The Hartford Insurance Group (HIG) Financials

$133.40 +1.29 (+0.98%)

As of 02:53 PM Eastern

Annual Income Statements for The Hartford Insurance Group

This table shows The Hartford Insurance Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	1,682	896	-3,131	1,801	2,064	1,716	2,350	1,798	2,483	3,090	3,815
Consolidated Net Income / (Loss)	1,682	896	-3,131	1,807	2,085	1,737	2,371	1,819	2,504	3,111	3,836
Net Income / (Loss) Continuing Operations	1,189	613	-262	1,485	2,267	1,737	2,371	1,819	2,504	3,111	3,836
Total Pre-Tax Income	1,478	447	723	1,753	2,560	2,120	2,905	2,262	3,088	3,849	4,760
Total Operating Income	1,816	857	1,039	2,057	3,091	2,356	3,139	2,475	3,287	4,048	4,959
Total Gross Profit	15,968	16,374	17,162	18,955	20,740	20,523	22,390	22,362	24,527	26,535	28,368
Total Revenue	15,968	16,374	17,162	18,955	20,740	20,523	22,390	22,362	24,527	26,535	28,368
Operating Revenue	16,009	16,401	16,997	18,955	20,740	20,523	22,390	22,362	24,527	26,535	28,368
Total Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Operating Expenses	14,152	15,517	16,123	16,898	17,649	18,167	19,251	19,887	21,240	22,487	23,409
Selling, General & Admin Expense	-	-	4,563	4,281	4,580	4,480	4,791	4,841	4,881	5,258	5,584
Amortization Expense	1,368	1,381	1,386	1,452	1,688	1,778	1,739	1,895	2,115	2,353	2,587
Other Operating Expenses / (Income)	12,784	14,136	10,174	11,165	11,563	11,805	12,720	13,138	14,238	14,874	15,238
Restructuring Charge	-	-	-	0.00	0.00	104	1.00	13	6.00	2.00	0.00
Total Other Income / (Expense), net	-338	-410	-316	-304	-349	-236	-234	-213	-199	-199	-199
Interest Expense	367	327	316	304	349	236	234	213	199	199	199
Income Tax Expense	289	-166	985	268	475	383	534	443	584	738	924
Basic Earnings per Share	$4.05	$2.31	($8.61)	$5.03	$5.72	$4.79	$6.73	$5.54	$8.09	$10.51	$13.51
Weighted Average Basic Shares Outstanding	396.68M	370.19M	356.98M	359.47M	358.25M	357.51M	331.65M	313.06M	297.35M	285.39M	275.86M
Diluted Earnings per Share	$3.96	$2.27	($8.61)	$4.95	$5.66	$4.76	$6.64	$5.46	$7.97	$10.35	$13.32
Weighted Average Diluted Shares Outstanding	396.68M	370.19M	356.98M	359.47M	358.25M	357.51M	331.65M	313.06M	297.35M	285.39M	275.86M
Weighted Average Basic & Diluted Shares Outstanding	396.68M	370.19M	356.98M	359.47M	358.25M	357.51M	331.65M	313.06M	297.35M	285.39M	275.86M
Cash Dividends to Common per Share	$0.78	$0.86	$0.94	$1.10	$1.20	$1.30	$1.44	$1.58	$1.75	$1.93	$2.16

This table shows The Hartford Insurance Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	645	766	748	733	761	848	625	990	1,074	1,126	851
Consolidated Net Income / (Loss)	651	771	753	738	767	853	630	995	1,080	1,131	856
Net Income / (Loss) Continuing Operations	651	771	753	738	767	853	630	995	1,080	1,131	856
Total Pre-Tax Income	813	950	911	912	952	1,074	783	1,246	1,318	1,413	1,057
Total Operating Income	863	999	961	962	1,001	1,124	833	1,296	1,368	1,462	1,107
Total Gross Profit	6,168	6,400	6,419	6,486	6,751	6,879	6,810	6,987	7,232	7,339	7,226
Total Revenue	6,168	6,400	6,419	6,486	6,751	6,879	6,810	6,987	7,232	7,339	7,226
Operating Revenue	6,168	6,400	6,419	6,486	6,751	6,879	6,810	6,987	7,232	7,339	7,226
Total Cost of Revenue	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Operating Expenses	5,305	5,401	5,458	5,524	5,750	5,755	5,977	5,691	5,864	5,877	6,119
Selling, General & Admin Expense	1,226	1,214	1,283	1,285	1,323	1,367	1,352	1,337	1,414	1,481	1,447
Amortization Expense	535	552	563	578	603	609	625	642	657	663	674
Other Operating Expenses / (Income)	3,543	3,633	3,611	3,661	3,823	3,779	4,000	3,712	3,793	3,733	3,998
Total Other Income / (Expense), net	-50	-49	-50	-50	-49	-50	-50	-50	-50	-49	-50
Interest Expense	50	49	50	50	49	50	50	50	50	49	50
Income Tax Expense	162	179	158	174	185	221	153	251	238	282	201
Basic Earnings per Share	$2.12	$2.53	$2.51	$2.48	$2.60	$2.92	$2.18	$3.49	$3.82	$4.02	$3.08
Weighted Average Basic Shares Outstanding	300.77M	297.35M	295.76M	293.01M	289.89M	285.39M	284.10M	281.17M	278.65M	275.86M	274.13M
Diluted Earnings per Share	$2.09	$2.49	$2.47	$2.44	$2.56	$2.88	$2.15	$3.44	$3.77	$3.96	$3.04
Weighted Average Diluted Shares Outstanding	300.77M	297.35M	295.76M	293.01M	289.89M	285.39M	284.10M	281.17M	278.65M	275.86M	274.13M
Weighted Average Basic & Diluted Shares Outstanding	300.77M	297.35M	295.76M	293.01M	289.89M	285.39M	284.10M	281.17M	278.65M	275.86M	274.13M
Cash Dividends to Common per Share	$0.43	-	$0.47	$0.47	-	-	$0.52	$0.52	-	-	$0.60

