The Hartford Financial Services Group, Inc., together with its subsidiaries, provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Commercial Lines segment offers insurance coverages, including workers' compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, livestock, accident, health, and reinsurance through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channels and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures. The company's Group Benefits segment provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through direct insurance policies; reinsurance to other insurance companies; employer paid and voluntary product coverages; disability underwriting, administration, and claims processing to self-funded employer plans; and leave management solution. This segment also distributes its group insurance products and services through brokers, consultants, third-party administrators, trade associations, and private exchanges. Its Hartford Funds segment offers managed mutual funds across various asset classes; and exchange-traded funds through broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers, as well as investment management, distribution, and administrative services, such as product design, implementation, and oversight. The company was founded in 1810 and is headquartered in Hartford, Connecticut.

The Hartford Insurance Group, Inc. presents a mixed financial picture. The P/E ratio is significantly below the industry median, suggesting potential undervaluation, but the price-to-sales and price-to-free cash flow ratios are also low, indicating potential pricing pressure. The company's operating margin and net profit margin are below industry averages, which raises concerns about its operational efficiency. However, its return on equity and return on assets are significantly above the industry median, reflecting strong profitability and effective asset management. The company's net income and revenue have shown robust growth, which bodes well for its financial health. On the downside, the current and quick ratios indicate liquidity challenges, which could pose a risk in a downturn. Additionally, the lack of dividend yield raises questions about shareholder returns. Overall, while The Hartford shows strong profitability metrics, its operational and liquidity challenges warrant caution when considering its valuation.

The Hartford Insurance Group, Inc.

Looking at the universe of stocks we cover at Dividend Channel, on 3/2/26, Perrigo Company plc (Symbol: PRGO), Hartford Insurance Group Inc (Symbol: HIG), and Sprott Inc (Symbol: SII) will all trade ex-dividend for their respective upcoming dividends. Perrigo Company plc will pay its quarterly dividend of $0.29 on 3/24/26, Hartford Insurance Group Inc will pay its quarterly dividend of $0.60 on 4/2/26, and Sprott Inc will pay its quarterly dividend of $0.40 on 3/17/26. As a percentage of PRGO's recent stock price of $14.41, this dividend works out to approximately 2.01%, so look for shares of Perrigo Company plc to trade 2.01% lower — all else being equal — when PRGO shares open for trading on 3/2/26. Similarly, investors should look for HIG to open 0.43% lower in price and for SII to open 0.25% lower, all else being equal.
Below are dividend history charts for PRGO, HIG, and SII, showing historical dividends prior to the most recent ones declared.
Perrigo Company plc (Symbol: PRGO):
Hartford Insurance Group Inc (Symbol: HIG):
Sprott Inc (Symbol: SII):
In general, dividends are not always predictable, following the ups and downs of company profits over time. Therefore, a good first due diligence step in forming an expectation of annual yield going forward, is looking at the history above, for a sense of stability over time. This can help in judging whether the most recent dividends from these companies are likely to continue. If they do continue, the current estimated yields on annualized basis would be 8.05% for Perrigo Company plc, 1.70% for Hartford Insurance Group Inc, and 0.99% for Sprott Inc.
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In Thursday trading, Perrigo Company plc shares are currently down about 1.4%, Hartford Insurance Group Inc shares are up about 0.4%, and Sprott Inc shares are up about 3.4% on the day.
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Ex-Dividend Reminder: Perrigo, Hartford Insurance Group and Sprott

