The Hartford (HIG) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Group 1 - The Hartford reported $4.79 billion in revenue for Q4 2024, an 11.1% year-over-year increase, with an EPS of$ 2.94 compared to $3.06 a year ago [1] - The reported revenue exceeded the Zacks Consensus Estimate of$ 4.77 billion, resulting in a surprise of +0.41%, while the EPS surprise was +10.11% against a consensus estimate of $2.67 [1] - The Hartford's shares returned +3.8% over the past month, outperforming the Zacks S&P 500 composite's +1.2% change [3] Group 2 - Personal line loss and loss adjustment expense ratio was 59.3%, significantly better than the six-analyst average estimate of 73% [4] - Commercial line expense ratio was 30.8%, slightly above the 30.4% average estimate based on six analysts [4] - Net premiums earned were$ 5.81 billion, slightly below the seven-analyst average estimate of $5.85 billion, representing a year-over-year change of +6.9% [4] Group 3 - Earned Premium for Commercial Line was$ 3.30 billion, compared to the $3.33 billion average estimate, reflecting an +8.7% year-over-year change [4] - Earned Premium for Personal Lines was$ 906 million, exceeding the $889.07 million average estimate, with a +12.7% year-over-year change [4] - Total Property & Casualty Earned Premium was$ 4.21 billion, slightly below the $4.22 billion average estimate, showing a +9.6% year-over-year change [4]