Here's What Key Metrics Tell Us About The Hartford Insurance Group (HIG) Q4 Earnings

Core Insights - The Hartford Insurance Group reported $5.22 billion in revenue for Q4 2025, marking an 8.9% year-over-year increase and exceeding the Zacks Consensus Estimate by 1.39% [1] - The company's EPS for the quarter was $4.06, a significant increase from $2.94 a year ago, resulting in a surprise of 27.93% over the consensus estimate of $3.17 [1] Financial Performance Metrics - Personal Insurance's loss and loss adjustment expense ratio was 53.3%, significantly better than the average estimate of 64% [4] - Business Insurance's expense ratio was reported at 31.8%, slightly above the average estimate of 30.9% [4] - The combined ratio for Business Insurance was 83.6%, outperforming the estimated average of 89.7% [4] - The underlying combined ratio for Business Insurance was 88.1%, close to the average estimate of 88.6% [4] - Earned premiums for Personal Insurance were $945 million, slightly below the average estimate of $946.67 million, but reflecting a year-over-year increase of 4.3% [4] - Net investment income for Property and Casualty was $656 million, exceeding the average estimate of $585.46 million, with a year-over-year increase of 16.7% [4] - Total revenues for Employee Benefits were $1.8 billion, slightly below the estimated $1.82 billion [4] - Net investment income for Employee Benefits was $153 million, surpassing the average estimate of $135.87 million [4] - Premiums and other considerations for Employee Benefits were $1.66 billion, below the average estimate of $1.68 billion [4] - Fee income for Business Insurance was $12 million, exceeding the average estimate of $10.96 million [4] - Earned premiums for Business Insurance were $3.6 billion, slightly above the average estimate of $3.58 billion [4] - Fee income for Personal Insurance was $8 million, below the average estimate of $8.21 million, representing an 11.1% decrease year-over-year [4] Stock Performance - The Hartford Insurance Group's shares have returned -5.2% over the past month, contrasting with the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]