The Progressive Corporation PGR reported earnings per share of $1.98 for January 2026, which jumped 4% year over year. The improvement stemmed from higher revenues and a rise in investment income, partially offset by an increase in expenses.
January Numbers in Detail
Progressive recorded net premiums written of $6.7 billion, up 4% from $6.5 billion in the year-ago month. Net premiums earned were about $6.9 billion, up 5% from $6.5 billion reported in the year-ago month.
Net realized income on securities was $103 million, which declined 6% from the year-ago month.
Combined ratio — the percentage of premiums paid out as claims and expenses — deteriorated 30 basis points (bps) year over year to 84.4.
PGR’s total revenues were $7.5 billion, up 5.3% year over year, owing to a 5% increase in premiums, a 16% jump in investment income, a 4.2% rise in fees and other revenues, and 14.2% higher service revenues.
Total expenses increased 5.5% to $6 billion, mainly due to higher losses and loss adjustment expenses, policy acquisition costs, other underwriting expenses, and service expenses.
In January 2026, policies in force (PIF) were impressive for both Vehicle and Property businesses. In the Vehicle business, the Personal Auto segment recorded a 10% year-over-year increase to 37.6 million policies. Special Lines policies increased 7% from the year-earlier month to 7 million.
In Progressive’s Personal Auto segment, Agency Auto PIF increased 10% to 10.8 million, while Direct Auto improved 14% to 16.1 million.
PGR’s Commercial Auto segment policies rose 4% year over year to 1.2 million.
The Property business had 3.6 million policies in force in the reported month, up 3% year over year.
The company’s book value per share was $53.24 as of Jan. 31, 2026, up 16.4% from $45.75 on Jan. 31, 2025.
In the trailing 12 months, the return on equity was 38.9%, having expanded 130 bps from 37.6% in January 2025. The debt-to-total-capital ratio improved 230 bps year over year to 18.1 as of Jan. 31, 2026.
Price Performance
Progressive shares have lost 24.6% in the past year against the industry’s growth of 3.5%.
Image Source: Zacks Investment Research
Zacks Rank
Progressive currently carries a Zacks Rank #3 (Hold).
Stocks to Consider
Some better-ranked stocks from the insurance industry are NMI Holdings Inc. NMIH, The Hartford Insurance Group, Inc. HIG and The Hanover Insurance Group, Inc. THG, each carrying a Zacks Rank #2 (Buy) at present. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
NMI Holdings’s earnings surpassed estimates in three of the last four quarters and matched in one, the average surprise being 6.02%. Shares of NMIH have jumped 12.8% in the past year. The Zacks Consensus Estimate for NMIH’s 2026 and 2027 earnings implies year-over-year growth of 3.6% and 7.7%, respectively.
The Hartford Insurance’s earnings surpassed estimates in each of the last four quarters, the average surprise being 18.81%. Shares of HIG have jumped 25.1% in the past year. The Zacks Consensus Estimate for HIG’s 2027 revenues implies year-over-year growth of 8.1%.
The Hanover Insurance’s earnings surpassed estimates in each of the last four quarters, the average surprise being 23.86%. Shares of THG have jumped 9.7% in the past year. The Zacks Consensus Estimate for THG’s 2027 earnings implies year-over-year growth of 5.7%.
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Progressive's January Earnings Increase Y/Y on Higher Premiums

