The Hartford's earnings call highlights strong performance across various segments with record core earnings, significant growth in Business and Personal Insurance, and robust results in Global Specialty and Employee Benefits. Despite minor challenges such as flat premium growth in Employee Benefits and pricing pressure in specific property markets, the overall sentiment is positive due to the company's strategic execution and market positioning.

Company Guidance -

Q3 2025

During The Hartford Insurance Group's second-quarter 2025 earnings call, the company reported impressive financial metrics, underscoring its robust performance. Core earnings reached nearly $1 billion, with a trailing 12-month core earnings return on equity (ROE) of 17%. Business Insurance experienced top-line growth of 8%, achieving an underlying combined ratio of 88. Personal Insurance also demonstrated strength, with an underlying combined ratio of 88 and a 9.7-point improvement in auto results. Meanwhile, Employee Benefits boasted an exceptional core earnings margin of 9.2%. Notably, Global Specialty achieved record quarterly gross written premiums of $1.3 billion, showcasing sustained underlying margins in the mid-80s. The company highlighted strategic investments in AI and technology, which have driven growth and efficiency, allowing 75% of quotes to be bound within minutes. Additionally, The Hartford projected a clear trajectory to exceed $6 billion in annual written premium for Small Business in 2025. Overall, the call emphasized The Hartford's strategic focus on innovation, market expansion, and maintaining strong margins across its diverse insurance segments.

Record Core Earnings

The Hartford reported outstanding core earnings of $981 million, reflecting the effectiveness of strategy and execution, with a trailing 12-month core earnings ROE of 17%.

Strong Business Insurance Growth

Business Insurance experienced top line growth of 8% with an underlying combined ratio of 88. Small Business achieved record-breaking net new business premium, with a 35% increase in E&S binding premium.

Personal Insurance Improvement

Personal Insurance improved significantly with an underlying combined ratio of 88 and 17% written premium growth in homeowners. Auto results improved by 9.7 points to a mid-90s underlying combined ratio.

Global Specialty and Reinsurance Success

Global Specialty achieved record quarterly gross written premium of $1.3 billion with growth in casualty, auto, and inland marine. The Global Reinsurance business grew gross written premium by 15%.

Exceptional Employee Benefits Results

Employee Benefits achieved a core earnings margin of 9.2%, driven by excellent life and disability results with persistency remaining strong in the low 90s.

Investment Income Growth

Net investment income increased due to a higher level of invested assets and reinvesting at higher interest rates, with a total annualized portfolio yield of 4.6% before tax.

Hartford Financial (HIG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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HIG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	2.90 / -	2.53	―	―	―
Jul 28, 2025	2025 (Q2)	2.83 / 3.41	2.5	36.40% (+0.91)
Apr 24, 2025	2025 (Q1)	2.15 / 2.20	2.34	-5.98% (-0.14)
Jan 30, 2025	2024 (Q4)	2.64 / 2.94	3.06	-3.92% (-0.12)
Oct 24, 2024	2024 (Q3)	2.54 / 2.53	2.29	10.48% (+0.24)
Jul 25, 2024	2024 (Q2)	2.24 / 2.50	1.88	32.98% (+0.62)
Apr 25, 2024	2024 (Q1)	2.46 / 2.34	1.68	39.29% (+0.66)
Feb 01, 2024	2023 (Q4)	2.45 / 3.06	2.31	32.47% (+0.75)
Oct 26, 2023	2023 (Q3)	1.98 / 2.29	1.44	59.03% (+0.85)
Jul 27, 2023	2023 (Q2)	1.83 / 1.88	2.15	-12.56% (-0.27)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HIG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$121.24	$124.64	+2.80%
Apr 24, 2025	$118.76	$118.28	-0.40%
Jan 30, 2025	$113.30	$110.61	-2.37%
Oct 24, 2024	$118.95	$110.85	-6.81%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Hartford Financial Services Group (HIG) report earnings?

Hartford Financial Services Group (HIG) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Hartford Financial Services Group (HIG) earnings time?

Hartford Financial Services Group (HIG) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is HIG EPS forecast?

HIG EPS forecast for the fiscal quarter 2025 (Q3) is 2.9.

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