Revenue Growth Momentum
HIG grew total revenue by 6.1% YoY to $7.23B in Q1 FY2026, compared to $6.81B in the prior-year period, reflecting broad-based business expansion across its insurance operations.
Source: 10-Q Financial Data, Income Statement
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 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.
Revenue
$7.23B
+6.11% YoY
EPS (Diluted)
$3.04
+41.40% YoY
Source: SEC XBRL
Hartford Insurance Group (HIG) reported Q1 FY2026 revenue of $7.23B, up 6.1% year over year. Operating cash flow was $1.04B, up 6.1% year over year. HIG's fiscal Q1 FY2026 corresponds to calendar Q1 2026.
Last 4 quarters: 3 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 3.42 | 3.25 | Beat +5.1% |
| Mar 2026This filing | 3.09 | 3.44 | Miss -10.0% |
| Dec 2025 | 4.06 | 3.25 | Beat +25.0% |
| Sep 2025 | 3.78 | 3.25 | Beat +16.4% |
Adjusted (non-GAAP) EPS of $3.09 versus the $3.44 analyst consensus — a -10.0% miss for Mar 2026. Analyst consensus is quoted on the adjusted (non-GAAP) basis the street uses. GAAP diluted EPS for this quarter was $3.04.
Compiled by AI from this SEC filing
HIG grew total revenue by 6.1% YoY to $7.23B in Q1 FY2026, compared to $6.81B in the prior-year period, reflecting broad-based business expansion across its insurance operations.
Source: 10-Q Financial Data, Income Statement
Net income jumped 35.9% YoY to $856M from $630M, with diluted EPS rising 41.4% to $3.04 from $2.15, indicating meaningful operating leverage and improved underwriting or investment performance.
Source: 10-Q Financial Data, Income Statement
Selling, General & Administrative expenses increased 7.0% YoY to $1.45B from $1.35B, growing slightly faster than revenue, which warrants monitoring for potential margin compression in future periods.
Source: 10-Q Financial Data, Income Statement
Operating cash flow grew 6.1% YoY to $1.05B from $985M, demonstrating solid cash generation capability consistent with the company's revenue growth rate.
Source: 10-Q Financial Data, Cash Flow Statement
HIG repurchased $450M in shares during Q1 FY2026, up 12.5% from $400M in the prior-year period, reflecting management's confidence in the business and commitment to returning capital to shareholders.
Source: 10-Q Financial Data, Cash Flow Statement
Compiled by AI from this SEC filing · 2 high, 2 medium, 1 low
HIG carries a debt-to-equity ratio of approximately 3.57, which is elevated and reflects the capital-intensive nature of insurance operations. While common in the insurance industry, this level of leverage amplifies sensitivity to adverse market or credit conditions. Any significant deterioration in investment portfolio values could pressure the balance sheet.
Source: 10-Q Financial Data, Balance Sheet & Key Ratios
SG&A expenses grew at 7.0% YoY versus revenue growth of 6.1%, indicating costs are rising slightly faster than the top line. If this trend persists, it could erode net margins over time. Management will need to demonstrate operating leverage to sustain current profitability levels.
Source: 10-Q Financial Data, Income Statement
Total liabilities of $67.43B represent approximately 78% of total assets of $86.32B, a structure typical for insurers but one that leaves limited buffer against unexpected claims surges or reserve strengthening. Any significant catastrophe events or reserve development could materially impact equity.
Source: 10-Q Financial Data, Balance Sheet
ROA of approximately 0.99% reflects the asset-heavy nature of HIG's insurance balance sheet, where large investment portfolios and policyholder reserves dominate total assets. Sustained low interest rates or investment losses could further compress this metric and reduce earnings power.
Source: 10-Q Financial Data, Key Ratios
Financing cash outflows increased 9.0% YoY to $663M, driven in part by higher share buybacks of $450M. While buybacks signal confidence, accelerating capital outflows reduce financial flexibility and could constrain the company's ability to respond to unexpected capital needs.
Source: 10-Q Financial Data, Cash Flow Statement
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue $B | 7.23 $B | 6.81 $B | +6.11% |
Net Income $M | 856.00 $M | 630.00 $M | +35.87% |
EPS (Basic) $ | 3.08 $ | 2.18 $ | +41.28% |
EPS (Diluted) $ | 3.04 $ | 2.15 $ | +41.40% |
SG&A Expense $B | 1.45 $B | 1.35 $B | +7.03% |
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 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.
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