The Allstate Corporation ALL reported a fourth-quarter 2025 adjusted net income of $14.31 per share, which outpaced the Zacks Consensus Estimate by 45.7%. The bottom line surged 86.6% year over year.
Operating revenues of $17.3 billion grew 3.4% year over year. However, the top line missed the consensus mark by 1.4%.
Allstate’s quarterly results benefited from higher property and casualty insurance premiums, improved net investment income and significantly lower catastrophe losses. A lower expense level and strong underwriting performance also contributed to the upside.
The Allstate Corporation Price, Consensus and EPS Surprise
Key Takeaways From Allstate’s Q4 Results
Property and casualty insurance premiums improved 6.3% year over year to $15.5 billion. Net investment income of $892 million advanced 7.1% year over year on the back of a growing market-based portfolio. The metric beat the Zacks Consensus Estimate of $875 million and our estimate of $883 million. Market-based investment income rose 10.6% year over year to $804 million in the quarter under review.
Total costs and expenses came in at $12.4 billion, which decreased 11.6% year over year and came lower than our estimate of $15.2 billion. The year-over-year decline was due to decreased property and casualty insurance claims and claims expenses, accident, health and other policy benefits, and operating costs and expenses. Catastrophe losses of $209 million dropped 49% year over year.
Allstate’s pretax income doubled year over year to $4.9 billion.
As of Dec. 31, 2025, total policies in force were 210.9 million, up 3% year over year.
ALL’s Segmental Performances
The Property-Liability segment recorded premiums earned of $14.8 billion in the fourth quarter, which rose 6.1% year over year, attributable to increased auto and homeowners insurance average premiums and policies in force. However, the metric fell short of the Zacks Consensus Estimate of $14.9 billion and our estimate of $15 billion. Underwriting income in the unit more than doubled year over year to $4 billion. The underlying combined ratio of 76.6% improved 640 basis points year over year.
The Protection Services segment’s revenues advanced 3.1% year over year to $917 million, aided by Allstate Protection Plans and Roadside businesses. However, the metric lagged our estimate of $1 billion. Adjusted net income of $57 million improved 14% year over year.
Financial Update (As of Dec. 31, 2025)
Allstate exited the fourth quarter with a cash balance of $678 million, which fell 3.7% from the 2024-end level. Total assets of $119.8 billion increased 7.3% from the figure at 2024-end.
Debt amounted to $7.5 billion, down 7.4% from the figure as of Dec. 31, 2024.
Total equity of $30.6 billion climbed 43.2% from the 2024-end level.
Book value per common share was $108.45 as of Dec. 31, 2025, up 49.9% year over year.
Capital Deployment Update
In 2025, Allstate rewarded more than $2.2 billion to shareholders via share buybacks and dividend payments. Management authorized a new share repurchase program of $4 billion, which will begin once the current $1.5 billion program is fully completed. This new program will be carried out over a 24-month period.
A quarterly dividend hike of 8% was also sanctioned. The increased dividend, amounting to $1.08 per share, will be paid out on April 1, 2026, to shareholders of record as of March 2, 2026.
ALL’s 2025 Figures
Allstate’s 2025 revenues of $67.7 billion rose 5.6% year over year. Full-year adjusted net income of $34.83 per share soared 90.1% year over year. Premiums earned in the Property-Liability unit advanced 7.1% year over year to $57.7 billion.
ALL’s Zacks Rank
Allstate currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Insurers
Of the insurance industry players that have reported fourth-quarter 2025 results so far, the bottom-line results of The Hartford Insurance Group, Inc. HIG, AXIS Capital Holdings Limited AXS and Selective Insurance Group, Inc. SIGI beat the respective Zacks Consensus Estimate.
Hartford Insurance reported fourth-quarter 2025 adjusted operating earnings of $4.06 per share, which surpassed the Zacks Consensus Estimate by 27.9%. The bottom line climbed 38% year over year. HIG's operating revenues rose 8.9% year over year to $5.2 billion. The top line beat the consensus mark by 1.4%. Earned premiums amounted to $6.1 billion, which advanced 5.7% year over year. Net investment income increased 16.5% year over year to $832 million. Pre-tax income climbed 31.6% year over year to $1.4 billion.
Revenues in the Business Insurance segment totaled $4.1 billion, reflecting a 9.5% jump, and beat the Zacks Consensus Estimate by 1.4%. Core earnings of $915 million improved 37.6% year over year. The combined ratio improved 380 basis points year over year to 83.6%. In the Personal Insurance unit, revenues amounted to $1 billion, which beat the consensus estimate by 2.7%. This segment generated core earnings of $214 million, reflecting an increase of approximately 38% year over year.
AXIS Capital reported fourth-quarter 2025 operating income of $3.25 per share, which outpaced the Zacks Consensus Estimate by 9.4% and rose 9.4% year over year. Total operating revenues of $1.7 billion beat the consensus estimate by 5.2%. The top line rose nearly 9% year over year.
Net premiums written rose 13% to $1.4 billion, with an increase of 14% in the Insurance segment and growth of 5% in the Reinsurance segment. Net investment income decreased 4.5% year over year to $187 million. AXIS Capital’s underwriting income of $184 million increased 42% year over year. The combined ratio improved to 90.4 in the quarter from 94.2 a year ago.
Selective Insurance 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 59% year over year. Total revenues of $1.4 billion increased 8.3% from the year-ago quarter’s level. The top line marginally exceeded the Zacks Consensus Estimate by 0.1%. On a year-over-year basis, net premiums written (NPW) increased 4% to $1.1 billion. Net investment income increased 17% year over year to $114 million.
Underwriting income of $76 million more than quadrupled year over year. The combined ratio improved 470 basis points year over year to 93.8 from 98.5. Standard Commercial Lines’ NPW was up 5% year over year to $875.6 million. The combined ratio improved significantly to 92.9 from 100.2 a year ago, reflecting a 730-basis-point improvement. Standard Personal Lines’ NPW declined 8% year over year to $95.5 million. Policy count fell. The combined ratio was 103, worsening 1,130 basis points from 91.7 a year ago. Excess & Surplus Lines’ NPW increased 4% year over year to $158.4 million.
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Allstate Q4 Earnings Beat Estimates on Property-Liability Unit Strength

