HIGHARTFORD INSURANCE GROUP, INC.
Fire, Marine & Casualty Insurance
- Revenue
- $1.5B
- 3.3% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $4.2B net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear154% of net incomeCash flow under 80% of net income
- Dilutive SBCClear9% of revenueOver 10% of revenue
- Payouts exceed cash flowClear37% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $1.6B | $1.4B | $1.4B | $1.5B | $1.5B | 3.3% |
| Net income | $2.4B | $1.8B | $2.5B | $3.1B | $3.8B | 23% |
| Operating cash flow | $4.1B | $4.0B | $4.2B | $5.9B | $5.9B | 0.2% |
| Capex | $133M | $175M | $215M | $145M | $169M | 17% |
| Stock-based comp | $128M | $131M | $125M | $133M | $141M | 6.0% |
| Buybacks | $1.7B | $1.6B | $1.4B | $1.5B | $1.6B | 6.7% |
| Dividends | $485M | $506M | $528M | $556M | $592M | 6.5% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $7M · 3
- Net
- −$7M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $22M | $48M | 312 | 210 |
| FY2024 | $19M | $49M | 244 | 202 |
| FY2023 | $16M | $12M | 176 | 159 |
| FY2022 | $16M | $27M | 162 | 146 |
| FY2021 | $16M | $39M | 144 | 132 |