This table details how cash moves in and out of The Hartford Insurance Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	2.00	185	-148	-596	141	-23	98	7.00	-155	45	-57
Net Cash From Operating Activities	2,756	2,066	2,186	2,843	3,489	3,871	4,093	4,008	4,220	5,909	5,922
Net Cash From Continuing Operating Activities	2,756	2,066	2,186	2,843	3,489	3,871	4,093	4,008	4,220	5,909	5,922
Net Income / (Loss) Continuing Operations	1,682	896	-3,131	1,807	2,085	1,737	2,371	1,819	2,504	3,111	3,836
Consolidated Net Income / (Loss)	1,682	896	-3,131	1,807	2,085	1,737	2,371	1,819	2,504	3,111	3,836
Depreciation Expense	373	398	399	467	451	562	680	625	510	356	396
Amortization Expense	1,502	1,523	1,417	1,442	1,622	1,706	1,668	1,824	2,044	2,282	2,516
Non-Cash Adjustments To Reconcile Net Income	347	540	2,958	-354	-386	-598	-1,282	-396	-675	-451	-382
Changes in Operating Assets and Liabilities, net	-1,148	-1,291	543	-519	-283	464	656	136	-163	611	-444
Net Cash From Investing Activities	485	949	-1,442	-1,962	-2,148	-2,066	-2,466	-1,277	-2,431	-3,768	-3,758
Net Cash From Continuing Investing Activities	485	949	-1,442	-1,962	-2,148	-2,066	-2,466	-1,277	-2,431	-3,768	-3,758
Purchase of Property, Plant & Equipment	-307	-224	-250	-122	-105	-114	-133	-175	-215	-145	-169
Purchase of Investments	-29,622	-23,977	-32,019	-24,897	-19,706	-22,442	-23,751	-16,002	-10,357	-14,199	-13,032
Sale and/or Maturity of Investments	31,141	25,965	32,878	22,903	20,322	21,309	23,613	16,614	9,147	11,532	10,980
Other Investing Activities, net	-727	-640	-850	-961	-758	-819	-2,206	-1,714	-1,006	-956	-1,537
Net Cash From Financing Activities	-3,144	-2,541	-979	-1,467	-1,191	-1,778	-1,581	-2,710	-1,947	-2,076	-2,235
Net Cash From Continuing Financing Activities	-3,144	-2,541	-979	-1,467	-1,191	-1,778	-1,581	-2,710	-1,947	-2,076	-2,235
Repurchase of Common Equity	-1,250	-1,330	-1,038	0.00	-200	-171	-1,677	-1,569	-1,394	-1,492	-1,633
Payment of Dividends	-316	-334	-341	-379	-454	-478	-506	-527	-549	-577	-613
Other Financing Activities, net	-1,321	-782	-991	-463	-7.00	-42	14	-14	-4.00	-7.00	11
Effect of Exchange Rate Changes	-48	-40	70	-10	-9.00	8.00	-6.00	-14	3.00	-20	14
Cash Interest Paid	361	336	322	292	261	232	214	212	209	211	206

This table details how cash moves in and out of The Hartford Insurance Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-41	8.00	133	-112	71	-47	-18	3.00	-13	-29	43
Net Cash From Operating Activities	1,771	1,627	1,097	1,260	1,678	1,874	985	1,291	1,838	1,808	1,045
Net Cash From Continuing Operating Activities	1,771	1,627	1,097	1,260	1,678	1,874	985	1,291	1,838	1,808	1,045
Net Income / (Loss) Continuing Operations	651	771	753	738	767	853	630	995	1,080	1,131	856
Consolidated Net Income / (Loss)	651	771	753	738	767	853	630	995	1,080	1,131	856
Depreciation Expense	128	124	127	60	85	84	92	94	75	135	108
Amortization Expense	517	534	545	561	585	591	607	625	639	645	656
Non-Cash Adjustments To Reconcile Net Income	68	-196	-413	-280	179	63	-415	-246	143	136	-272
Changes in Operating Assets and Liabilities, net	407	394	85	181	62	283	71	-177	-99	-239	-303
Net Cash From Investing Activities	-1,319	-1,165	-435	-888	-1,089	-1,356	-401	-743	-1,315	-1,299	-332
Net Cash From Continuing Investing Activities	-1,319	-1,165	-435	-888	-1,089	-1,356	-401	-743	-1,315	-1,299	-332
Purchase of Property, Plant & Equipment	-52	-64	-50	-61	-60	26	-38	-40	-45	-46	-31
Purchase of Investments	-2,488	-3,126	-1,882	-4,367	-3,704	-4,246	-2,456	-3,134	-3,839	-3,603	-2,555
Sale and/or Maturity of Investments	1,425	2,248	1,756	3,852	2,919	3,005	2,254	2,828	2,984	2,914	2,663
Other Investing Activities, net	-204	-223	-259	-312	-244	-141	-161	-397	-415	-564	-409
Net Cash From Financing Activities	-489	-454	-529	-480	-520	-547	-608	-543	-544	-540	-663
Net Cash From Continuing Financing Activities	-489	-454	-529	-480	-520	-547	-608	-543	-544	-540	-663
Repurchase of Common Equity	-350	-319	-377	-332	-375	-408	-454	-394	-389	-396	-489
Payment of Dividends	-137	-134	-146	-145	-144	-142	-155	-154	-153	-151	-172
Other Financing Activities, net	-2.00	-1.00	-6.00	-3.00	-1.00	3.00	1.00	5.00	-2.00	7.00	-2.00
Effect of Exchange Rate Changes	-4.00	-	0.00	-4.00	2.00	-18	6.00	-2.00	8.00	2.00	-7.00
Cash Interest Paid	52	54	52	54	62	43	61	42	61	42	60

This table presents The Hartford Insurance Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	228,348	224,576	225,260	62,307	70,817	74,111	76,578	73,008	76,780	80,917	85,997
Total Current Assets	63,181	207,366	43,365	35,714	52,258	151	62,531	51,973	56,219	59,970	64,322
Cash & Equivalents	448	328	180	112	185	151	205	229	126	183	133
Short-Term Investments	59,196	34,288	39,275	35,603	46,827	-	52,366	40,795	44,399	47,393	51,036
Note & Lease Receivable	-	-	-	-1.00	-	-	5,383	6,000	6,087	6,396	6,837
Other Current Assets	-	3,730	3,910	-	5,169	-	4,445	4,949	5,607	5,998	6,316
Plant, Property, & Equipment, net	974	991	1,034	1,006	1,181	1,122	1,027	927	896	888	931
Total Noncurrent Assets	163,883	16,108	180,861	61,189	17,378	72,838	13,020	20,108	19,665	20,059	20,744
Long-Term Investments	7,788	2,472	2,696	34,092	1,988	56,532	-	6,137	5,840	5,871	6,558
Goodwill	498	567	1,290	1,290	1,913	1,911	1,911	1,911	1,911	1,911	1,911
Intangible Assets	-	44	659	657	1,070	950	858	778	707	637	566
Noncurrent Deferred & Refundable Income Taxes	3,206	2,999	1,164	-1,248	299	46	270	1,437	1,173	1,229	901
Other Noncurrent Operating Assets	146,767	7,140	171,877	-5,500	7,893	13,399	9,981	9,845	10,034	10,411	10,808
Total Liabilities & Shareholders' Equity	228,348	224,576	225,260	62,307	70,817	74,111	76,578	73,008	76,780	80,917	85,997
Total Liabilities	210,706	207,673	211,766	49,206	54,547	55,555	58,735	59,332	61,453	64,470	67,018
Total Current Liabilities	59,658	192,267	195,049	33,442	37,017	37,855	39,659	41,243	42,318	44,610	46,268
Other Current Liabilities	59,383	28,317	32,287	33,029	36,517	37,855	39,659	41,243	42,318	44,610	46,268
Total Noncurrent Liabilities	151,048	15,406	16,717	15,764	17,530	17,700	19,076	18,089	19,135	19,860	20,750
Long-Term Debt	5,084	4,494	4,678	4,265	4,348	4,352	4,944	4,357	4,362	4,366	4,371
Other Noncurrent Operating Liabilities	145,964	10,912	12,039	11,499	13,182	13,190	14,132	13,732	14,773	15,494	16,379
Total Equity & Noncontrolling Interests	17,642	16,903	13,494	13,101	16,270	18,556	17,843	13,676	15,327	16,447	18,979
Total Preferred & Common Equity	17,642	16,903	13,494	13,101	16,270	18,556	17,843	13,676	15,327	16,447	18,979
Preferred Stock	-	-	0.00	334	334	334	334	334	334	334	334
Total Common Equity	17,642	16,903	13,494	12,767	15,936	18,222	17,509	13,342	14,993	16,113	18,645
Common Stock	8,978	5,251	4,383	4,382	4,316	4,326	3,313	1,898	651	581	552
Retained Earnings	12,550	13,114	9,642	11,055	12,685	13,918	15,764	17,058	19,007	21,531	24,739
Treasury Stock	-3,557	-1,125	-1,194	-1,091	-1,117	-1,192	-1,740	-1,773	-1,816	-3,113	-4,589
Accumulated Other Comprehensive Income / (Loss)	-329	-337	663	-1,579	52	1,170	172	-3,841	-2,849	-2,886	-2,057