RenaissanceRe Holdings Ltd. RNR reported fourth-quarter 2025 operating income of $13.34 per share, which surpassed the Zacks Consensus Estimate by 26%. The bottom line surged 65.5% year over year.
Total operating revenues declined 6% year over year to $2.8 billion. The top line missed the consensus mark by 5.7%.
The quarterly results were aided by a rise in net investment income and strong underwriting results. Total expenses dropped year over year, thanks to declines in claims expenses, acquisition and operational costs. However, the upside is partly offset by lower premiums in general casualty and specialty lines, and the Property segment.
RenaissanceRe Holdings Ltd. Price, Consensus and EPS Surprise
RenaissanceRe’s Quarterly Operational Update
Gross premiums written of $1.8 billion tumbled 4.1% year over year and missed our estimate of $1.9 billion.
Net premiums earned fell 7.6% year over year to $2.3 billion. The metric fell short of the Zacks Consensus Estimate and our estimate of $2.5 billion.
Net investment income of $446.7 million advanced 4.2% year over year in the quarter under review on the back of increased average invested assets. The metric beat the consensus mark of $439 million and our estimate of $439.2 million.
Total expenses came in at $1.7 billion, which dropped 28.1% year over year and came lower than our estimate of $2.3 billion. The year-over-year decline resulted from a decline in net claims and claim expenses incurred, acquisition costs and operational expenses.
RenaissanceRe’s underwriting income increased more than threefold year over year to $668.8 million in the fourth quarter. The combined ratio of 71.4% improved 2,030 basis points (bps) year over year.
Book value per common share was $247.00 as of Dec. 31, 2025, up 26.2% year over year. Annualized operating return on average common equity improved 630 bps year over year to 22.3%.
RenaissanceRe’s Segmental Update
Property Segment
The segment’s gross premiums written declined 11.3% year over year to $346.1 million in the fourth quarter, lower than our estimate of $381.9 million.
Net premiums earned of $918.8 million slid 2.1% year over year. The reported figure missed the Zacks Consensus Estimate and our estimate of $1 billion.
It generated an underwriting income of $718.9 million, which increased nearly threefold year over year. The combined ratio improved 4,980 bps year over year to 21.8%.
Casualty & Specialty Segment
The unit recorded gross premiums written of $1.5 billion in the quarter under review, which decreased 2.3% year over year and came lower than our estimate of $1.6 billion. The metric was hurt by reduced premiums derived from the general casualty and specialty lines of business.
Net premiums earned tumbled 10.9% year over year to $1.42 billion. The reported figure marginally missed the Zacks Consensus Estimate and our estimate of $1.5 billion.
The segment incurred an underwriting loss of $50.1 million, narrower than the prior-year quarter’s loss of $58.3 million. The combined ratio improved 20 bps year over year to 103.5%.
RenaissanceRe’s Financial Position (As of Dec. 31, 2025)
RenaissanceRe exited the fourth quarter with cash and cash equivalents of $1.7 billion, which improved 3.3% from the 2024-end level.
Total assets of $53.8 billion increased 6.1% from the figure at 2024-end.
Debt amounted to $2.3 billion, up 23.5% from the figure as of Dec. 31, 2024.
Total shareholders’ equity of $11.6 billion rose 9.8% from the 2024-end level.
RenaissanceRe’s Share Repurchase Update
