Key Takeaways PRU's U.S. business likely benefited from higher investment spread income and improved underwriting results. PGIM likely saw gains from higher asset management fees and stronger service revenues. PRU expenses likely increased due to higher policyholder benefits and deferred acquisition cost amortization. Prudential Financial Inc. (PRU) is expected to register an improvement in its top and bottom lines when it reports fourth-quarter 2025 results on Feb. 3, after the closing bell.The Zacks Conse ...

In claims, where AI is accelerating medical record summarization, in underwriting, where it is providing more consistent data-rich insights with greater precision, and in operations, where the deployment of Amazon's call center technology is enhancing customer interactions with multimodal capabilities. More recently, generative AI has expanded the way we think about value creation across our business, especially within claims, underwriting, and operations. Our approach remains focused on practical, high-imp ...

Key Takeaways SIGI posted 4Q operating income of $2.57 per share, beating estimates as earnings jumped 59% year over year.SIGI's underwriting income more than quadrupled, with the combined ratio improving to 93.8 on lower losses.SIGI delivered record 2025 NPW of $4.9 billion, while net investment income rose 16% year over yearSelective Insurance Group (SIGI) reported fourth-quarter 2025 operating income of $2.57 per share, which marginally beat the Zacks Consensus Estimate by 0.3%. The bottom line increased ...

Analysts on Wall Street project that Allstate (ALL) will announce quarterly earnings of $9.82 per share in its forthcoming report, representing an increase of 28% year over year. Revenues are projected to reach $17.52 billion, increasing 4.9% from the same quarter last year.Over the last 30 days, there has been an upward revision of 0.9% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts ove ...

In its upcoming report, MetLife (MET) is predicted by Wall Street analysts to post quarterly earnings of $2.36 per share, reflecting an increase of 13.5% compared to the same period last year. Revenues are forecasted to be $25.57 billion, representing a year-over-year increase of 29.6%.The consensus EPS estimate for the quarter has undergone a downward revision of 0.7% in the past 30 days, bringing it to its present level. This represents how the covering analysts, as a whole, have reassessed their initial ...

Commercial auto was a key focus. Marchioni said the company entered 2025 expecting accident-year margins to improve because it had earned double-digit rate increases over multiple years that exceeded an assumed loss trend of roughly 8%. As the year progressed, however, Selective “increased commercial auto casualty loss costs by nearly 6 points” and raised its expected severity trend for commercial auto liability to approximately 10%, which he said is reflected in results and incorporated into 2026 guidance. ...

The Hartford Insurance Group (NYSE:HIG) Q4 2025 Earnings call January 30, 2026 09:00 AM ET Company ParticipantsA. Morris Tooker - Head of Business InsuranceBeth Bombara - CFOChristopher Swift - CEOJonathan Bennett - Head of Group BenefitsMelinda Thompson - Head of Personal LinesSusan Spivak - Head of Investor RelationsConference Call ParticipantsElyse Greenspan - AnalystOperatorThank you for standing by. My name is Tina, and I will be your conference operator today. At this time, I would like to welcome eve ...

Financial Data and Key Metrics Changes - The Hartford reported Core Earnings of $3.8 billion for 2025, with a Core Earnings ROE of 19.4% [5][16] - Core earnings for Q4 2025 were $1.1 billion, or $4.06 per diluted share [16] - The business insurance segment achieved written premium growth of 7% with an underlying combined ratio of 88.1 [16] - The overall expense ratio for business insurance increased to 31.8, up 1 point from the prior year [17] Business Line Data and Key Metrics Changes - Business insurance delivered top-line growth of 8%, with small business written premium of $6 billion and an underlying combined ratio of 88.9 [4][9] - Personal insurance core earnings were $214 million, with an underlying combined ratio of 84.3, reflecting a 5.9-point improvement [18] - Employee benefits reported a Core Earnings margin of 8.2%, driven by strong life and disability results [4][14] Market Data and Key Metrics Changes - Business insurance renewal written pricing, excluding workers' compensation, was 6.1% for the quarter [10] - The personal insurance segment saw a 2% decline in written premium, although agency premium grew by 15% [18] - The investment portfolio generated net investment income of $832 million, a 17% increase from Q4 2024 [24] Company Strategy and Development Direction - The Hartford is focusing on technology and innovation, with investments in AI to enhance underwriting and claims processes [7][8] - The company aims to sustain industry-leading ROEs through disciplined underwriting and risk selection, particularly in the SME segment [11][15] - The strategy includes expanding market share in personal insurance while maintaining targeted profitability [13][15] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the ability to sustain favorable renewal premium changes in small business due to strong market positioning and relationships with agents [30][32] - The company anticipates continued growth in employee benefits, supported by investments in technology and expanding product offerings [14][62] - Management remains optimistic about the overall economic conditions and the potential for growth in 2026 [77] Other Important Information - The Hartford completed an A&E reserve study, resulting in an increase in reserves of $165 million [20] - The company issued a new catastrophe bond, increasing the total per occurrence program for peak perils to $1.9 billion [22] - The company repurchased approximately 3 million shares for $400 million during the quarter [24] Q&A Session Summary Question: How long can favorable renewal premium changes in small business be sustained? - Management believes the small business segment can continue to grow at healthy levels due to differentiated capabilities and strong agent relationships [29][30] Question: What is the outlook for the Prevail platform? - The Prevail platform is expected to grow significantly, with plans to expand to 30 states by early 2027, focusing on new business in both direct and agency channels [35][38] Question: What is the rationale behind the increase in dividends versus share buybacks? - The increase in dividends is balanced with share buyback levels to maintain flexibility while managing capital effectively [41][42] Question: How does the company view the impact of AI on the workforce? - Management sees potential for increased startup activity and small business formation, positioning The Hartford as a net winner in the evolving landscape [81][82] Question: What is the impact of Winter Storm Fern on claims? - Management considers the event manageable, with early claims activity indicating it is less severe than previous storms [84][86]

