Earnings summaries and quarterly performance for HARTFORD INSURANCE GROUP.
Executive leadership at HARTFORD INSURANCE GROUP.
Board of directors at HARTFORD INSURANCE GROUP.
AR
Annette Rippert
Detailed
Director
CD
Carlos Dominguez
Detailed
Director
DJ
Donna James
Detailed
Director
KW
Kathleen Winters
Detailed
Director
LD
Larry De Shon
Detailed
Director
MW
Matthew Winter
Detailed
Director
TR
Teresa Roseborough
Detailed
Director
TB
Thomas Bartlett
Detailed
Director
TF
Trevor Fetter
Detailed
Lead Independent Director
VR
Virginia Ruesterholz
Detailed
Director
Research analysts who have asked questions during HARTFORD INSURANCE GROUP earnings calls.
AK
Andrew Kligerman
TD Cowen
6 questions for HIG
Also covers: ABL, ACGL, AJG +21 more
Brian Meredith
UBS
6 questions for HIG
Also covers: ACGL, AIG, AIZ +17 more
EG
Elyse Greenspan
Wells Fargo
6 questions for HIG
Also covers: ACGL, AFL, AHL +30 more
David Motemaden
Evercore ISI
4 questions for HIG
Also covers: ACGL, AJG, ALL +16 more
Alex Scott
Barclays PLC
3 questions for HIG
Also covers: ACGL, AFL, AIG +29 more
CG
C. Gregory Peters
Raymond James
3 questions for HIG
Also covers: ACIC, AFG, AJG +19 more
JH
Jian Huang
Morgan Stanley
3 questions for HIG
Also covers: AIZ, ALL, BOW +10 more
Joshua Shanker
Bank of America Merrill Lynch
3 questions for HIG
Also covers: ACGL, AFL, ALL +13 more
Michael Zaremski
BMO Capital Markets
3 questions for HIG
Also covers: ACGL, AFG, AIG +25 more
Ryan Tunis
Cantor Fitzgerald
3 questions for HIG
Also covers: ACGL, AJG, CB +8 more
CP
Charles Peters
Raymond James
2 questions for HIG
Also covers: ACIC, AFG, AJG +11 more
Meyer Shields
Keefe, Bruyette & Woods
2 questions for HIG
Also covers: ACGL, AFG, AIG +24 more
Mike Zaremski
BMO Capital Markets
2 questions for HIG
Also covers: ACGL, AJG, ALL +7 more
RC
Rob Cox
Goldman Sachs
2 questions for HIG
Also covers: ACGL, AJG, BRO +4 more
RC
Robert Cox
The Goldman Sachs Group, Inc.
2 questions for HIG
Also covers: AHL, AIG, AJG +12 more
TS
Taylor Scott
BofA Securities
2 questions for HIG
Also covers: ACGL, AFL, AJG +12 more
PN
Paul Newsome
Piper Sandler Companies
1 question for HIG
Also covers: AHL, AII, ARX +15 more
WC
Wesley Carmichael
Autonomous Research
1 question for HIG
Also covers: ACGL, AFL, BHF +16 more
Recent press releases and 8-K filings for HIG.
The Hartford highlights 2025 performance and outlines 2026 priorities
HIG
Guidance Update
New Projects/Investments
- Generated 18.4% core earnings ROE on a trailing-12-month basis and maintained an 88.6 underlying combined ratio in business insurance, underscoring disciplined underwriting and strong profitability.
- Plans to sustain high-teens ROE with growth across SME commercial (including $3.3 billion in property exposure), group benefits delivering 8–9% returns, and personal lines expansion via Prevail rollout in 30 states by early 2027.
- Committed $1.3 billion to technology in 2025 and pursuing an AI-first three-year roadmap targeting claims, underwriting, and operations to drive efficiency and digital capabilities.
- Capital strategy remains consistent: fund growth and tech investments, maintain a growing dividend, execute share buybacks, preserve AA ratings, and keep M&A as a low priority.
Dec 9, 2025, 1:40 PM
Hartford outlines strong ROE and strategic priorities
HIG
Guidance Update
- Hartford generated a 18.4% core earnings ROE on a trailing-12-month basis and expects this performance to be sustainable into 2026.
- Business insurance underwriting remains robust with an 88.6% underlying combined ratio YTD and management expects to continue outperforming this benchmark.
- The investment portfolio yield is projected to be in line with 2025 levels for 2026, with alternative investments (limited partnerships) returning 7–9%, driving higher overall portfolio yield.
- Small commercial grew 10% in 2025, leveraging technology to process 75% of admitted lines without human touch (targeting 90%), enhancing underwriting speed and accuracy.
- Personal lines margins have reached targets; modest PIF count growth is expected, led by homeowners, while the Prevail agency platform is rolling out to 30 states by early 2027.
Dec 9, 2025, 1:40 PM
The Hartford outlines strong ROE, growth and tech investments at GS Financials Conference
HIG
Dividends
Share Buyback
New Projects/Investments
- 18.4% core earnings ROE on a trailing 12-month basis, driven by SME focus and robust margins, with management viewing this level as sustainable into 2026
- Underlying combined ratio of 88.6 targeted in business insurance, with confidence in outperforming through disciplined pricing across property, workers’ comp and specialty lines
- $1.3 billion technology budget (including $500 million in AI and cloud initiatives) aimed at processing 75% of admitted lines without human touch, enhancing underwriting, claims and operational efficiency
- Prudent capital deployment with a 15% dividend increase, ongoing share repurchases and recent AA/AA- financial strength upgrades, while prioritizing growth funding and technology investment
Dec 9, 2025, 1:40 PM
The Hartford announces Q3 2025 results
HIG
Earnings
Dividends
Share Buyback
- The Hartford reported Q3 core earnings of $1,077 million ($3.78/share) and a trailing twelve-month ROE of 18.4%.