RenaissanceRe bought back common shares worth around $650.5 million in the fourth quarter. From Jan. 1, 2026, to Jan. 30, 2026, additional share repurchases of $113.4 million were made.
RNR’s Full-Year Update
Gross premiums written inched up marginally year over year to $11.7 billion in 2025. Net premiums earned of $9.9 billion dipped 1.9% year over year.
Operating income came in at $39.10 per share, down 9% year over year.
RNR’s Zacks Rank
RenaissanceRe currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Insurers
Of the insurance industry players that have reported fourth-quarter 2025 results so far, the bottom-line results of The Hartford Insurance Group, Inc. HIG, AXIS Capital Holdings Limited AXS and Selective Insurance Group, Inc. SIGI beat the respective Zacks Consensus Estimate.
Hartford Insurance reported fourth-quarter 2025 adjusted operating earnings of $4.06 per share, which surpassed the Zacks Consensus Estimate by 27.9%. The bottom line climbed 38% year over year. HIG's operating revenues rose 8.9% year over year to $5.2 billion. The top line beat the consensus mark by 1.4%. Earned premiums amounted to $6.1 billion, which advanced 5.7% year over year. Net investment income increased 16.5% year over year to $832 million. Pre-tax income climbed 31.6% year over year to $1.4 billion.
Revenues in the Business Insurance segment totaled $4.1 billion, reflecting a 9.5% jump, and beat the Zacks Consensus Estimate by 1.4%. Core earnings of $915 million improved 37.6% year over year. The combined ratio improved 380 basis points year over year to 83.6%. In the Personal Insurance unit, revenues amounted to $1 billion, which beat the consensus estimate by 2.7%. This segment generated core earnings of $214 million, reflecting an increase of approximately 38% year over year.
AXIS Capital reported fourth-quarter 2025 operating income of $3.25 per share, which outpaced the Zacks Consensus Estimate by 9.4% and rose 9.4% year over year. Total operating revenues of $1.7 billion beat the consensus estimate by 5.2%. The top line rose nearly 9% year over year.
Net premiums written rose 13% to $1.4 billion, with an increase of 14% in the Insurance segment and growth of 5% in the Reinsurance segment. Net investment income decreased 4.5% year over year to $187 million. AXIS Capital’s underwriting income of $184 million increased 42% year over year. The combined ratio improved to 90.4 in the quarter from 94.2 a year ago.
Selective Insurance 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 59% year over year. Total revenues of $1.4 billion increased 8.3% from the year-ago quarter’s level. The top line marginally exceeded the Zacks Consensus Estimate by 0.1%. On a year-over-year basis, net premiums written (NPW) increased 4% to $1.1 billion. Net investment income increased 17% year over year to $114 million.
Underwriting income of $76 million more than quadrupled year over year. The combined ratio improved 470 basis points year over year to 93.8 from 98.5. Standard Commercial Lines’ NPW was up 5% year over year to $875.6 million. The combined ratio improved significantly to 92.9 from 100.2 a year ago, reflecting a 730-basis-point improvement. Standard Personal Lines’ NPW declined 8% year over year to $95.5 million. Policy count fell. The combined ratio was 103.0, worsening 1,130 basis points from 91.7 a year ago. Excess & Surplus Lines’ NPW increased 4% year over year to $158.4 million.
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RNR Q4 Earnings Beat on Lower Claims Costs, Strong Investment Results

