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Hartford Insurance (HIG)
NYSE:HIG
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
3.38Last Year’s EPS
2.2Same Quarter Last Year
Moderate Buy
Based on 15 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a predominantly positive outlook: strong full-year and quarterly core earnings, high ROE, continued top-line growth in Business Insurance (notably small business and ENS binding), significant investment and early payoffs from technology/AI, solid investment income, and an active capital return program. Headwinds are present but manageable — increases in asbestos/environmental reserves, moderation in property pricing, rising disability loss trends, and higher expense ratios due to strategic investments. Management emphasizes disciplined underwriting, margin focus, and confidence in taking market share, suggesting the positives materially outweigh the negatives.Company Guidance
Strong Full-Year Core Earnings and ROE
Core earnings of $3.8 billion for 2025 with core earnings ROE of 19.4%, reflecting strong enterprise profitability and return on equity.
Robust Q4 Core Earnings and EPS
Fourth quarter core earnings of $1.1 billion, or $4.60 per diluted share, demonstrating continued quarterly profitability.
Business Insurance Top-Line Growth and Margin
Business Insurance delivered top-line growth (8% cited; business-insurance written premium growth 7% per CFO commentary) with an excellent underlying combined ratio near the high-80s (88.5 reported; 88.1 per CFO), indicating disciplined underwriting and healthy margins.
Small Business Outperformance
Small business written premium of ~$6 billion with strong growth (9% YoY) and best-in-class underlying combined ratios (87.3 per CFO; 88.9 cited), plus Kinova ranking The Hartford #1 for small business digital capabilities with a double-digit lead in all categories.
Personal Insurance Profitability and Pricing
Personal insurance achieved targeted auto profitability and strong homeowners results; underlying combined ratio 84.3 with written pricing increases of +10.4% (auto) and +11.9% (home). Agency premium grew 15% YoY.
Employee Benefits Strong Margins and Growth Opportunity
Employee benefits reported an impressive core earnings margin (8.2% for the year in CEO remarks; Q4 core earnings margin 7.6% with core earnings $138 million). Continued product and technology investments and meaningful quote activity in 2026 support growth opportunities, particularly in sub-500 lives.
Investment Income and LP Returns
Net investment income of $832 million in Q4, up $118 million (+17%) YoY; annualized portfolio yield ex-limited partnerships 4.6% and Q4 annualized limited partnership returns 11.4%, supporting higher expected investment income in 2026.
Capital Deployment and Share Repurchases
Holding company resources of $1.5 billion; expected net dividends from operating companies of ~$2.9 billion in 2026 (a ~16% increase). Repurchased ~3 million shares for $400 million in the quarter and plan to increase quarterly repurchases to $450 million beginning Q1, with $1.55 billion remaining authorization through 12/31/2026.
Catastrophe Program Enhancements
Catastrophe results were manageable (PNC cats benefit $1 million in Q4; full-year CATs 4.2%), renewed per-occurrence and aggregate reinsurance with favorable terms and added a catastrophe bond increasing peak-peril program to $1.9 billion, enhancing capital stability for property growth.
Technology and AI-First Transformation
Completed foundational modernization (data, cloud, platforms) and moved to AI-first investments across claims, underwriting, and operations. Early positive outcomes include improved medical record summarization in claims, enhanced underwriting precision, and improved contact center interactions.
Prevail Platform Expansion
Prevail agency live in 10 states with ~30 state launches planned by early 2027; Prevail is the chassis for all new personal lines business, supporting long-term growth and modernization of distribution.
Global Specialty and Middle/Large Business Growth
Global Specialty achieved written premium growth of 5% with an underlying combined ratio ~87.6 and Global Specialty margins in the low-to-mid 80s; middle & large posted 5% written premium growth with an underlying combined ratio ~89.4, reflecting solid growth and disciplined underwriting.
HIG Earnings History
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 |
|---|---|---|---|
Jan 29, 2026 | $132.37 | $135.06 | +2.03% |
Oct 27, 2025 | $124.42 | $122.15 | -1.82% |
Jul 28, 2025 | $120.23 | $123.61 | +2.80% |
Apr 24, 2025 | $117.78 | $117.30 | -0.40% |
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 Insurance (HIG) report earnings?
Hartford Insurance (HIG) is schdueled to report earning on Apr 23, 2026, After Close (Confirmed).
What is Hartford Insurance (HIG) earnings time?
Hartford Insurance (HIG) earnings time is at Apr 23, 2026, 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 2026 (Q1) is 3.38.