This table presents The Hartford Insurance Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	73,895	74,516	76,780	77,710	79,046	81,219	80,917	82,307	83,639	84,995	86,322
Total Current Assets	52,801	53,256	56,219	56,981	58,062	60,254	59,970	61,191	62,180	63,409	64,375
Cash & Equivalents	150	111	126	274	154	223	183	138	166	150	166
Short-Term Investments	41,053	41,594	44,399	44,522	45,216	47,465	47,393	48,311	48,853	50,085	50,465
Note & Lease Receivable	6,020	6,016	6,087	6,197	6,357	6,415	6,396	6,356	6,463	6,619	7,015
Other Current Assets	5,578	5,535	5,607	5,988	6,335	6,151	5,998	6,386	6,698	6,555	6,729
Plant, Property, & Equipment, net	884	894	896	879	878	871	888	909	906	925	923
Total Noncurrent Assets	20,210	20,366	19,665	19,850	20,106	20,094	20,059	20,207	20,553	20,661	21,024
Long-Term Investments	5,595	5,710	5,840	5,803	5,746	5,915	5,871	5,888	6,052	6,336	6,741
Goodwill	1,911	1,911	1,911	1,911	1,911	1,911	1,911	1,911	1,911	1,911	1,911
Intangible Assets	743	725	707	690	672	654	637	619	602	584	549
Noncurrent Deferred & Refundable Income Taxes	1,342	1,486	1,173	1,182	1,234	976	1,229	1,098	1,094	866	922
Other Noncurrent Operating Assets	10,619	10,534	10,034	10,264	10,543	10,638	10,411	10,691	10,894	10,964	10,901
Total Liabilities & Shareholders' Equity	73,895	74,516	76,780	77,710	79,046	81,219	80,917	82,307	83,639	84,995	86,322
Total Liabilities	59,743	60,837	61,453	62,242	63,366	64,211	64,470	65,463	66,121	66,545	67,433
Total Current Liabilities	41,219	41,686	42,318	42,771	43,323	43,881	44,610	45,266	45,482	45,820	46,723
Other Current Liabilities	41,219	41,686	42,318	42,771	43,323	43,881	44,610	45,266	45,482	45,820	46,723
Total Noncurrent Liabilities	18,524	19,151	19,135	19,471	20,043	20,330	19,860	20,197	20,639	20,725	20,710
Long-Term Debt	4,360	4,361	4,362	4,363	4,364	4,365	4,366	4,368	4,369	4,370	4,372
Other Noncurrent Operating Liabilities	14,164	14,790	14,773	15,108	15,679	15,965	15,494	15,829	16,270	16,355	16,338
Total Equity & Noncontrolling Interests	14,152	13,679	15,327	15,468	15,680	17,008	16,447	16,844	17,518	18,450	18,889
Total Preferred & Common Equity	14,152	13,679	15,327	15,468	15,680	17,008	16,447	16,844	17,518	18,450	18,889
Preferred Stock	334	334	334	334	334	334	334	334	334	334	334
Total Common Equity	13,818	13,345	14,993	15,134	15,346	16,674	16,113	16,510	17,184	18,116	18,555
Common Stock	1,867	1,872	651	554	561	567	581	527	530	536	490
Retained Earnings	17,865	18,382	19,007	19,614	20,209	20,834	21,531	22,007	22,850	23,779	25,424
Treasury Stock	-2,390	-2,731	-1,816	-2,037	-2,356	-2,722	-3,113	-3,444	-3,812	-4,196	-4,943
Accumulated Other Comprehensive Income / (Loss)	-3,524	-4,178	-2,849	-2,997	-3,068	-2,005	-2,886	-2,580	-2,384	-2,003	-2,416

