The Hartford(HIG) - 2025 Q2 - Earnings Call Presentation

Financial Performance Highlights - The Hartford achieved a core earnings return on equity (ROE) of 170% in 2Q25[14] - Net investment income reached $664 million before tax, driven by higher invested assets and reinvestment at higher rates[15] - The company repurchased $400 million of shares and paid $149 million in common stockholder dividends in 2Q25[13] - Book value per diluted share (ex AOCI) increased to $6835, reflecting a 10% compound annual growth rate (CAGR)[18] Segment Performance - Property & Casualty (P&C) net written premium grew by 8%, with Business Insurance also growing by 8% and Personal Insurance by 7% in 2Q25[11] - Business Insurance combined ratio was 870 and the underlying combined ratio was 880 in 2Q25[20] - Personal Insurance combined ratio was 941 and the underlying combined ratio was 880 in 2Q25[20] - Employee Benefits core earnings margin was 92% in 2Q25[20] Hartford Funds - Hartford Funds reported core earnings of $46 million in 2Q25, compared to $43 million in 2Q24[21] - Mutual fund and Exchange-Traded Fund (ETF) net outflows were $15 billion in 2Q25, compared to $11 billion in 2Q24[42]