The Hartford Financial Services Group, Inc. (HIG) Earnings
The Hartford Financial Services Group, Inc. is expected to report next earnings on July 27, 2026 (in NaN days), with a consensus EPS estimate of $3.30. HIG has beaten EPS estimates in 8 of its last 12 reported quarters (average surprise +7.3% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 24, 2026 | $3.39 | $3.09 | -8.8% | $7.2B | -1.7% |
| Jan 29, 2026 | $3.22 | $4.06 | +26.1% | $7.3B | +0.2% |
| Apr 24, 2025 | $2.15 | $2.20 | +2.3% | $6.8B | -0.5% |
| Jan 30, 2025 | $2.68 | $2.94 | +9.7% | $6.8B | +2.8% |
| Oct 24, 2024 | $2.54 | $2.53 | -0.4% | $6.7B | +0.5% |
| Jul 25, 2024 | $2.24 | $2.50 | +11.6% | $6.5B | -1.3% |
| Apr 25, 2024 | $2.45 | $2.34 | -4.5% | $6.4B | -1.5% |
| Feb 1, 2024 | $2.44 | $3.06 | +25.4% | $6.4B | +0.6% |
| Oct 26, 2023 | $1.98 | $2.29 | +15.7% | $6.2B | -0.0% |
| Jul 27, 2023 | $1.85 | $1.88 | +1.6% | $6.0B | -0.5% |
| Apr 27, 2023 | $1.72 | $1.68 | -2.3% | $5.9B | +0.6% |
| Feb 2, 2023 | $1.87 | $2.31 | +23.5% | $6.0B | +4.8% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 24, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
• Business insurance: Strong quarter with excellent execution across lines, underwriting decisions benefited from real-time insights, growing in small business where price, terms, and conditions compensate for risk. • Personal insurance: Strong execution in home with low double-digit pricing, agency offering live in 15 states with 30 planned by early 2027. • Employee benefits: Earnings margin driven by life and disability, excellent new business sales growth, enhanced digital capabilities and API connectivity. • Investments: Diversified portfolio produced strong results, net investment income increased, private credit investments have attractive yields.
Guidance
• Net investment income expected to increase in 2026 supported by continued growth in invested assets, overall portfolio yields expected to be generally in line with 2025. • Expect to remain at the level of share repurchases in the second quarter with $1.1 billion remaining on share repurchase authorization through December 31, 2026.
Segment performance
Business insurance: Delivered strong written premium growth of 6% with an underlying combined ratio of 89.2. Small business had written premium growth of 8% and an underlying combined ratio of 89.4. Middle and large business had written premium growth of 5% and an underlying combined ratio of 91.3. Global specialty had underlying margins in the mid-'80s, written premium growth of 3%. Global REED had premium growth of 11%. Personal insurance: Underlying combined ratio improved 4.7 points year over year, written premium declined 6% with 10% decrease in auto and 4% growth in home. Employee benefits: Core earnings margin was 6.9%, driven by outstanding life and strong disability performance, fully insured premium increased 3% year over year. Investment portfolio: Generated strong net investment income.
Risks & headwinds
• Geopolitical and economic uncertainty may impact investment portfolio performance. • Competitive market conditions in personal insurance could affect growth and pricing. • Catastrophic events like winter storms and tornadoes can impact losses in business and personal insurance. • General liability reserves related to historical sexual abuse and molestation exposures could impact results. • Volatility in the market for direct lending and BDCs could affect investment performance.
Analyst Q&A
Q: Around pricing, particularly in small business area, talk about resilience of pricing.
A: Andrew Kliegerman's question answered by Chris and Mo on small business pricing resilience and execution.
Q: On business insurance expense ratio seasonality and trajectory.
A: Elise Greenspan's question answered on expense ratio seasonality and targets.
Q: On business insurance premium growth within BI.
A: Brian Meredith's question answered on business insurance premium growth and market impact.
Q: On market competition in E&S and MGA.
A: Brian Meredith's second question answered on E&S and MGA competition.
Q: On workers' comp profitability.
A: Answered on workers' comp pricing and market behavior.
Q: On market competition impact on operating strategy.
A: Mike Zaremski's question answered on market competition and operating strategy.
Q: On BI reserves and loss emergence.
A: Katie Sackis' question answered on BI reserves and loss emergence.
Q: On direct lending and BDC exposure.
A: Beth's answer on direct lending and BDC exposure.
Q: On benefits business sales.
A: Gregory Peters' question answered on benefits business sales.
Q: On personal lines business and Prevail rollout.
A: Answered on personal lines business and Prevail rollout.
Q: On CATS and property diversification.
A: Rob Cox's question answered on CATS and property diversification.
Q: On personal auto and competitive environment.
A: Yaron Kinnar's question answered on personal auto and competitive environment