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.

Hartford Insurance Group’s fundamental picture looks strong in terms of earnings quality and capital efficiency, but with notable caveats regarding valuation and liquidity. P/E, P/S, and P/FCF are below the industry median, which usually supports the idea of moderate undervaluation, especially against the backdrop of improving business quality. At the same time, P/B is noticeably above the industry, meaning the market is already pricing in a high value for equity and does not leave much room for further rerating. Profitability looks very convincing: ROE, ROA, ROI, and return on tangible equity are significantly above the median and are improving year over year, which is the main positive for the valuation. Net margin and operating margin are also rising, but remain below industry benchmarks, so this is more of a support factor than a reason for an aggressive increase in the target. Revenue, net income, operating income, and the company’s equity overall are showing steady growth, confirming the quality of the current trend. Leverage looks comfortable: debt/equity is below the median and has not deteriorated much, while long-term debt is stable, reducing risk for shareholders. The weak point is liquidity: the quick ratio is zero and the current ratio is very low, which requires caution for an insurer, even if the business model partly explains such a balance sheet structure. Dividend yield is absent in the current TTM, and historically it was moderate, so the dividend factor does not support the valuation at present. Overall, the fundamentals justify a moderately positive view, but not one strong enough to materially raise the target price. Given the already not-cheap P/B and weak liquidity, any adjustment should remain conservative despite the high profitability and steady growth in metrics.

The Hartford Insurance Group, Inc.

High profitability and profit growth support HIG, but weak liquidity and an expensive P/B limit revaluation potential.

