Hartford Financial Services

HIG

Market cap $38.2B

Hartford's Q3 earnings rise 49% YoY as strong Personal Insurance and investment income fuel a solid top- and bottom-line beat.

The Hartford Insurance Group, Inc. (NYSE:HIG ) Q3 2025 Earnings Call October 28, 2025 9:00 AM EDT Company Participants Kate Jorens - SVP, Treasurer & Head of Investor Relations Christopher Swift - Chairman & CEO Beth Bombara - Chief Financial Officer Adin Tooker - President Melinda Thompson - Head of Personal Lines Michael Fish - Executive VP & Head of Employee Benefits Conference Call Participants Brian Meredith - UBS Investment Bank, Research Division Andrew Kligerman - TD Cowen, Research Division Charles Peters - Raymond James & Associates, Inc., Research Division Taylor Scott - Barclays Bank PLC, Research Division Elyse Greenspan - Wells Fargo Securities, LLC, Research Division Ryan Tunis - Cantor Fitzgerald & Co., Research Division Michael Zaremski - BMO Capital Markets Equity Research Robert Cox - Goldman Sachs Group, Inc., Research Division Presentation Operator Good morning, and welcome to The Hartford Insurance Group's Third Quarter 2025 Earnings Call and Webcast. [Operator Instructions] As a reminder, this conference call is being recorded.

In trading on Tuesday, shares of Hartford Insurance Group crossed below their 200 day moving average of $123.45, changing hands as low as $120.33 per share. Hartford Insurance Group shares are currently trading off about 2.1% on the day.

While the top- and bottom-line numbers for The Hartford Insurance Group (HIG) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

HARTFORD, Conn.--(BUSINESS WIRE)--The Hartford (NYSE: HIG) today announced financial results for the third quarter ended Sept. 30, 2025. “The Hartford delivered outstanding third quarter results, generating record core earnings of $1.1 billion and a trailing 12-month core earnings ROE of 18.4 percent,” said The Hartford's Chairman and CEO Christopher Swift. “These results highlight the strength of The Hartford's franchise, effectiveness of our strategy and ability to deliver differentiated solu.

HIG's Q3 results are likely to get a boost from Personal Insurance and Employee Benefits units' growth, but rising costs could weigh on margins.

Beyond analysts' top-and-bottom-line estimates for The Hartford Insurance Group (HIG), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended September 2025.

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HARTFORD, Conn.--(BUSINESS WIRE)-- #stigma--The Hartford and Active Minds teamed up to bring Send Silence Packing exhibit to University of Connecticut on Oct. 8 and 60-80 colleges this year.

Hartford Insurance stands out as a top-tier U.S. multiline insurer with strong financials, robust margins, and reasonable valuation. HIG's Q2 2025 results highlight 8% premium growth, improving combined ratios, and a 17% core earnings ROE, reflecting operational strength across segments. Despite trading at a discount to peers, the company delivers above-average profitability, double-digit EPS growth, and strong stock performance with low volatility.