Roiver Score™ for
HIGThe Hartford Insurance Group, Inc.
Based on the annual report for the fiscal year ended December 31, 2025.
The Hartford Insurance Group, Inc. (HIG) scores 59/100 (Solid) on the Roiver Score, a transparent quality composite, based on its annual report for the fiscal year ended December 31, 2025. Its strongest area is profitability; its weakest is cash generation. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). Banks, insurers and REITs are scored on measures suited to them. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about HIG
What is HIG's Roiver Score?
The Hartford Insurance Group, Inc. scores 59 out of 100 (Solid). Based on the annual report for the fiscal year ended December 31, 2025.
How is the Roiver Score for HIG calculated?
It combines profitability, capital strength, cash generation, valuation and stability into a transparent 0–100 composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). The Hartford Insurance Group, Inc. is scored with the property & casualty insurer model: This score uses measures suited to property & casualty insurers in place of the standard five, because ratios like debt-to-equity mean something different for them. The full methodology is published.
Is HIG a good quality stock?
On quality, HIG rates "Solid" (59/100). Its strongest driver is profitability and its weakest is cash generation. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.