- Business Insurance delivered 9% written premium growth (small business +11%, middle/large +10%) with an underlying combined ratio of 89.4.
- Personal Insurance core earnings were $143 million with an underlying combined ratio of 90, homeowners ratio of 74.4, auto results improved by 3.6 points, and written premiums grew 2%.
- The quarterly dividend was increased 15% to $0.60, and 3.1 million shares were repurchased for $400 million, leaving $1.95 billion in buyback authorization.
- Net investment income totaled $759 million, portfolio yield was 4.6%, limited partnership returns were 6.7%, and both S&P and Moody’s upgraded the company’s ratings.
Oct 28, 2025, 1:00 PM
The Hartford reports Q3 2025 results
HIG
Earnings
Dividends
Share Buyback
- Delivered record $1.1 billion core earnings ( $3.78 per diluted share) with a 18.4% trailing twelve-month ROE.
- Business Insurance posted 9% written premium growth with an 89.4% underlying combined ratio.
- Personal Insurance improved to a 90% underlying combined ratio, achieving 11.3% auto and 12.6% homeowners renewal pricing increases.
- Employee Benefits generated $149 million core earnings with an 8.3% core earnings margin.
- Capital management actions included a 15% dividend increase to $0.60 per share and $400 million of share repurchases in the quarter.
Oct 28, 2025, 1:00 PM
The Hartford reports Q3 2025 earnings
HIG
Earnings
Dividends
Share Buyback
- Core earnings of $1.1 billion or $3.78 per diluted share, both quarterly records, with a trailing-twelve-month ROE of 18.4%.
- Business insurance written premiums grew 9% (small business +11%, middle/large +10%, Global Specialty +5%) with an underlying combined ratio of 89.4.
- Personal insurance written premiums rose 2% with an underlying combined ratio of 90; Prevail rollout now live in six states.
- Dividend increased 15% to $0.60 per share and $400 million of shares repurchased in Q3, with $1.95 billion remaining on buyback authorization.
Oct 28, 2025, 1:00 PM
The Hartford reports Q3 2025 results
HIG
Earnings
Dividends
Share Buyback
- Record core earnings of $1.1 billion and EPS of $3.78, up 43% YoY; trailing 12-month core earnings ROE of 18.4%.
- P&C net written premiums grew 7% YoY to $4.6 billion, led by 9% growth in Business Insurance; combined ratios were 88.8% for Business Insurance and 88.7% for Personal Insurance.
- Net investment income rose to $759 million, with ~95% of the credit portfolio investment grade and an average A+ rating.
- Returned $547 million to shareholders in 3Q25, including $400 million in share repurchases and $147 million in dividends; quarterly dividend increased 15%.
Oct 28, 2025, 1:00 PM
Hartford announces record Q3 2025 earnings
HIG
Earnings
Dividends
Share Buyback
- Record third quarter 2025 net income available to common stockholders of $1.1 billion ( $3.77 per diluted share), up 41% year-over-year.
- Record core earnings of $1.1 billion ( $3.78 core earnings per diluted share), up 43% year-over-year.
- Trailing 12-month returns on equity of 20.3% for net income and 18.4% for core earnings.
- Property & Casualty written premiums rose 7%, led by 9% Business Insurance growth; Business Insurance combined ratio of 88.8 (underlying 89.4) and Personal Insurance combined ratio of 88.7 (underlying 90.0).
- Returned $547 million to shareholders in Q3—$400 million in share repurchases and $147 million in dividends—and increased the quarterly dividend by 15% to $0.60 per share.
Oct 27, 2025, 8:06 PM
Hartford Insurance Group amends $750 M credit facility
HIG
Debt Issuance
- On September 24, 2025, The Hartford Insurance Group entered into a Second Amended and Restated Credit Agreement with Bank of America, JPMorgan Chase, Citibank, U.S. Bank, Wells Fargo and other lenders.
- The facility provides $750 million of revolving loans and letters of credit (with a $100 million sublimit), allows an optional increase of up to $500 million, and matures on September 24, 2030.
- Subsidiaries’ obligations under the facility are unconditionally guaranteed, with covenants requiring a minimum consolidated net worth of $12.7 billion and a total debt to capitalization cap of 35%.
Sep 25, 2025, 8:18 PM
Hartford announces Q2 2025 results
HIG
Earnings
Share Buyback
Dividends
- Net income available to common stockholders of $990 million ($3.44 per diluted share), up 35% year-over-year; core earnings of $981 million ($3.41 per diluted share), up 31% ( ).
- Property & Casualty written premiums rose 8%, driven by Business Insurance (8%) and Personal Insurance (7%); Business Insurance combined ratio was 87.0 (underlying 88.0) and Personal Insurance combined ratio was 94.1 (underlying 88.0) ( ).
- Net income ROE of 19.8% and core earnings ROE of 17.0% on a trailing 12-month basis ( ).
- Returned $549 million to shareholders in the quarter, including $400 million of share repurchases and $149 million in dividends ( ).
Jul 28, 2025, 12:00 AM
Quarterly earnings call transcripts for HARTFORD INSURANCE GROUP.
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