The Hartford Insurance Group, Inc. HIG delivered second-quarter fiscal 2026 earnings per share of $3.42, up 6% year over year and above the Zacks Consensus Estimate of $3.12 by 9.6%.
Revenues came in at $5.23 billion, topping the consensus mark of $5.19 billion by 0.8%. The top line improved 6.8% year over year.
The quarterly results benefited from higher investment income, premium growth in Business Insurance and improving Personal Insurance profitability. Strong new business expansion in Small Business and favorable pricing trends supported results. However, the upside was partly offset by an increased expense level, higher catastrophe losses and weaker Employee Benefits profitability.
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 Benefits From Investment Income Growth
The Hartford’s second-quarter core earnings inched up 1% year over year to $945 million. Net income available to common stockholders rose 31% year over year to $1.3 billion, helped by stronger operating performance and income from discontinued operations.
Earned premiums grew 5.3% year over year to $6.3 billion, marginally higher than the Zacks Consensus Estimate. Net investment income, before tax, advanced 22% year over year to $800 million, higher than the consensus mark of $746 million. The increase reflected higher income from limited partnerships and other alternative investments, along with growth in invested assets.
Total benefits, losses and expenses escalated 8.8% year over year to $6 billion due to higher amortization of DAC and insurance operating expenses.
P&C current accident year catastrophe losses were $222 million, up 4.7% year over year.
HIG Business Insurance Delivers Steady Growth
The Business Insurance unit remained the largest contributor to operating performance, with written premiums rising 5% year over year to $4 billion. Net income rose 1% to $704 million, while core earnings declined marginally year over year to $695 million, as higher premium growth and investment income were offset by underwriting pressures.
The segment’s combined ratio deteriorated to 91.4 from 87 in the prior-year quarter, pressured by less favorable prior-year development and higher catastrophe losses. The metric compared favorably with the Zacks Consensus Estimate of 92.
Small Business delivered improvement, with written premiums increasing 7% year over year and the combined ratio improving to 85.9. Growth was supported by double-digit new business expansion.
HIG Personal Insurance Improves Profitability
Personal Insurance continued its turnaround, with core earnings rising 36% year over year to $128 million. Written premiums declined 7% to $915 million as competitive market conditions weighed on growth.
Profitability improved significantly, with the combined ratio improving to 90.1 from 94.1 in the prior-year quarter. The metric compared favorably with the consensus mark of 97.
The segment’s underlying loss and loss adjustment expense ratio improved 280 basis points to 60. Pricing increases outpaced loss cost trends, helping offset pressure from lower earned premiums and higher expenses.
HIG P&C Other Ops Remain Stable
P&C Other Operations reported core earnings of $17 million, up 21% year over year. Revenues increased 35.3% year over year to $23 million.
HIG’s Employee Benefits Faces Cost Pressure
Employee Benefits reported core earnings of $139 million, down 15% year over year. The decline reflected higher losses, particularly in group disability, although premium growth remained positive.
Fully insured ongoing premiums increased 5% to $1.7 billion. The segment’s core earnings margin was 7.4%, supported by strong life results and solid disability performance.
The loss ratio deteriorated to 72.5% from 69.1% in the prior-year quarter, while the expense ratio improved to 25.2% from 25.7% due to earned premium growth and lower commissions, partially offset by higher technology costs.
The Hartford Funds Sale Boosts Corporate Results
Hartford Funds was reclassified as discontinued operations following the agreement to sell Hartford Funds Management, Inc. The transaction resulted in income from discontinued operations of $318 million before tax in the second quarter of fiscal 2026 compared with $57 million in the prior-year quarter, primarily due to a $251 million income tax benefit related to the sale.
Corporate reported net income of $300 million in the quarter compared with $45 million a year ago, while core earnings resulted in a loss of $34 million, narrower than a loss of $36 million in the prior-year period. The improvement in reported results was primarily driven by the Hartford Funds transaction impact.
HIG’s Financial Update (as of June 30, 2026)
The Hartford exited the second quarter with total assets of $88 billion, up 2.3% from 2025-end, while total investments inched up 0.8% from 2025-end level to $64 billion. Cash rose 2.5% to $125 million during the same period.
Debt remained largely stable at $4.4 billion. Total stockholders’ equity came in at $19.6 billion, up 3.4% from year-end 2025. Book value per share excluding AOCI improved 7.2% year over year to $78.91.
Operating cash flow was $2.2 billion in the first half of 2026, down marginally from the prior-year comparable period.
HIG Strengthens Capital Returns
The Hartford continued its capital deployment efforts during the quarter, returning $615 million to shareholders. The company repurchased $450 million of shares and paid $165 million in common stock dividends.
The board also authorized a new $4.2 billion share repurchase program effective Aug. 1, 2026, through the end of 2028. This authorization represents a 27% increase from the previous program.
HIG Maintains Strong Operating Metrics
The company generated a trailing 12-month core earnings return on equity of 18.7%, which improved 270 basis points year over year.
HIG’s Zacks Rank
The Hartford currently has a Zacks Rank #4 (Sell).
Performance of Other Insurers
Of the insurance industry players that have reported second-quarter 2026 results so far, the bottom-line results of RenaissanceRe Holdings Ltd. RNR, Chubb Limited CB and First American Financial Corporation FAF beat the respective Zacks Consensus Estimate.
RenaissanceRe reported second-quarter 2026 operating income of $12.92 per share, which surpassed the Zacks Consensus Estimate by 12.9%. The bottom line also improved 5.1% year over year. Total operating revenues declined 6.7% year over year to $2.64 billion. The top line missed the consensus mark by 1%. Net premiums earned declined 8.8% year over year to $2.2 billion. Net investment income of $432.5 million advanced 4.7% year over year in the quarter.
RenaissanceRe's underwriting income declined 0.4% year over year to $599.1 million. The combined ratio improved to 72.8% from 75.1% in the year-ago quarter. The Property segment’s net premiums earned of $881.6 million increased 1.6% year over year. It generated an underwriting income of $642.7 million, which increased 2% year over year. The Casualty & Specialty Segment unit recorded net premiums earned of $1.3 billion, which tumbled 14.7% year over year to $1.32 billion.
Chubb’s second-quarter 2026 core operating earnings of $7.26 per share beat the Zacks Consensus Estimate of $6.63 by 9.5%. The bottom line increased 18.2% year over year. Revenues rose 2.7% year over year to $15.77 billion but missed the consensus mark of $15.90 billion by 0.8%. P&C underwriting income increased 18.8% year over year to $1.94 billion. The combined ratio improved 180 basis points to 83.8%. Consolidated net premiums written increased 3.6% year over year to $14.71 billion. Pre-tax net investment income increased 12.3% to a record $1.76 billion.
Global P&C net premiums written, excluding agriculture, advanced 2.8% to $11.99 billion. Life insurance net premiums written grew 7.5% to $1.94 billion. North America Commercial P&C net premiums written declined 2.3% to $5.59 billion. Major accounts and specialty fell 9.0% as underwriting actions weighed on property business, while middle-market and small commercial premiums increased 8.9% to $2.34 billion. Overseas General Insurance net premiums written jumped 10.2% to $3.99 billion, or 4.8% in constant dollars.
First American Financial reported second-quarter 2026 operating earnings of $2.08 per share, which beat the Zacks Consensus Estimate by 15.6% and rose 35.9% year over year. Operating revenues climbed 15% to $2.1 billion. The top line surpassed the consensus estimate by 4.4%. Direct premiums and escrow fees reached $794.1 million, marking a 14.8% increase from the prior-year level. Investment income totaled $183.7 million in the second quarter, up 14.7% year over year.
In the Title Insurance and Services unit, total revenues rose 16.9% year over year to $2 billion. Investment income increased 11% to $164 million. Adjusted pretax margin expanded 310 bps to 15.7%. Title open orders increased 0.7% to 188,200, while closed orders declined 0.7% to 137,300. Average revenue per direct title order increased to $4,572, reflecting a 31% increase in commercial average revenue per order. In the Home Warranty segment, total revenues rose 3.3% to $113.8 million, exceeding our model estimate of $111 million. Pretax income climbed 8.5% year over year to $24.2 million.
7 Best Stocks for the Next 30 Days
Just released: Experts distill 7 elite stocks from the current list of 220 Zacks Rank #1 Strong Buys. They deem these tickers "Most Likely for Early Price Pops."
Since 1988, the full list has beaten the market more than 2X over with an average gain of +23.9% per year. So be sure to give these hand picked 7 your immediate attention.
See them now >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