This table displays calculated financial ratios and metrics derived from The Hartford Insurance Group's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-57.19%	2.54%	4.81%	10.45%	9.42%	-1.05%	9.10%	-0.13%	9.68%	8.19%	6.91%
EBITDA Growth	-77.64%	-27.55%	5.94%	38.91%	30.21%	-10.46%	18.66%	-10.26%	18.62%	14.47%	17.72%
EBIT Growth	-87.39%	-58.05%	34.24%	97.98%	50.27%	-23.78%	33.23%	-21.15%	32.81%	23.15%	22.50%
NOPAT Growth	-87.42%	-19.55%	-132.04%	562.81%	44.47%	-23.32%	32.72%	-22.31%	33.92%	22.75%	22.14%
Net Income Growth	110.78%	-46.73%	-449.44%	157.71%	15.38%	-16.69%	36.50%	-23.28%	37.66%	24.24%	23.30%
EPS Growth	128.90%	-42.68%	-479.30%	157.49%	14.34%	-15.90%	39.50%	-17.77%	45.97%	29.86%	28.70%
Operating Cash Flow Growth	46.13%	-25.04%	5.81%	30.05%	22.72%	10.95%	5.74%	-2.08%	5.29%	40.02%	0.22%
Free Cash Flow Firm Growth	99.39%	-25,089.89%	-605.18%	220.32%	-111.19%	135.21%	-115.01%	205.55%	250.45%	24.13%	9.74%
Invested Capital Growth	3.35%	53.35%	764.92%	-137.49%	46.26%	-20.24%	11.01%	2.63%	-5.31%	-6.38%	-5.34%
Revenue Q/Q Growth	-56.99%	7.21%	8.45%	-20.32%	42.52%	1.65%	-2.00%	0.90%	1.59%	1.84%	1.65%
EBITDA Q/Q Growth	-77.89%	5.44%	5.31%	-56.29%	498.76%	1.34%	-12.56%	-3.26%	4.81%	2.17%	5.96%
EBIT Q/Q Growth	-87.59%	11.05%	23.25%	-71.41%	194.53%	2.04%	-20.29%	-6.67%	6.96%	3.19%	7.31%
NOPAT Q/Q Growth	-88.20%	99.79%	-163.80%	-33.46%	191.11%	2.54%	-20.72%	-6.88%	7.18%	2.57%	7.46%
Net Income Q/Q Growth	2.37%	-35.91%	-737.68%	-30.95%	170.06%	-0.63%	9.11%	-7.00%	7.70%	2.71%	7.81%
EPS Q/Q Growth	4.76%	-34.58%	-737.78%	186.69%	20.94%	-0.63%	10.48%	-4.55%	9.18%	3.92%	8.82%
Operating Cash Flow Q/Q Growth	-7.86%	-4.40%	0.05%	13.54%	1.22%	4.68%	-0.29%	-2.91%	14.77%	4.36%	-1.10%
Free Cash Flow Firm Q/Q Growth	-100.74%	-701,707.79%	-56,429.29%	1,232.26%	-24,314.80%	283.15%	-111.55%	123.70%	-0.22%	-13.48%	9.53%
Invested Capital Q/Q Growth	2.29%	53.83%	409.11%	-105.87%	0.59%	-19.12%	14.16%	-5.39%	-4.43%	-1.25%	-1.85%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
EBITDA Margin	23.30%	16.46%	16.64%	20.92%	24.90%	22.53%	24.51%	22.02%	23.81%	25.20%	27.75%
Operating Margin	11.37%	5.23%	6.05%	10.85%	14.90%	11.48%	14.02%	11.07%	13.40%	15.26%	17.48%
EBIT Margin	11.55%	4.73%	6.05%	10.85%	14.90%	11.48%	14.02%	11.07%	13.40%	15.26%	17.48%
Profit (Net Income) Margin	10.53%	5.47%	-18.24%	9.53%	10.05%	8.46%	10.59%	8.13%	10.21%	11.72%	13.52%
Tax Burden Percent	113.80%	200.45%	-433.06%	103.08%	81.45%	81.93%	81.62%	80.42%	81.09%	80.83%	80.59%
Interest Burden Percent	80.11%	57.75%	69.59%	85.22%	82.82%	89.98%	92.55%	91.39%	93.95%	95.08%	95.99%
Effective Tax Rate	19.55%	-37.14%	136.24%	15.29%	18.55%	18.07%	18.38%	19.58%	18.91%	19.17%	19.41%
Return on Invested Capital (ROIC)	0.00%	0.00%	-0.64%	4.02%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	-6.93%	4.23%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	-19.96%	9.57%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	9.25%	5.19%	-20.60%	13.59%	14.20%	9.98%	13.03%	11.54%	17.27%	19.58%	21.66%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	-115.31%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	0.78%	0.34%	0.46%	1.43%	4.64%	3.25%	4.17%	3.31%	4.39%	5.13%	5.94%
Return on Assets (ROA)	0.71%	0.40%	-1.39%	1.26%	3.13%	2.40%	3.15%	2.43%	3.34%	3.95%	4.60%
Return on Common Equity (ROCE)	9.25%	5.19%	-20.60%	13.42%	13.87%	9.78%	12.79%	11.30%	16.87%	19.17%	21.25%
Return on Equity Simple (ROE_SIMPLE)	9.53%	5.30%	-23.20%	13.79%	12.82%	9.36%	13.29%	13.30%	16.34%	18.92%	0.00%
Net Operating Profit after Tax (NOPAT)	1,461	1,175	-377	1,743	2,517	1,930	2,562	1,990	2,665	3,272	3,996
NOPAT Margin	9.15%	7.18%	-2.19%	9.19%	12.14%	9.41%	11.44%	8.90%	10.87%	12.33%	14.09%
Net Nonoperating Expense Percent (NNEP)	0.35%	-0.56%	6.30%	-0.21%	-0.79%	-0.40%	-0.38%	-0.38%	-0.36%	-0.34%	-0.31%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	11.04%	13.54%	15.72%	17.12%
Cost of Revenue to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	0.00%	0.00%	26.59%	22.59%	22.08%	21.83%	21.40%	21.65%	19.90%	19.82%	19.68%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	88.63%	94.77%	93.95%	89.15%	85.10%	88.52%	85.98%	88.93%	86.60%	84.74%	82.52%
Earnings before Interest and Taxes (EBIT)	1,845	774	1,039	2,057	3,091	2,356	3,139	2,475	3,287	4,048	4,959
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	3,720	2,695	2,855	3,966	5,164	4,624	5,487	4,924	5,841	6,686	7,871
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.90	1.09	1.29	1.11	1.25	0.90	1.28	1.73	1.65	2.13	2.31
Price to Tangible Book Value (P/TBV)	0.92	1.13	1.51	1.31	1.54	1.07	1.52	2.17	2.00	2.52	2.67
Price to Revenue (P/Rev)	0.99	1.12	1.01	0.75	0.96	0.80	1.00	1.03	1.01	1.29	1.52
Price to Earnings (P/E)	9.42	20.53	0.00	7.85	9.64	9.55	9.55	12.87	9.96	11.08	11.31
Dividend Yield	2.15%	2.12%	1.93%	2.79%	2.18%	2.84%	2.18%	2.17%	2.21%	1.76%	1.57%
Earnings Yield	10.62%	4.87%	0.00%	12.74%	10.37%	10.48%	10.47%	7.77%	10.04%	9.02%	8.84%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.30	0.29	0.37	0.36	0.30	0.23	0.28	0.32	0.28	0.27	0.23
Long-Term Debt to Equity	0.29	0.27	0.35	0.33	0.27	0.23	0.28	0.32	0.28	0.27	0.23
Financial Leverage	-3.50	-2.90	2.88	2.26	-3.72	-2.77	-2.75	-2.87	-3.06	-2.99	-2.89
Leverage Ratio	13.02	13.11	14.80	10.81	4.53	4.16	4.14	4.75	5.16	4.96	4.71
Compound Leverage Factor	10.43	7.57	10.30	9.21	3.75	3.74	3.83	4.34	4.85	4.72	4.52
Debt to Total Capital	23.30%	22.51%	27.03%	26.31%	22.96%	19.00%	21.70%	24.16%	22.15%	20.98%	18.72%
Short-Term Debt to Total Capital	1.20%	1.91%	1.73%	2.32%	2.37%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	22.10%	20.60%	25.30%	23.99%	20.59%	19.00%	21.70%	24.16%	22.15%	20.98%	18.72%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	1.88%	1.58%	1.46%	1.47%	1.85%	1.70%	1.60%	1.43%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	76.70%	77.49%	72.97%	71.81%	75.46%	79.54%	76.84%	73.99%	76.15%	77.42%	79.85%