The global financial services sector is undergoing a major transformation, with the drive for increased scale and the growth of private credit being the main forces behind mergers and acquisitions (M&A), according to Christopher Sur, Global Financial Services Deals Leader, PwC Germany.According to the latest industry outlook from PwC, dealmakers are moving beyond the cautious sentiment of previous years to embrace a “generational shift” in how capital is deployed and managed.This resurgence is characterised ...

Financial Data and Key Metrics Changes - The Hartford reported Core Earnings of $3.8 billion for 2025, with a Core Earnings ROE of 19.4% [5][15] - Core earnings for Q4 2025 were $1.1 billion, or $4.06 per diluted share [15] - The business insurance segment achieved written premium growth of 7% with an underlying combined ratio of 88.1 [15] - The overall expense ratio for business insurance increased to 31.8, up 1 point from the prior year [16] Business Line Data and Key Metrics Changes - Business insurance delivered top-line growth of 8%, with small business written premium of $6 billion and an underlying combined ratio of 88.9 [4][8] - Personal insurance core earnings were $214 million, with an underlying combined ratio of 84.3, improving by 5.9 points [17] - Employee benefits reported a Core Earnings margin of 8.2%, driven by strong life and disability results [4][12] Market Data and Key Metrics Changes - Business insurance renewal written pricing, excluding workers' compensation, was 6.1% for the quarter [10] - The Hartford's small business segment was ranked number one for digital capabilities by Keynova Group, with a double-digit lead in all categories [8] - The investment portfolio generated net investment income of $832 million, a 17% increase from Q4 2024 [22] Company Strategy and Development Direction - The Hartford is focusing on technology and innovation, with a multi-year journey towards an AI-first mindset [6] - The company aims to sustain industry-leading ROEs through disciplined underwriting and risk selection, particularly in the SME segment [10][14] - The Hartford is expanding its presence in the under 500 lives segment within employee benefits, with a focus on enhancing product offerings [12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to capture additional market share while maintaining strong profitability in small business [8] - The company anticipates continued growth in personal insurance, particularly in the agency channel, while facing challenges in the direct channel [11] - Management remains optimistic about the economic outlook and the potential for growth in 2026, despite some pressures in the property market [44][74] Other Important Information - The Hartford completed its A&E reserve study, resulting in an increase in reserves of $165 million, primarily for asbestos and environmental claims [18] - The company renewed its catastrophe cover with favorable terms, enhancing capital strength and supporting growth in property underwriting [20] Q&A Session Summary Question: How long can favorable renewal premium changes in small business be sustained? - Management believes the small business segment can continue to grow at healthy levels due to strong relationships with agents and brokers, and a differentiated market position [28][30] Question: What is the outlook for the Prevail platform? - The Prevail platform is expected to grow significantly, with plans to expand to 30 states by early 2027, focusing on new business in both direct and agency channels [33][36] Question: Why is the buyback pace not increased in line with dividend increases? - Management indicated a balanced approach to share buybacks and dividends, considering overall capital flexibility and market conditions [39][40] Question: What is the outlook for business insurance margins in 2026? - Management refrained from providing specific numbers but emphasized a strong starting position and a disciplined approach to underwriting [42][44] Question: How will technology impact the expense ratio in a soft market? - Management is optimistic about capturing market share and believes that technology investments will lead to improved expense ratios over time [49][50]