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The Hartford Insurance Group
The Hartford Insurance Group (HIG) investor relations material
The Hartford Insurance Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Achieved core earnings of $3.8 billion for 2025, up 25% year-over-year, with core EPS of $13.42, a 30% increase from 2024, and core earnings ROE of 19.4%.
Net income rose 23% to $3.8 billion, with net income ROE at 22.0%.
Delivered outstanding Q4 and full-year results, with strong performance across all business segments and continued execution of innovation and technology strategies.
Returned $2.2 billion to stockholders in 2025, including $1.6 billion in share repurchases and $592 million in dividends.
Investments in AI and digital platforms are driving operational efficiencies and improved customer experiences.
Financial highlights
Q4 2025 core earnings were $1.1 billion ($4.06 per diluted share), up 33% year-over-year.
Book value per diluted share (excluding AOCI) was $73.62 at year-end, up 13% from prior year.
Net investment income for Q4 was $832 million, up 17% year-over-year; full year net investment income was $2.9 billion, up 13%.
Core earnings ROE for 2025 was 19.4%, up from 16.7% in 2024.
Returned $546 million to stockholders in Q4, including $400 million in share repurchases.
Outlook and guidance
Management expects continued growth in business insurance, especially in SME and property, with property premiums targeted to grow 10-11% in 2026.
Net investment income projected to increase in 2026, supported by higher invested assets and improved limited partnership returns.
Quarterly share repurchases to increase to $450 million, with $1.55 billion authorization through 2026.
Personal insurance aims for policy count growth in agency channel, with pricing increases moderating in 2026.
For 2026, expects net P&C dividends of $2.2 billion, Employee Benefits dividends of $580 million, and Hartford Funds dividends of $170 million.
A&E reserve increase drivers
Personal Auto/Home policy count trends
Hartford Funds Q4 net outflow drivers
Assess AI's potential to drive P&C consolidation
BI margin/growth strategy in softening property
How will PI grow agency channel in 2026?
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Frequently asked questions
Over 200 Years of Insurance
Hartford Financial Services Group, Inc., most commonly referred to as The Hartford is a prominent investment and insurance company. Founded in 1810, it is one of the oldest and largest property and insurance companies in the United States. The Hartford offers a broad range of financial products and services, which includes property and casualty insurance, group benefits, and mutual funds. The company also offers popular business and workers' compensation insurance. The Hartford is closely associated with Hartford, Connecticut, where the headquarters are located, and its shares are listed on the NYSE.
Fire Insurance and Abraham Lincoln
The Hartford, a United States-based investment and insurance company, has a rich history dating back to its founding in 1810. Originally established as a fire and disaster insurance provider, the company managed to survive some of the largest peacetime catastrophes in U.S history, including the fire in the New York financial district in 1835, as well as the great Chicago Fire, and the 1906 earthquake and subsequent fires that struck San Francisco. An interesting piece of The Hartford's long history issuance of a policy to President Abraham Lincoln in 1861, marking the first use of Hartford's iconic stag logo. The logo, depicting a male deer standing in front of a stream is a motive still in use by the company. The company has managed to survive and grow into the modern era while expanding its services far beyond just fire insurance.
Insurance
The company offers a wide array of insurance products for both personal and commercial clients. For individual customers, its portfolio includes auto and homeowners insurance, which protects against things such as accidents, theft, and natural disasters. It also offers life insurance and disability coverage, ensuring financial security for families in unexpected circumstances. For businesses, the portfolio of services includes commercial insurance options like general liability, workers' compensation, and commercial property insurance. The Hartford’s insurance offerings directly compete with what is offered by companies such as Allstate Corporation, Chubb, MetLife, and similar corporations.
Mutual Funds
The Hartford's mutual funds segment offers a range of investment options to both individual and institutional investors. These funds encompass various asset classes, including stocks, bonds, and money market instruments, catering to different risk tolerances and investment goals. The company's mutual fund offerings are designed to suit various investment strategies, from conservative to aggressive, ensuring that all potential investors will find a fund that suits their own personal finance goals.
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