The Hartford Insurance Group, Inc. HIG reported fourth-quarter 2025 adjusted operating earnings of $4.06 per share, which surpassed the Zacks Consensus Estimate by 27.9%. The bottom line climbed 38% year over year.
HIG's operating revenues rose 8.9% year over year to $5.2 billion on the back of improved earned premiums, fee income, and investment income. The top line beat the consensus mark by 1.4%.
Financial results benefited from higher net investment income, favourable prior accident year development (PYD) and lower P&C catastrophe losses. Also, higher earned premium, and improvement in the Personal Insurance underlying loss and LAE ratio benefited the results, partially offset by increased expense ratios in Employee Benefits and P&C.
The Hartford Insurance Group, Inc. Price, Consensus and EPS Surprise
The Hartford Insurance Group, Inc. price-consensus-eps-surprise-chart | The Hartford Insurance Group, Inc. Quote
HIG’s Q4 Operations
Earned premiums amounted to $6.1 billion, which advanced 5.7% year over year but fell short of the Zacks Consensus Estimate by 0.3%.
Net investment income increased 16.5% year over year to $832 million, exceeding the consensus estimate by 11.9%. The outperformance was driven by higher income from limited partnerships and other alternative investments, growth in invested assets, and reinvestment at higher interest rates, partly offset by lower yields on variable-rate securities.
Total benefits, losses, and expenses of $5.9 billion increased 2.1% year over year due to higher amortization of DAC and insurance operating expenses.
Pre-tax income climbed 31.6% year over year to $1.4 billion.
HIG’s Segmental Update
Business Insurance
Revenues in the segment totaled $4.1 billion, reflecting a 9.5% jump, and beat the Zacks Consensus Estimate by 1.4%. Core earnings of $915 million improved 37.6% year over year, attributable to higher earned premiums and increased net investment income.
The combined ratio improved 380 basis points year over year to 83.6%. The losses and loss adjustment expense ratio of 51.5% improved 480 bps year over year.
Personal Insurance
Revenues in the segment amounted to $1 billion, which beat the consensus estimate by 2.7%. This segment generated core earnings of $214 million, reflecting an increase of approximately 38% year over year.
Underwriting performance improved materially, with the combined ratio improving 620 basis points year over year to 79.6%.
P&C Other Ops
Revenues in the unit improved 5.6% year over year to $19 million, which beat the consensus estimate by 2.7%. This segment generated core loss of $140 million, reflecting a deterioration from a loss of $106 million a year ago.
Employee Benefits
The segment recorded revenues of $1.8 billion, which increased 1.6% year over year but fell short of the Zacks Consensus Estimate by 1.2%. Core earnings declined 0.7% year over year to $138 million due to a higher expense ratio and increased group disability loss ratio.
The loss ratio deteriorated 70 basis points year over year to 71.3%.
Hartford Funds
Revenues increased 7.4% year over year to $292 million, which beat the consensus mark of $283 million. Core earnings of $58 million advanced 13.7% year over year.
The segment’s daily average assets under management totaled $153.4 billion, up 7.9% year over year.
Corporate
The unit posted revenues of $37 million, which remained flat year over year and topped the consensus estimate of $25.3 million. The unit incurred a core loss of $37 million, narrower than the year-ago quarter’s loss of $39 million.
Financial Update (as of Dec. 31, 2025)
Hartford exited the fourth quarter with cash of $133 million, which declined 27.3% from the 2024-end level. Total investments of $64 billion increased 8% from the 2024-end figure.
Total assets of $86 billion grew 6.3% from the 2024-end figure.
Debt amounted to $4.4 billion, which inched up marginally from the figure as of Dec. 31, 2024.
Total stockholders’ equity improved 15.4% from the 2024-end level to $19 billion.
Book value per share was $66.31, which advanced 20.4% year over year.
Core earnings’ return on equity in the trailing 12 months improved 270 bps year over year to 19.4% at the end of the fourth quarter.
Capital Deployment Update
The company returned $546 million to stockholders in the fourth quarter, comprising $400 million in share repurchases and $146 million in common stockholder dividends. For 2025, total capital returned amounted to $2.2 billion, including $1.6 billion through share buybacks and $592 million in dividends paid.
Full-Year Update
Adjusted operating earnings amounted to $13.42 per share (for 2025), which surged 30% year over year. Revenues totaled $20 billion.
Net earned premiums rose 6.5% year over year to $24 billion in 2025. Net investment income of $2.9 billion increased 13.4% year over year.
Zacks Rank
HIG currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Insurers
The Travelers Companies, Inc. TRV reported fourth-quarter 2025 core income of $11.13 per share, which beat the Zacks Consensus Estimate by 32% and improved 22% year over year. Travelers’ total revenues increased 3.2% from the year-ago quarter to $12.4 billion, primarily driven by higher premiums, net investment income and other revenues. The top line beat the Zacks Consensus Estimate by 0.08%.
Net written premiums increased 1% year over year to a record $10.8 billion. Net investment income increased 10.3% year over year to $1 billion. The figure matched the Zacks Consensus Estimate.
AXIS Capital Holdings Limited AXS reported fourth-quarter 2025 operating income of $3.25 per share, which outpaced the Zacks Consensus Estimate by 9.4% and rose 9.4% year over year.
Total operating revenues of $1.7 billion beat the Zacks Consensus Estimate by 5.2%. The top line rose nearly 9% year over year on higher premiums earned. Net premiums written rose 13% to $1.4 billion, with an increase of 14% in the Insurance segment, and growth of 5% in the Reinsurance segment.
Selective 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 59% year over year.
Total revenues of $1.4 billion increased 8.3% from the year-ago quarter’s level, driven primarily by higher net premiums earned and net investment income. The top line slightly marginally exceeded the Zacks Consensus Estimate by 0.1%.
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HIG Posts Q4 Earnings Beat on Higher Premiums & Investment Income

