Hartford Financial Services Group Inc
NYSE:HIG

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Hartford Financial Services Group Inc Logo
Hartford Financial Services Group Inc
NYSE:HIG
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Price: 136.93 USD -0.6% Market Closed
Market Cap: 38.2B USD

Hartford Financial Services Group Inc
Investor Relations

Hartford Financial Services Group Inc., known simply as The Hartford, has a storied history that stretches back to 1810, embodying a legacy of resilience and adaptability. Initially established to address fire insurance needs, The Hartford grew through the centuries by navigating the evolving landscape of risk management and insurance. Today, it stands as a diversified provider of property and casualty insurance products, group benefits, and mutual funds. The company's operations are spearheaded through its primary segments: Commercial Lines, Personal Lines, and Hartford Funds. This assortment of services enables it to cater to a broad customer base, ranging from individual policyholders seeking personal insurance to large businesses requiring sophisticated risk management solutions.

The Hartford generates its revenue primarily through the premiums collected on its various insurance products, investment earnings on its financial assets, and fees associated with managing funds. The crucial artistry in its operations lies in its ability to price insurance policies in a way that anticipates future claims while investing premiums prudently to maximize returns. Furthermore, The Hartford’s expansion into employee benefits and mutual funds has diversified its income streams, offering innovative solutions tailored to modern-day risks and everything from health and wellness initiatives for employees to tailored financial products for retail investors. In essence, The Hartford thrives on a meticulous balance of foresight in financial underwriting, strategic investments, and a customer-centric approach that sustains its longstanding reputation in the financial services industry.

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Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Oct 28, 2025
AI Summary
Q3 2025

Record Core Earnings: The Hartford posted record core earnings of $1.1 billion, or $3.78 per diluted share, in Q3 2025.

Strong Top-Line Growth: Business Insurance written premiums grew 9%, with small business up 11% and middle/large business up 10%.

Disciplined Underwriting: Underlying combined ratios remained strong across key segments; Business Insurance at 89.4%, Personal Insurance at 90%, and Employee Benefits margin at 8.3%.

Pricing Above Loss Trends: Renewal written pricing in Business Insurance (excluding workers' comp) was 7.3%, staying ahead of loss trends, with especially strong results in property and liability lines.

Dividend Increase: The company raised its quarterly dividend by 15%, reflecting earnings strength and capital generation.

Share Repurchases: 3.1 million shares were repurchased for $400 million in the quarter, with $1.95 billion remaining on the buyback authorization.

Stable Outlook: Management remains confident about sustaining strong returns and margins, supported by investments in technology and digital capabilities.

Key Financials
Core Earnings
$1.1 billion
EPS (Core)
$3.78
Trailing 12-Month Core Earnings ROE
18.4%
Business Insurance Written Premium Growth
9%
Business Insurance Underlying Combined Ratio
89.4%
Small Business Written Premium Growth
11%
Small Business Underlying Combined Ratio
89.8%
Middle and Large Business Written Premium Growth
10%
Middle and Large Business Underlying Combined Ratio
91.4%
Global Specialty Written Premium Growth
5%
Global Specialty Underlying Combined Ratio
85.8%
Personal Insurance Core Earnings
$143 million
Personal Insurance Underlying Combined Ratio
90%
Homeowners Underlying Combined Ratio
74.4%
Auto Underlying Combined Ratio
mid-90s
Personal Insurance Written Premium Growth
2%
Employee Benefits Core Earnings
$149 million
Employee Benefits Core Earnings Margin
8.3%
Group Life Loss Ratio
74.2%
Group Disability Loss Ratio
70.6%
Net Investment Income
$759 million
Portfolio Yield (Ex-LP)
4.6% before tax
Annualized LP Returns
6.7% before tax
Quarterly Dividend
$0.60 per share
Share Repurchases
3.1 million shares for $400 million
Share Repurchase Authorization Remaining
$1.95 billion
Holding Company Resources
$1.3 billion at quarter end
Business Insurance Expense Ratio
31.1%
Personal Insurance Expense Ratio
25.8%
Employee Benefits Expense Ratio
26.7%
P&C Catastrophe Losses (Current Accident Year, Pre-tax)
$70 million
Earnings Call Recording
Other Earnings Calls

Management

Ms. Amy Marie Stepnowski
Executive VP & Chief Investment Officer
No Bio Available
Ms. Deepa Soni
Executive VP, Head of Technology, Data, Analytics & Information Security and Chief Inf. Officer
No Bio Available
Mr. Allison Gayle Niderno
Senior VP, Controller & Principal Accounting Officer
No Bio Available
Ms. Susan Spivak Bernstein
Senior Vice President of Investor Relations
No Bio Available
Ms. Claire H. Burns
Chief Marketing & Communications Officer
No Bio Available
Ms. Lori A. Rodden
Executive VP & Chief Human Resources Officer
No Bio Available
Mr. Robert William Paiano
Executive VP & Chief Risk Officer
No Bio Available
Mr. Jonathan Ross Bennett CPA
Executive Officer
No Bio Available
Mr. Adin Morris Tooker
Head of Commercial Lines
No Bio Available
Ms. Melinda Thompson
Head of Personal Lines
No Bio Available

Contacts

Address
CONNECTICUT
Hartford
1 Hartford Plz
Contacts
+18605475000.0
www.thehartford.com