Debt to EBITDA	1.44	1.82	1.75	1.18	0.94	0.94	0.90	0.88	0.75	0.65	0.56
Net Debt to EBITDA	-16.69	-11.94	-13.01	-16.42	-8.56	-11.32	-8.70	-8.69	-7.88	-7.34	-6.78
Long-Term Debt to EBITDA	1.37	1.67	1.64	1.08	0.84	0.94	0.90	0.88	0.75	0.65	0.56
Debt to NOPAT	3.67	4.18	-13.27	2.68	1.93	2.25	1.93	2.19	1.64	1.33	1.09
Net Debt to NOPAT	-42.49	-27.38	98.68	-37.38	-17.57	-27.11	-18.64	-21.51	-17.26	-15.00	-13.35
Long-Term Debt to NOPAT	3.48	3.82	-12.42	2.45	1.73	2.25	1.93	2.19	1.64	1.33	1.09
Altman Z-Score	0.24	0.30	-0.61	0.88	1.16	0.21	1.30	1.16	1.27	1.41	1.56
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	1.26%	2.27%	1.92%	1.84%	2.12%	2.30%	2.10%	1.89%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.06	1.08	0.22	1.07	1.41	0.00	1.58	1.26	1.33	1.34	1.39
Quick Ratio	1.06	0.18	0.20	1.07	1.27	0.00	1.46	1.14	1.20	1.21	1.25
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-90	-22,694	-160,032	192,554	-21,552	7,588	-1,139	1,202	4,213	5,230	5,739
Operating Cash Flow to CapEx	897.72%	922.32%	874.40%	2,330.33%	3,322.86%	3,395.61%	3,077.44%	2,290.29%	1,962.79%	4,075.17%	3,504.14%
Free Cash Flow to Firm to Interest Expense	-0.25	-69.40	-506.43	633.40	-61.75	32.15	-4.87	5.64	21.17	26.28	28.84
Operating Cash Flow to Interest Expense	7.51	6.32	6.92	9.35	10.00	16.40	17.49	18.82	21.21	29.69	29.76
Operating Cash Flow Less CapEx to Interest Expense	6.67	5.63	6.13	8.95	9.70	15.92	16.92	18.00	20.13	28.96	28.91
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.07	0.07	0.08	0.13	0.31	0.28	0.30	0.30	0.33	0.34	0.34
Accounts Receivable Turnover	4.58	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	17.69	16.67	16.95	18.58	18.97	17.82	20.84	22.89	26.91	29.75	31.19
Accounts Payable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Sales Outstanding (DSO)	79.62	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	79.62	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	-44,741	-20,872	138,783	-52,028	-27,959	-33,617	-29,916	-29,128	-30,676	-32,634	-34,377
Invested Capital Turnover	-0.35	-0.50	0.29	0.44	-0.52	-0.67	-0.70	-0.76	-0.82	-0.84	-0.85
Increase / (Decrease) in Invested Capital	1,551	23,869	159,655	-190,811	24,069	-5,658	3,701	788	-1,548	-1,958	-1,743
Enterprise Value (EV)	-46,236	-13,782	-19,745	-50,657	-23,989	-35,617	-24,985	-19,329	-20,948	-14,499	-9,883
Market Capitalization	15,837	18,396	17,408	14,138	19,906	16,380	22,440	23,141	24,721	34,248	43,139
Book Value per Share	$43.07	$44.75	$37.83	$35.59	$44.48	$50.85	$51.44	$41.94	$49.85	$55.58	$66.91
Tangible Book Value per Share	$41.85	$43.13	$32.36	$30.16	$36.16	$42.87	$43.31	$33.49	$41.14	$46.79	$58.02
Total Capital	23,001	21,813	18,492	17,779	21,118	22,908	22,787	18,033	19,689	20,813	23,350
Total Debt	5,359	4,910	4,998	4,678	4,848	4,352	4,944	4,357	4,362	4,366	4,371
Total Long-Term Debt	5,084	4,494	4,678	4,265	4,348	4,352	4,944	4,357	4,362	4,366	4,371
Net Debt	-62,073	-32,178	-37,153	-65,129	-44,229	-52,331	-47,759	-42,804	-46,003	-49,081	-53,356
Capital Expenditures (CapEx)	307	224	250	122	105	114	133	175	215	145	169
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-55,846	-19,101	-190,819	-33,030	-31,348	-37,855	-29,831	-30,294	-30,624	-32,216	-33,115
Debt-free Net Working Capital (DFNWC)	3,798	15,515	-151,364	2,685	15,741	-37,704	22,872	10,730	13,901	15,360	18,054
Net Working Capital (NWC)	3,523	15,099	-151,684	2,272	15,241	-37,704	22,872	10,730	13,901	15,360	18,054
Net Nonoperating Expense (NNE)	-221	279	2,754	-64	432	193	191	171	161	161	160
Net Nonoperating Obligations (NNO)	-62,383	-37,775	125,289	-65,129	-44,229	-52,173	-47,759	-42,804	-46,003	-49,081	-53,356
Total Depreciation and Amortization (D&A)	1,875	1,921	1,816	1,909	2,073	2,268	2,348	2,449	2,554	2,638	2,912
Debt-free, Cash-free Net Working Capital to Revenue	-349.74%	-116.65%	-1,111.87%	-174.25%	-151.15%	-184.45%	-133.23%	-135.47%	-124.86%	-121.41%	-116.73%
Debt-free Net Working Capital to Revenue	23.79%	94.75%	-881.97%	14.17%	75.90%	-183.72%	102.15%	47.98%	56.68%	57.89%	63.64%
Net Working Capital to Revenue	22.06%	92.21%	-883.84%	11.99%	73.49%	-183.72%	102.15%	47.98%	56.68%	57.89%	63.64%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$4.05	$2.31	($8.61)	$5.03	$5.72	$4.79	$6.71	$5.52	$8.09	$10.51	$13.51
Adjusted Weighted Average Basic Shares Outstanding	396.68M	370.19M	356.98M	359.47M	358.25M	357.51M	331.65M	313.06M	297.35M	285.39M	275.86M
Adjusted Diluted Earnings per Share	$3.96	$2.27	($8.61)	$4.95	$5.66	$4.76	$6.62	$5.44	$7.97	$10.35	$13.32
Adjusted Weighted Average Diluted Shares Outstanding	396.68M	370.19M	356.98M	359.47M	358.25M	357.51M	331.65M	313.06M	297.35M	285.39M	275.86M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	396.68M	370.19M	356.98M	359.47M	358.25M	357.51M	331.65M	313.06M	297.35M	285.39M	275.86M
Normalized Net Operating Profit after Tax (NOPAT)	1,461	600	727	1,743	2,517	2,016	2,563	2,001	2,670	3,273	3,996
Normalized NOPAT Margin	9.15%	3.66%	4.24%	9.19%	12.14%	9.82%	11.45%	8.95%	10.89%	12.34%	14.09%
Pre Tax Income Margin	9.26%	2.73%	4.21%	9.25%	12.34%	10.33%	12.97%	10.12%	12.59%	14.51%	16.78%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	5.03	2.37	3.29	6.77	8.86	9.98	13.41	11.62	16.52	20.34	24.92
NOPAT to Interest Expense	3.98	3.59	-1.19	5.73	7.21	8.18	10.95	9.34	13.39	16.44	20.08
EBIT Less CapEx to Interest Expense	4.19	1.68	2.50	6.37	8.56	9.50	12.85	10.80	15.44	19.61	24.07
NOPAT Less CapEx to Interest Expense	3.14	2.91	-1.98	5.33	6.91	7.70	10.38	8.52	12.31	15.71	19.23
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	18.79%	37.28%	-10.89%	20.97%	21.77%	27.52%	21.34%	28.97%	21.92%	18.55%	15.98%
Augmented Payout Ratio	93.10%	185.71%	-44.04%	20.97%	31.37%	37.36%	92.07%	115.23%	77.60%	66.51%	58.55%