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The Hartford (HIG) Q4 2025 Earnings Transcript

Hartford Financial Services Group Q4 25 Earnings Conference Call At 9:00 AM ET

The Hartford Insurance Group (HIG) reported $5.22 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 8.9%. EPS of $4.06 for the same period compares to $2.94 a year ago.
The reported revenue represents a surprise of +1.39% over the Zacks Consensus Estimate of $5.14 billion. With the consensus EPS estimate being $3.17, the EPS surprise was +27.93%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how The Hartford Insurance Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Personal Insurance - Loss and loss adjustment expense ratio: 53.3% compared to the 64% average estimate based on five analysts.
Business Insurance- Expense ratio: 31.8% versus the five-analyst average estimate of 30.9%.
Business Insurance- Combined ratio: 83.6% versus 89.7% estimated by five analysts on average.
Business Insurance- Underlying combined ratio: 88.1% compared to the 88.6% average estimate based on five analysts.
Revenue- Earned Premium- Personal Insurance: $945 million versus the six-analyst average estimate of $946.67 million. The reported number represents a year-over-year change of +4.3%.
Revenue- Property and Casualty- Net investment income: $656 million versus the six-analyst average estimate of $585.46 million. The reported number represents a year-over-year change of +16.7%.
Employee Benefits- Total revenues: $1.8 billion versus $1.82 billion estimated by six analysts on average.
Employee Benefits- Net investment income: $153 million versus $135.87 million estimated by six analysts on average.
Employee Benefits- Premiums and other considerations: $1.66 billion versus $1.68 billion estimated by six analysts on average.
Business Insurance- Fee income: $12 million compared to the $10.96 million average estimate based on six analysts.
Business Insurance- Earned premiums: $3.6 billion versus the six-analyst average estimate of $3.58 billion.
Revenue- Fee income- Personal Insurance: $8 million versus $8.21 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a -11.1% change.
Shares of The Hartford Insurance Group have returned -5.2% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Here's What Key Metrics Tell Us About The Hartford Insurance Group (HIG) Q4 Earnings

(RTTNews) - Hartford Financial Services Group Inc. (HIG) released earnings for its fourth quarter that Increases, from the same period last year
The company's bottom line came in at $1.12 billion, or $3.98 per share. This compares with $848 million, or $2.88 per share, last year.
Excluding items, Hartford Financial Services Group Inc. reported adjusted earnings of $1.14 billion or $4.06 per share for the period.
The company's revenue for the period rose 6.7% to $7.33 billion from $6.87 billion last year.
Hartford Financial Services Group Inc. earnings at a glance (GAAP) :
-Earnings: $1.12 Bln. vs. $848 Mln. last year. -EPS: $3.98 vs. $2.88 last year. -Revenue: $7.33 Bln vs. $6.87 Bln last year.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Hartford Financial Services Group Inc. Q4 Profit Climbs

