The Hartford Financial Services Group, Inc. Earnings Recaps
Q3 2026
Oct 30, 2026
The stock fell 1.8%, a roughly flat reaction. The quarter showed solid profitability, but results were mixed: middle and large business insurance had a 99.5 underlying combined ratio, reflecting higher non-cat property and workers’ compensation loss ratios, while competitive pressure weighed on personal insurance premium growth.
Key takeaways
- Core earnings were $956 million; trailing-12-month core earnings ROE was 17.9%.
- Business insurance written premiums grew 6%, with a 90.1 underlying combined ratio. Small business premiums rose 7% and its underlying combined ratio was 85.2.
- Middle and large business insurance premiums grew 3%; its 99.5 underlying combined ratio reflected higher non-cat property and workers’ compensation loss ratios. National accounts premiums were lower.
- Personal insurance’s underlying combined ratio improved 2.9 points year over year to 87.1, but intense competition in auto weighed on overall premium growth.
- Business insurance renewal written pricing declined 40 basis points to 5.3%, excluding workers’ compensation; overall renewal written pricing was 4%.
Q3 2025
Oct 28, 2025
The Hartford Insurance Group achieved record core earnings of $1.1 billion in Q3 2025, reflecting strong premium growth and disciplined underwriting practices across its segments.
Key takeaways
- Core earnings reached $3.78 per diluted share, driven by solid performance in Business Insurance with 9% written premium growth and an underlying combined ratio of 89.4%.
- Personal Insurance saw a 10% growth in homeowners' premiums, coupled with a 3.6-point improvement in auto underlying combined ratios.
- Employee Benefits posted an impressive core earnings margin of 8.3%, contributing to a 12-month core earnings return on equity (ROE) of 18.4%.
- Strategic pricing execution across Business Insurance resulted in renewal written pricing increases averaging 7.3%, supporting sustained profitability in a competitive market.
- The launch of "Prevail" enhances the product offering for retail distribution, with plans for expanded rollout to 30 states by early 2027.
Q2 2025
Aug 2, 2025
The Hartford Insurance Group reported exceptional second quarter results with core earnings nearing $1 billion, demonstrating robust growth across its segments and successful market strategy execution.
Key takeaways
- Core earnings reached nearly $1 billion, contributing to a trailing 12-month core earnings ROE of 17%.
- Business Insurance experienced an 8% top-line growth with an underlying combined ratio of 88, driven by strong performance in auto and package products.
- Personal Insurance saw significant improvement, with a 17% increase in homeowners' written premiums and a low 70s underlying combined ratio.
- Global Specialty achieved record gross written premiums of $1.3 billion, leveraging a diverse portfolio and disciplined pricing strategies.
- Continued strategic investments in technology and AI are enhancing underwriting efficiency and competitive advantages across various segments.