Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
HIG delivered strong FY2025 results with revenue growing 6.9% to $28.4B and net income surging 23.3% to $3.8B, driven by disciplined underwriting and robust operating cash flow of $5.9B.
Revenue
$28.37B
+6.91% YoY
EPS (Diluted)
$13.32
+28.70% YoY
Source: SEC XBRL
Hartford Insurance Group (HIG) reported FY2025 revenue of $28.37B, up 6.9% year over year. Operating cash flow was $5.92B, up 0.2% year over year.
Last 4 quarters: 3 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 3.42 | 3.25 | Beat +5.1% |
| Mar 2026 | 3.09 | 3.44 | Miss -10.0% |
| Dec 2025This filing | 4.06 | 3.25 | Beat +25.0% |
| Sep 2025 | 3.78 | 3.25 | Beat +16.4% |
Reported EPS of $4.06 versus the $3.25 analyst consensus — a +25.0% beat for Dec 2025.
Compiled by AI from this SEC filing
HIG grew total revenue by 6.9% year-over-year to $28.4B in FY2025, up from $26.5B in the prior year, reflecting broad-based growth across its insurance operations and continued premium expansion.
Source: 10-K Income Statement (XBRL Financial Data)
Net income rose 23.3% to $3.8B from $3.1B in the prior year, with diluted EPS jumping 28.7% to $13.32, indicating meaningful operating leverage and improved profitability beyond top-line growth.
Source: 10-K Income Statement (XBRL Financial Data)
Operating cash flow remained robust at $5.9B in FY2025, essentially flat (+0.2%) versus the prior year, demonstrating the company's consistent ability to convert earnings into cash and fund operations and capital returns.
Source: 10-K Cash Flow Statement (XBRL Financial Data)
HIG returned $1.6B to shareholders through share buybacks in FY2025, up 6.7% from $1.5B in the prior year, reflecting management's confidence in the business and commitment to returning excess capital.
Source: 10-K Cash Flow Statement (XBRL Financial Data)
Stockholders' equity grew 15.4% to $19.0B, outpacing total liabilities growth of 4.0%, indicating that the company's net worth is expanding at a faster rate than its obligations, improving overall financial stability.
Source: 10-K Balance Sheet (XBRL Financial Data)
Compiled by AI from this SEC filing · 2 high, 3 medium, 0 low
HIG's debt-to-equity ratio stands at 3.53x, which is elevated and reflects the capital-intensive nature of the insurance business. While typical for insurers given policyholder liabilities, this level of leverage amplifies sensitivity to adverse loss developments or investment portfolio deterioration. A significant increase in claims or a sharp decline in asset values could pressure the balance sheet.
Source: 10-K Balance Sheet (XBRL Financial Data)
As a major property and casualty insurer, HIG is exposed to large-scale catastrophic events such as hurricanes, wildfires, and floods that could result in outsized claims. The frequency and severity of natural disasters have been increasing, which could materially impact underwriting results. Adverse reserve development from prior-year claims also poses a risk to reported earnings.
Source: 10-K Risk Factors (inferred from business model)
HIG holds a large investment portfolio to back its insurance liabilities, making it sensitive to interest rate movements and credit spread changes. Rising or volatile interest rates can affect the fair value of fixed-income holdings and impact investment income. A deterioration in credit quality of portfolio holdings could also lead to realized losses.
Source: 10-K Balance Sheet (XBRL Financial Data)
Selling, general, and administrative expenses grew 6.2% to $5.6B in FY2025, keeping pace with revenue growth and limiting margin expansion potential. Continued cost inflation in technology, talent, and distribution could erode profitability if premium growth decelerates. Management must sustain disciplined expense control to protect the net margin of 13.5%.
Source: 10-K Income Statement (XBRL Financial Data)
Insurance companies like HIG operate under extensive state and federal regulatory oversight, with requirements around reserve adequacy, capital levels, and rate approvals. Changes in regulatory frameworks or adverse litigation outcomes could impose additional costs or restrict business activities. Compliance failures could result in fines, penalties, or reputational damage.
Source: 10-K Risk Factors (inferred from business model)
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue $B | 28.37 $B | 26.54 $B | +6.91% |
Net Income $B | 3.84 $B | 3.11 $B | +23.30% |
EPS (Basic) $ | 13.51 $ | 10.51 $ | +28.54% |
EPS (Diluted) $ | 13.32 $ | 10.35 $ | +28.70% |
SG&A Expense $B | 5.58 $B | 5.26 $B | +6.20% |
Answers draw on this SEC filing and the data on this page
HIG delivered stronger Q2 FY2026 profitability, with revenue up 8.1% to $7.263B and net income up 30.5% to $1.298B, although much of the earnings increase reflected a $318M contribution from discontinued operations related to the planned Hartford Funds sale. Source: 10-Q Item 2 MD&A, p.60-61.
HIG delivered strong Q1 FY2026 results with revenue rising 6.1% YoY to $7.23B and net income surging 35.9% to $856M, driven by improved profitability and disciplined capital management.
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