This table displays calculated financial ratios and metrics derived from The Hartford Insurance Group's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	275,863,220.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	275,863,220.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	3.08
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	10.54%	6.38%	8.61%	7.22%	9.45%	7.48%	6.09%	7.72%	7.12%	6.69%	6.11%
EBITDA Growth	36.84%	19.29%	23.43%	17.00%	10.81%	8.57%	-6.18%	27.29%	24.60%	24.62%	22.13%
EBIT Growth	79.05%	27.26%	36.70%	33.24%	15.99%	12.51%	-13.32%	34.72%	36.66%	30.07%	32.89%
NOPAT Growth	82.16%	28.23%	37.91%	32.46%	16.71%	10.11%	-15.62%	32.95%	39.00%	31.09%	33.76%
Net Income Growth	91.47%	30.24%	40.75%	34.92%	17.82%	10.64%	-16.33%	34.82%	40.81%	32.59%	35.87%
EPS Growth	104.90%	36.81%	48.80%	41.04%	22.49%	15.66%	-12.96%	40.98%	47.27%	37.50%	41.40%
Operating Cash Flow Growth	16.44%	50.09%	25.95%	2,671.43%	-5.25%	15.18%	-10.21%	2.46%	9.54%	-3.52%	6.09%
Free Cash Flow Firm Growth	135.53%	1,614.67%	142.33%	168.61%	50.86%	20.86%	24.97%	-11.71%	-27.84%	2.19%	-37.81%
Invested Capital Growth	-6.28%	-5.31%	-5.59%	-9.85%	-9.72%	-6.38%	-7.66%	-6.80%	-4.72%	-5.34%	-2.98%
Revenue Q/Q Growth	1.97%	3.76%	0.30%	1.04%	4.09%	1.90%	-1.00%	2.60%	3.51%	1.48%	-1.54%
EBITDA Q/Q Growth	11.46%	9.88%	-1.45%	-3.06%	5.56%	7.66%	-14.84%	31.53%	3.33%	7.68%	-16.55%
EBIT Q/Q Growth	19.53%	15.76%	-3.80%	0.10%	4.05%	12.29%	-25.89%	55.58%	5.56%	6.87%	-24.28%
NOPAT Q/Q Growth	17.58%	17.33%	-2.03%	-2.00%	3.60%	10.69%	-24.92%	54.41%	8.31%	4.39%	-23.39%
Net Income Q/Q Growth	19.01%	18.43%	-2.33%	-1.99%	3.93%	11.21%	-26.14%	57.94%	8.54%	4.72%	-24.31%
EPS Q/Q Growth	20.81%	19.14%	-0.80%	-1.21%	4.92%	12.50%	-25.35%	60.00%	9.59%	5.04%	-23.23%
Operating Cash Flow Q/Q Growth	3,714.29%	-8.13%	-32.58%	14.86%	33.17%	11.68%	-47.44%	31.07%	42.37%	-1.63%	-42.20%
Free Cash Flow Firm Q/Q Growth	146.72%	-2.81%	2.69%	47.15%	2.72%	-22.14%	6.19%	3.95%	-16.05%	10.27%	-35.38%
Invested Capital Q/Q Growth	-3.85%	-4.43%	-0.30%	-0.99%	-3.73%	-1.25%	-1.50%	-0.18%	-1.71%	-1.85%	0.77%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
EBITDA Margin	24.45%	25.89%	25.44%	24.41%	24.75%	26.15%	22.50%	28.84%	28.79%	30.55%	25.89%
Operating Margin	13.99%	15.61%	14.97%	14.83%	14.83%	16.34%	12.23%	18.55%	18.92%	19.92%	15.32%
EBIT Margin	13.99%	15.61%	14.97%	14.83%	14.83%	16.34%	12.23%	18.55%	18.92%	19.92%	15.32%
Profit (Net Income) Margin	10.55%	12.05%	11.73%	11.38%	11.36%	12.40%	9.25%	14.24%	14.93%	15.41%	11.85%
Tax Burden Percent	80.07%	81.16%	82.66%	80.92%	80.57%	79.42%	80.46%	79.86%	81.94%	80.04%	80.98%
Interest Burden Percent	94.21%	95.10%	94.80%	94.80%	95.10%	95.55%	94.00%	96.14%	96.35%	96.65%	95.48%
Effective Tax Rate	19.93%	18.84%	17.34%	19.08%	19.43%	20.58%	19.54%	20.14%	18.06%	19.96%	19.02%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	17.46%	17.27%	18.26%	19.53%	19.74%	19.58%	18.49%	19.55%	20.07%	21.66%	22.74%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	4.62%	5.11%	4.93%	4.94%	4.96%	5.50%	4.12%	6.25%	6.35%	6.77%	5.23%
Return on Assets (ROA)	3.48%	3.95%	3.87%	3.79%	3.80%	4.17%	3.11%	4.80%	5.01%	5.24%	4.04%
Return on Common Equity (ROCE)	17.02%	16.87%	17.85%	19.09%	19.31%	19.17%	18.11%	19.16%	19.69%	21.25%	22.31%
Return on Equity Simple (ROE_SIMPLE)	17.00%	0.00%	17.60%	18.58%	17.81%	0.00%	17.74%	0.00%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	691	811	794	778	806	893	670	1,035	1,121	1,170	896
NOPAT Margin	11.20%	12.67%	12.37%	12.00%	11.95%	12.98%	9.84%	14.81%	15.50%	15.95%	12.41%
Net Nonoperating Expense Percent (NNEP)	-0.10%	-0.09%	-0.09%	-0.09%	-0.09%	-0.08%	-0.08%	-0.08%	-0.08%	-0.08%	-0.08%
Return On Investment Capital (ROIC_SIMPLE)	-	4.12%	-	-	-	4.29%	3.16%	4.73%	4.91%	5.01%	3.85%
Cost of Revenue to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	19.88%	18.97%	19.99%	19.81%	19.60%	19.87%	19.85%	19.14%	19.55%	20.18%	20.02%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	86.01%	84.39%	85.03%	85.17%	85.17%	83.66%	87.77%	81.45%	81.08%	80.08%	84.68%
Earnings before Interest and Taxes (EBIT)	863	999	961	962	1,001	1,124	833	1,296	1,368	1,462	1,107
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1,508	1,657	1,633	1,583	1,671	1,799	1,532	2,015	2,082	2,242	1,871
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.63	1.65	2.13	2.05	2.21	2.13	2.35	2.31	2.31	2.31	2.28
Price to Tangible Book Value (P/TBV)	2.03	2.00	2.57	2.47	2.61	2.52	2.77	2.71	2.67	2.67	2.63
Price to Revenue (P/Rev)	0.90	1.01	1.29	1.24	1.41	1.29	1.44	1.45	1.50	1.52	1.47
Price to Earnings (P/E)	9.45	9.96	11.94	10.88	12.24	11.08	13.06	12.32	11.81	11.31	10.48
Dividend Yield	2.45%	2.21%	1.74%	1.83%	1.60%	1.76%	1.60%	1.60%	1.56%	1.57%	1.66%
Earnings Yield	10.58%	10.04%	8.37%	9.19%	8.17%	9.02%	7.66%	8.12%	8.47%	8.84%	9.55%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.32	0.28	0.28	0.28	0.26	0.27	0.26	0.25	0.24	0.23	0.23
Long-Term Debt to Equity	0.32	0.28	0.28	0.28	0.26	0.27	0.26	0.25	0.24	0.23	0.23
Financial Leverage	-3.14	-3.06	-3.01	-2.99	-3.01	-2.99	-2.98	-2.94	-2.86	-2.89	-2.88
Leverage Ratio	5.49	5.16	5.10	5.13	5.08	4.96	4.95	4.90	4.69	4.71	4.72
Compound Leverage Factor	5.18	4.91	4.83	4.86	4.83	4.74	4.66	4.71	4.52	4.55	4.51
Debt to Total Capital	24.17%	22.15%	22.00%	21.77%	20.42%	20.98%	20.59%	19.96%	19.15%	18.72%	18.80%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	24.17%	22.15%	22.00%	21.77%	20.42%	20.98%	20.59%	19.96%	19.15%	18.72%	18.80%
Preferred Equity to Total Capital	1.85%	1.70%	1.68%	1.67%	1.56%	1.60%	1.57%	1.53%	1.46%	1.43%	1.44%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	73.97%	76.15%	76.31%	76.56%	78.01%	77.42%	77.83%	78.51%	79.39%	79.85%	79.77%
