL) | $2.02 Billion | 3.38% | 2.49x | $2.06 Billion |
| International General Insurance Holdings Ltd (IGIC) | $301.16 Million | 8.48% | 2.00x | $1.08 Billion |
About Hartford Financial Services Group
The Hartford Insurance Group, Inc., together with its subsidiaries, provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Business Insurance segment offers insurance coverages, including workers' compensation, property, automobile, general and professional liability, package business, umbrella, fidelity an… Read more