Will A Strong Personal Insurance Unit Aid The Hartford's Q3 Earnings?

Core Insights - The Hartford Insurance Group, Inc. (HIG) is set to release its third-quarter 2025 results on October 27, with earnings expected to be $3.13 per share, reflecting a 23.7% increase from the same quarter last year [1][6] - The Zacks Consensus Estimate for revenues is projected at $5 billion, indicating a 7.9% growth year-over-year [2][6] Earnings Estimates and Revisions - The third-quarter earnings estimate has seen five upward revisions and one downward revision in the past 30 days [2] - The Earnings ESP for The Hartford is +0.91%, with the most accurate estimate at $3.16 per share, higher than the consensus estimate [5] Revenue Breakdown - Business Insurance is expected to contribute significantly, with earned premiums estimated at $3.5 billion, reflecting growth driven by rate increases and new business [7] - Personal Insurance is projected to have earned premiums of $949 million, a 7.2% increase from the prior year, supported by rate hikes and higher insured values [8] - Employee Benefits revenues are anticipated to reach $1.8 billion, driven by strong persistency rates and improved sales, although offset by rising technology and staffing costs [9] - Overall net investment income is expected to be $709 million, suggesting a 7.6% growth year-over-year [10] Cost and Margin Pressures - The bottom line is likely to be pressured by increased benefits, losses, and higher operating costs, alongside ongoing investments in digital capabilities [11]