Debt to EBITDA	0.78	0.75	0.71	0.68	0.67	0.65	0.66	0.62	0.59	0.56	0.53
Net Debt to EBITDA	-7.73	-7.88	-7.52	-7.33	-7.52	-7.34	-7.59	-7.23	-7.03	-6.78	-6.46
Long-Term Debt to EBITDA	0.78	0.75	0.71	0.68	0.67	0.65	0.66	0.62	0.59	0.56	0.53
Debt to NOPAT	1.75	1.64	1.51	1.42	1.37	1.33	1.39	1.28	1.18	1.09	1.04
Net Debt to NOPAT	-17.31	-17.26	-16.03	-15.21	-15.44	-15.00	-15.87	-14.89	-14.04	-13.35	-12.55
Long-Term Debt to NOPAT	1.75	1.64	1.51	1.42	1.37	1.33	1.39	1.28	1.18	1.09	1.04
Altman Z-Score	1.11	1.17	1.25	1.24	1.31	1.29	1.32	1.36	1.40	1.43	1.41
Noncontrolling Interest Sharing Ratio	2.51%	2.30%	2.24%	2.24%	2.18%	2.10%	2.07%	2.01%	1.88%	1.89%	1.87%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.28	1.33	1.33	1.34	1.37	1.34	1.35	1.37	1.38	1.39	1.38
Quick Ratio	1.14	1.20	1.19	1.19	1.23	1.21	1.21	1.22	1.24	1.25	1.23
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	2,427	2,359	2,422	3,564	3,661	2,851	3,027	3,147	2,642	2,913	1,882
Operating Cash Flow to CapEx	3,405.77%	2,542.19%	2,194.00%	2,065.57%	2,796.67%	0.00%	2,592.11%	3,227.50%	4,084.44%	3,930.43%	3,370.97%
Free Cash Flow to Firm to Interest Expense	48.54	48.14	48.45	71.29	74.72	57.01	60.54	62.94	52.84	59.45	37.65
Operating Cash Flow to Interest Expense	35.42	33.20	21.94	25.20	34.24	37.48	19.70	25.82	36.76	36.90	20.90
Operating Cash Flow Less CapEx to Interest Expense	34.38	31.90	20.94	23.98	33.02	38.00	18.94	25.02	35.86	35.96	20.28
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.33	0.33	0.33	0.33	0.33	0.34	0.34	0.34	0.34	0.34	0.34
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	26.31	26.91	28.08	28.91	29.53	29.75	30.12	30.75	31.08	31.19	31.42
Accounts Payable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	-29,375	-30,676	-30,768	-31,072	-32,230	-32,634	-33,125	-33,184	-33,751	-34,377	-34,111
Invested Capital Turnover	-0.85	-0.82	-0.84	-0.86	-0.85	-0.84	-0.84	-0.85	-0.85	-0.85	-0.86
Increase / (Decrease) in Invested Capital	-1,736	-1,548	-1,628	-2,786	-2,855	-1,958	-2,357	-2,112	-1,521	-1,743	-986
Enterprise Value (EV)	-20,953	-20,948	-13,641	-14,943	-12,085	-14,499	-10,900	-10,650	-10,108	-9,883	-10,331
Market Capitalization	21,767	24,721	32,261	31,475	36,819	34,248	38,735	39,718	41,759	43,139	42,335
Book Value per Share	$43.64	$49.85	$51.17	$51.89	$56.91	$55.58	$57.85	$60.49	$64.43	$66.91	$67.26
Tangible Book Value per Share	$35.02	$41.14	$42.38	$43.15	$48.15	$46.79	$48.99	$51.64	$55.56	$58.02	$58.34
Total Capital	18,040	19,689	19,831	20,044	21,373	20,813	21,212	21,887	22,820	23,350	23,261
Total Debt	4,361	4,362	4,363	4,364	4,365	4,366	4,368	4,369	4,370	4,371	4,372
Total Long-Term Debt	4,361	4,362	4,363	4,364	4,365	4,366	4,368	4,369	4,370	4,371	4,372
Net Debt	-43,054	-46,003	-46,236	-46,752	-49,238	-49,081	-49,969	-50,702	-52,201	-53,356	-53,000
Capital Expenditures (CapEx)	52	64	50	61	60	-26	38	40	45	46	31
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-30,135	-30,624	-30,586	-30,631	-31,315	-32,216	-32,524	-32,321	-32,646	-33,115	-32,979
Debt-free Net Working Capital (DFNWC)	11,570	13,901	14,210	14,739	16,373	15,360	15,925	16,698	17,589	18,054	17,652
Net Working Capital (NWC)	11,570	13,901	14,210	14,739	16,373	15,360	15,925	16,698	17,589	18,054	17,652
Net Nonoperating Expense (NNE)	40	40	41	40	39	40	40	40	41	39	40
Net Nonoperating Obligations (NNO)	-43,054	-46,003	-46,236	-46,752	-49,238	-49,081	-49,969	-50,702	-52,201	-53,356	-53,000
Total Depreciation and Amortization (D&A)	645	658	672	621	670	675	699	719	714	780	764
Debt-free, Cash-free Net Working Capital to Revenue	-124.82%	-124.86%	-122.17%	-120.25%	-120.18%	-121.41%	-120.79%	-117.84%	-116.98%	-116.73%	-114.57%
Debt-free Net Working Capital to Revenue	47.92%	56.68%	56.76%	57.86%	62.84%	57.89%	59.14%	60.88%	63.02%	63.64%	61.33%
Net Working Capital to Revenue	47.92%	56.68%	56.76%	57.86%	62.84%	57.89%	59.14%	60.88%	63.02%	63.64%	61.33%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.12	$2.53	$2.51	$2.48	$2.60	$2.92	$2.18	$3.49	$3.82	$4.02	$3.08
Adjusted Weighted Average Basic Shares Outstanding	300.77M	297.35M	295.76M	293.01M	289.89M	285.39M	284.10M	281.17M	278.65M	275.86M	274.13M
Adjusted Diluted Earnings per Share	$2.09	$2.49	$2.47	$2.44	$2.56	$2.88	$2.15	$3.44	$3.77	$3.96	$3.04
Adjusted Weighted Average Diluted Shares Outstanding	300.77M	297.35M	295.76M	293.01M	289.89M	285.39M	284.10M	281.17M	278.65M	275.86M	274.13M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	300.77M	297.35M	295.76M	293.01M	289.89M	285.39M	284.10M	281.17M	278.65M	275.86M	274.13M
Normalized Net Operating Profit after Tax (NOPAT)	692	812	795	778	807	893	670	1,035	1,121	1,170	896
Normalized NOPAT Margin	11.22%	12.69%	12.39%	12.00%	11.96%	12.98%	9.84%	14.81%	15.50%	15.95%	12.41%
Pre Tax Income Margin	13.18%	14.84%	14.19%	14.06%	14.10%	15.61%	11.50%	17.83%	18.22%	19.25%	14.63%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	17.26	20.39	19.22	19.24	20.43	22.48	16.66	25.92	27.36	29.84	22.14
NOPAT to Interest Expense	13.82	16.55	15.89	15.57	16.46	17.85	13.40	20.70	22.42	23.88	17.93
EBIT Less CapEx to Interest Expense	16.22	19.08	18.22	18.02	19.20	23.00	15.90	25.12	26.46	28.90	21.52
NOPAT Less CapEx to Interest Expense	12.78	15.24	14.89	14.35	15.23	18.37	12.64	19.90	21.52	22.94	17.31
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	23.35%	21.92%	20.43%	19.29%	18.79%	18.55%	19.61%	18.34%	16.98%	15.98%	15.51%
Augmented Payout Ratio	84.00%	77.60%	71.45%	66.60%	65.10%	66.51%	72.12%	68.60%	63.21%	58.55%	56.57%

