Equity Profile

HIG

The Hartford Insurance Group, Inc.

FinancialsProperty & Casualty Insurance$38.6B

Jul30Thu

Pre-Earnings Brief

UpcomingQ2-2026After Close5:00 PM EDT

Company Snapshot

The Hartford Insurance Group, Inc. (HIG) is a leading property and casualty insurance company that provides a range of insurance products and services....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and is closely watched by investors.

Expected to be around $3.29.

Revenue Growth

Revenue growth reflects the company's ability to expand its business and attract new customers.

Not available.

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

HIG Q2-2026 Earnings Preview

Context

Company Snapshot

The Hartford Insurance Group, Inc. (HIG) is a leading property and casualty insurance company that provides a range of insurance products and services. As part of the financial sector, it plays a crucial role in managing risk for individuals and businesses, particularly in a time of economic uncertainty and changing consumer behaviors.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

88%

Avg EPS Surprise

+11.48%

Avg Stock Reaction

+0.29%

Last Quarter Recap

In Q1 2026, The Hartford reported an EPS of $3.09, which was lower than the expected $3.29, resulting in a negative surprise of 6.19%. Following the earnings report, the stock increased by 1.09% the next day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Overall, expectations for HIG's upcoming earnings are cautious, especially following a recent EPS miss. Investors are particularly focused on how the company will perform in a challenging economic environment.

Bull Case

If HIG can exceed EPS expectations and demonstrate strong revenue growth, it could signal a recovery in profitability and investor confidence.

Bear Case

Conversely, if the company misses EPS estimates again or shows signs of declining revenue, it may lead to further investor skepticism and a drop in stock price.

Key Metrics to Watch

Earnings Per Share (EPS)

Expected to be around $3.29.

EPS is a key indicator of the company's profitability and is closely watched by investors.

Revenue Growth

Not available.

Revenue growth reflects the company's ability to expand its business and attract new customers.

Combined Ratio

Not available.

This metric measures the profitability of the insurance operations, with a lower ratio indicating better performance.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed $3.29?

A beat on EPS would indicate a strong recovery and could boost investor confidence after the last quarter's miss.

What is the outlook on revenue growth?

Understanding revenue trends is crucial for assessing the company's ability to grow and remain competitive in the market.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be overly cautious following the last quarter's miss, failing to recognize that HIG has a strong track record of beating EPS estimates.

Supporting Evidence

HIG has an 88% EPS beat rate over the last eight quarters, indicating a strong potential for positive surprises.

Options pricing suggests a larger move than historical averages, indicating that investors expect significant volatility.

The company's recent performance history shows a tendency to recover quickly from misses.

Key Risk

If the EPS comes in above $3.30, it could challenge the current cautious sentiment and shift investor expectations.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it follows a disappointing EPS report, and investors are keen to see if the company can regain momentum.

Bull Confirmed If

An EPS of $3.30 or higher would confirm the bull case and suggest a strong recovery in profitability.

Bear Confirmed If

An EPS below $3.00 would confirm the bear case and raise concerns about the company's financial health.

Pre-Earnings Positioning

Options Market

Implied Move

±9.83%

Historical Avg

±0.7%

Pricing rich

The options market is pricing in a significant potential move in either direction, suggesting that investors are anticipating volatility around the earnings announcement.

Options are pricing ±9.8% while HIG has averaged ±0.7% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.2%

30d HV

20.8%

Calls (42K)P/C Ratio: 0.49Puts (6K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter miss + options pricing rich in Financials

n=30

Fade rate: 11 of 30 (37%)

This setup has occurred 30 times across Financials in the last 2 years. 19 of 30 (63%) held or extended their move within 5 days — this setup typically holds direction. The average absolute 1-day move is 2.7%, with a raw directional average of +0.1% (roughly flat historical bias).

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If HIG beats expectations, history suggests the stock could rise by around 0.17% on the day, confirming a positive trend.

