Hartford Insurance (HIG)
NYSE:HIG
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Earnings Data
Report Date
Jul 23, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
3.32Last Year’s EPS
3.41Same Quarter Last Year
Moderate Buy
Based on 14 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized broad, consistent operational and financial strength—strong core earnings ($866M), high trailing ROE (20.3%), solid Business Insurance growth and underwriting margins, robust investment income, strong capital actions (share repurchases) and notable benefits sales momentum. Offsetting items include deteriorating auto volumes and short-term pressure in direct auto growth, elevated catastrophe and freeze losses affecting small business, a $70 million reserve increase for legacy GL exposures, some weakness in disability trends, and near-term expense and workers' compensation headwinds. On balance, the positives (profitability, disciplined underwriting, investment income, capital returns and sales execution) outweigh the noted challenges, though management remains cautious on competitive dynamics and select line pressures.Company Guidance
Strong Core Earnings and ROE
Core earnings of $866 million ($3.09 per diluted share) and trailing 12-month core earnings ROE of 20.3%, demonstrating strong profitability and shareholder returns.
Business Insurance Growth and Profitability
Business Insurance written premium growth of 6% with an underlying combined ratio of 89.2%; small business written premium growth of 8% with an underlying combined ratio of 89.4%; Middle & Large growth of 5% (combined ratio 91.3%).
Global Specialty and Global Re Performance
Global Specialty underlying combined ratio in the mid-80s and written premium growth of 3%; Global Re delivered premium growth of 11%, contributing to attractive risk-adjusted returns.
Personal Insurance Underwriting Improvement
Personal Insurance underlying combined ratio improved 4.7 points year-over-year to 85%; home premium growth of 4% and renewal written pricing increases of 11.8% for home and 6.8% for auto; agency channel growth of 9%.
Employee Benefits Strength and Sales Momentum
Employee Benefits core earnings margin of 6.9% and core earnings of $127 million; fully insured premium increased 3% and persistency remained in the low 90s; sales grew materially (reported ~53% increase; ~40% ex new state programs) with double-digit quote activity.
Investment Income and Portfolio Yield
Net investment income of $739 million, up $83 million year-over-year; total annualized portfolio yield (ex limited partnerships) 4.5% before tax, up 10 basis points year-over-year; limited partnership returns annualized at 5.1%.
Capital Deployment and Balance Sheet Flexibility
Holding company resources of $1.8 billion at quarter end; repurchased 3.3 million shares for $450 million in Q1 with $1.1 billion remaining on authorization; expect continued repurchases at similar level in Q2.
Underwriting Discipline and Pricing Execution
Renewal written pricing in Business Insurance (ex workers' comp) remained ~6%; GL pricing increased to 9.7%; small ex-comp pricing ~7.2% and Middle Market ex-comp ~5.3%; firm emphasis on disciplined underwriting and selective growth.
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 |
|---|---|---|---|
Apr 23, 2026 | $139.61 | $134.45 | -3.70% |
Jan 29, 2026 | $131.81 | $134.48 | +2.03% |
Oct 27, 2025 | $123.89 | $121.63 | -1.82% |
Jul 28, 2025 | $119.72 | $123.08 | +2.80% |
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 Jul 23, 2026, After Close (Confirmed).
What is Hartford Insurance (HIG) earnings time?
Hartford Insurance (HIG) earnings time is at Jul 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 (Q2) is 3.32.