Financials Breakdown Chart

Key Financial Trends

MarketBeat’s takeaway on Hartford Insurance Group, Inc. (HIG) from the four-year set of quarterly statements (2022–2025) shows durable revenue and earnings momentum, a substantial investment portfolio, and ongoing shareholder capital returns. The company’ s balance sheet has grown meaningfully, with steady debt levels and robust cash generation from operations, though investing and financing activities have driven net cash outflows in several periods.

Revenue and earnings growth: Operating revenue rose from about $6.02B in 2022 Q4 to about $7.34B in 2025 Q4, with total revenue tracking this uptrend.
Net income to common increased materially: Net income to common grew from roughly $587M in 2022 Q4 to about $1.126B in 2025 Q4.
Earnings per share expansion: Basic EPS rose from about $2.92 (2024 Q4) to $4.02 (2025 Q4) with diluted EPS near $3.96 in the same period.
Shareholder returns: Hartford maintained a steady dividend per share around $0.52 and conducted regular share repurchases around $0.39–0.40B per quarter in 2025.
Balance sheet expansion: Total assets grew from about $80.9B (2024 Q4) to roughly $85.0B by 2025 Q3, with total equity climbing to about $18.1B, indicating stronger capitalization.
Cash flow from operations remains solid: Net cash from continuing operating activities generally ranged around $1.0B–$1.8B per quarter, with 2025 Q4 at about $1.81B.
Investing activity patterns: Net cash from continuing investing activities consistently showed negative outflows (roughly -$0.4B to -$1.3B per quarter in 2025), reflecting ongoing deployment into investments and PPE.
Financing outflows: Net cash from continuing financing activities were negative across 2025 quarters due to stock repurchases and dividends (approximately -$0.54B in 2025 Q4).
Cash position modestly declined: Net change in cash and equivalents was negative in several 2025 periods (e.g., -$29M in 2025 Q4), despite strong operating cash flow.
Investment portfolio risk: Hartford’s sizable short-term investments (~$50B in most 2025 periods) and long-term investments (~$6B) create sensitivity to market conditions, which could impact book value and liquidity in stress scenarios.

05/12/26 01:43 PM ETAI Generated. May Contain Errors.

The Hartford Insurance Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, The Hartford Insurance Group's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

The Hartford Insurance Group's net income appears to be on an upward trend, with a most recent value of $3.84 billion in 2025, rising from $1.68 billion in 2015. The previous period was $3.11 billion in 2024. Check out The Hartford Insurance Group's forecast to explore projected trends and price targets.

The Hartford Insurance Group's total operating income in 2025 was $4.96 billion, based on the following breakdown:

Total Gross Profit: $28.37 billion
Total Operating Expenses: $23.41 billion

Over the last 10 years, The Hartford Insurance Group's total revenue changed from $15.97 billion in 2015 to $28.37 billion in 2025, a change of 77.7%.

The Hartford Insurance Group's total liabilities were at $67.02 billion at the end of 2025, a 4.0% increase from 2024, and a 68.2% decrease since 2015.

In the past 10 years, The Hartford Insurance Group's cash and equivalents has ranged from $112 million in 2018 to $448 million in 2015, and is currently $133 million as of their latest financial filing in 2025.

Over the last 10 years, The Hartford Insurance Group's book value per share changed from 43.07 in 2015 to 66.91 in 2025, a change of 55.4%.

Related Companies

Financial statements for NYSE:HIG last updated on 4/28/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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The Hartford Insurance Group (HIG) Financials

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The Hartford Insurance Group (HIG) Financials

Annual Income Statements for The Hartford Insurance Group

Quarterly Income Statements for The Hartford Insurance Group

Annual Cash Flow Statements for The Hartford Insurance Group

Quarterly Cash Flow Statements for The Hartford Insurance Group

Annual Balance Sheets for The Hartford Insurance Group

Quarterly Balance Sheets for The Hartford Insurance Group

Annual Metrics And Ratios for The Hartford Insurance Group

Quarterly Metrics And Ratios for The Hartford Insurance Group

Financials Breakdown Chart

Key Financial Trends

The Hartford Insurance Group Financials - Frequently Asked Questions

When does The Hartford Insurance Group's financial year end?

How has The Hartford Insurance Group's net income changed over the last 10 years?

What is The Hartford Insurance Group's operating income?

How has The Hartford Insurance Group's revenue changed over the last 10 years?

How much debt does The Hartford Insurance Group have?

How much cash does The Hartford Insurance Group have?

How has The Hartford Insurance Group's book value per share changed over the last 10 years?

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