In-Line / Cautious

If results are in line with expectations, the stock may experience a muted reaction as investors await further clarity from management.

Miss

If the company misses expectations again, history suggests a potential decline of around 1.09%, which could heighten investor concerns.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on the company's strategy for improving underwriting performance.
2Insights into claims trends and how they are impacting profitability.
3Management's outlook on market conditions and their impact on future growth.
4Details on any new product launches or market expansions.
5Comments on competitive pressures in the property and casualty insurance market.

See the full picture

AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.

No charge today · Auto-bills $8/mo after 7 days · Cancel anytime

More Earnings This Week

5 Reports

Jul27

KRCAMC

Kilroy Realty Corporation

PreviewView

Jul27

PIIAMC

Company Snapshot

The Hartford Insurance Group, Inc. (HIG) is a leading property and casualty insurance company that provides a range of insurance products and services....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and is closely watched by investors.

Expected to be around $3.29.

Revenue Growth

Revenue growth reflects the company's ability to expand its business and attract new customers.

Not available.

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

HIG Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

88%

Avg EPS Surprise

+11.48%

Avg Stock Reaction

+0.29%

Last Quarter Recap

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If HIG can exceed EPS expectations and demonstrate strong revenue growth, it could signal a recovery in profitability and investor confidence.

Bear Case

Conversely, if the company misses EPS estimates again or shows signs of declining revenue, it may lead to further investor skepticism and a drop in stock price.

Key Metrics to Watch

Earnings Per Share (EPS)

Expected to be around $3.29.

EPS is a key indicator of the company's profitability and is closely watched by investors.

Revenue Growth

Not available.

Revenue growth reflects the company's ability to expand its business and attract new customers.

Combined Ratio

Not available.

This metric measures the profitability of the insurance operations, with a lower ratio indicating better performance.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed $3.29?

A beat on EPS would indicate a strong recovery and could boost investor confidence after the last quarter's miss.

What is the outlook on revenue growth?

Understanding revenue trends is crucial for assessing the company's ability to grow and remain competitive in the market.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be overly cautious following the last quarter's miss, failing to recognize that HIG has a strong track record of beating EPS estimates.

Supporting Evidence

HIG has an 88% EPS beat rate over the last eight quarters, indicating a strong potential for positive surprises.

Options pricing suggests a larger move than historical averages, indicating that investors expect significant volatility.

The company's recent performance history shows a tendency to recover quickly from misses.

Key Risk

If the EPS comes in above $3.30, it could challenge the current cautious sentiment and shift investor expectations.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it follows a disappointing EPS report, and investors are keen to see if the company can regain momentum.

Bull Confirmed If

An EPS of $3.30 or higher would confirm the bull case and suggest a strong recovery in profitability.

Bear Confirmed If

An EPS below $3.00 would confirm the bear case and raise concerns about the company's financial health.

Pre-Earnings Positioning

Options Market

Implied Move

±9.83%

Historical Avg

±0.7%

Pricing rich

The options market is pricing in a significant potential move in either direction, suggesting that investors are anticipating volatility around the earnings announcement.

Options are pricing ±9.8% while HIG has averaged ±0.7% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.2%

30d HV

20.8%

Calls (42K)P/C Ratio: 0.49Puts (6K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter miss + options pricing rich in Financials

n=30

Fade rate: 11 of 30 (37%)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If HIG beats expectations, history suggests the stock could rise by around 0.17% on the day, confirming a positive trend.

In-Line / Cautious

If results are in line with expectations, the stock may experience a muted reaction as investors await further clarity from management.

Miss

If the company misses expectations again, history suggests a potential decline of around 1.09%, which could heighten investor concerns.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on the company's strategy for improving underwriting performance.
2Insights into claims trends and how they are impacting profitability.
3Management's outlook on market conditions and their impact on future growth.
4Details on any new product launches or market expansions.
5Comments on competitive pressures in the property and casualty insurance market.