The following companies are expected to report earnings after hours on 01/29/2026. Visit our Earnings Calendar for a full list of expected earnings releases.
Apple Inc. (AAPL)is reporting for the quarter ending December 31, 2025. The computer company's consensus earnings per share forecast from the 12 analysts that follow the stock is $2.65. This value represents a 10.42% increase compared to the same quarter last year. In the past year AAPL has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 6.94%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for AAPL is 31.39 vs. an industry ratio of -1.60, implying that they will have a higher earnings growth than their competitors in the same industry.
Visa Inc. (V)is reporting for the quarter ending December 31, 2025. The financial transactions company's consensus earnings per share forecast from the 14 analysts that follow the stock is $3.14. This value represents a 14.18% increase compared to the same quarter last year. In the past year V has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 0.34%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for V is 25.51 vs. an industry ratio of 13.70, implying that they will have a higher earnings growth than their competitors in the same industry.
KLA Corporation (KLAC)is reporting for the quarter ending December 31, 2025. The electrical instrument company's consensus earnings per share forecast from the 7 analysts that follow the stock is $8.82. This value represents a 7.56% increase compared to the same quarter last year. In the past year KLAC has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 3.04%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for KLAC is 45.59 vs. an industry ratio of 4.40, implying that they will have a higher earnings growth than their competitors in the same industry.
Stryker Corporation (SYK)is reporting for the quarter ending December 31, 2025. The medical products company's consensus earnings per share forecast from the 11 analysts that follow the stock is $4.40. This value represents a 9.73% increase compared to the same quarter last year. In the past year SYK has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 1.59%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for SYK is 26.39 vs. an industry ratio of 24.70, implying that they will have a higher earnings growth than their competitors in the same industry.
Western Digital Corporation (WDC)is reporting for the quarter ending December 31, 2025. The computer storage company's consensus earnings per share forecast from the 4 analysts that follow the stock is $1.83. This value represents a 18.06% increase compared to the same quarter last year. WDC missed the consensus earnings per share in the 4th calendar quarter of 2024 by -0.64%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for WDC is 39.01 vs. an industry ratio of 31.10, implying that they will have a higher earnings growth than their competitors in the same industry.
Deutsche Bank AG (DB)is reporting for the quarter ending December 31, 2025. The bank (foreign) company's consensus earnings per share forecast from the 1 analyst that follows the stock is $0.72. This value represents a 350.00% increase compared to the same quarter last year. Zacks Investment Research reports that the 2025 Price to Earnings ratio for DB is 10.77 vs. an industry ratio of 13.70.
Arthur J. Gallagher & Co. (AJG)is reporting for the quarter ending December 31, 2025. The insurance brokers company's consensus earnings per share forecast from the 7 analysts that follow the stock is $2.35. This value represents a 10.33% increase compared to the same quarter last year. The last two quarters AJG had negative earnings surprises; the latest report they missed by -7.57%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for AJG is 22.74 vs. an industry ratio of 24.50.
ResMed Inc. (RMD)is reporting for the quarter ending December 31, 2025. The medical products company's consensus earnings per share forecast from the 6 analysts that follow the stock is $2.69. This value represents a 10.70% increase compared to the same quarter last year. In the past year RMD has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 2.41%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for RMD is 23.73 vs. an industry ratio of 24.70.
The Hartford Insurance Group, Inc. (HIG)is reporting for the quarter ending December 31, 2025. The insurance (property & casualty) company's consensus earnings per share forecast from the 9 analysts that follow the stock is $3.17. This value represents a 7.82% increase compared to the same quarter last year. In the past year HIG has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 20.77%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for HIG is 10.42 vs. an industry ratio of 12.90.
LPL Financial Holdings Inc. (LPLA)is reporting for the quarter ending December 31, 2025. The investment bankers company's consensus earnings per share forecast from the 8 analysts that follow the stock is $4.82. This value represents a 13.41% increase compared to the same quarter last year. In the past year LPLA has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 16.33%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for LPLA is 18.65 vs. an industry ratio of 18.90.
Weyerhaeuser Company (WY)is reporting for the quarter ending December 31, 2025. The building company's consensus earnings per share forecast from the 7 analysts that follow the stock is $-0.13. This value represents a 218.18% decrease compared to the same quarter last year. In the past year WY has met analyst expectations once and beat the expectations the other three quarters. Zacks Investment Research reports that the 2025 Price to Earnings ratio for WY is 162.81 vs. an industry ratio of 24.10, implying that they will have a higher earnings growth than their competitors in the same industry.
Hologic, Inc. (HOLX)is reporting for the quarter ending December 31, 2025. The medical instruments company's consensus earnings per share forecast from the 7 analysts that follow the stock is $1.09. This value represents a 5.83% increase compared to the same quarter last year. In the past year HOLX has beat the expectations every quarter. The highest one was in the 3rd calendar quarter where they beat the consensus by 2.73%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for HOLX is 16.65 vs. an industry ratio of 1.40, implying that they will have a higher earnings growth than their competitors in the same industry.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Indicator	TTM Median
P/E	10.68 13.58
Price/Sales	1.42 2.08
P/B	2.13 1.18
P/FCF	6.43 10.49

Indicator	TTM Median
ROE	21.26 10.31
ROA	4.26 1.17
ROI	17.09 6.85
Net Worth	37.24 1.01
Quick Ratio	0.00 1.37
Current Ratio	0.24 0.97

Indicator	TTM Median
Net Profit Margin	13.45 16.80
Operating Margin	17.48 22.80
Gross Margin	46.28 69.57
Return on tangible equity	23.91 12.33

Indicator	TTM Median
EPS	4.06 0.67
EPS Forecast	3.17 0.67
Revenue	7.34B 84.00M
Gross Profit	3.44B —
EBITDA	1.43B —

The Hartford Insurance Group, Inc.

TTM metrics for the latest quarter under IFRS and their historical dynamics

Valuation

Debts

Efficiency

Other ratios

Revenue