HIG's Q2 Earnings Beat Estimates on Strong Investment Income

Data is currently not available
Edit My Quotes
Add up to 25 symbols
To add symbols:
Type a symbol or company name. When the symbol you want to add appears, add it to My Quotes by selecting it and pressing Enter/Return.
Copy and paste multiple symbols separated by spaces.
These symbols will be available throughout the site during your session.
Save data
Data is currently not available
Edit My European Quotes
Add up to 25 instruments
To add instruments:
Type a instrument or company name. When the instrument you want to add appears, add it to My European Quotes by selecting it and pressing Enter/Return.
Copy and paste multiple instruments separated by spaces.
These instruments will be available throughout the site during your session.
Save data
Data is currently not available
Your symbols have been updated
You'll now be able to see real-time price and activity for your symbols on the My Quotes of Nasdaq.com.
Continue
Data is currently not available
Edit Watchlist
Add up to 20 symbols
To add symbols:
Type a symbol or company name. When the symbol you want to add appears, add it to Watchlist by selecting it and pressing Enter/Return.
Copy and paste multiple symbols separated by spaces.
These symbols will be available throughout the site during your session.
Save data

Hartford Financial Services Group Q2 26 Earnings Conference Call At 9:00 AM ET

The Hartford Insurance Group (HIG) reported $5.23 billion in revenue for the quarter ended June 2026, representing a year-over-year increase of 6.8%. EPS of $3.42 for the same period compares to $3.41 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $5.19 billion, representing a surprise of +0.75%. The company delivered an EPS surprise of +9.62%, with the consensus EPS estimate being $3.12.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:
Business Insurance- Underlying combined ratio: 89.3% compared to the 88.6% average estimate based on six analysts.
Personal Insurance - Loss and loss adjustment expense ratio: 63.8% compared to the 70.5% average estimate based on six analysts.
Personal Insurance - Underlying combined ratio: 86.3% versus 87.8% estimated by six analysts on average.
Personal Insurance - Combined ratio: 90.1% compared to the 96.5% average estimate based on six analysts.
Revenue- Earned Premium- Personal Insurance: $905 million versus the six-analyst average estimate of $914.38 million. The reported number represents a year-over-year change of -2.8%.
Revenue- Property & Casualty- Net investment income: $645 million versus the six-analyst average estimate of $585.92 million. The reported number represents a year-over-year change of +22.6%.
Employee Benefits- Total revenues: $1.91 billion versus $1.83 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +8.4% change.
Employee Benefits- Net investment income: $137 million compared to the $134.52 million average estimate based on six analysts. The reported number represents a change of +16.1% year over year.
Employee Benefits- Premiums and other considerations: $1.77 billion compared to the $1.69 billion average estimate based on six analysts.
Business Insurance- Fee income: $12 million compared to the $11.22 million average estimate based on six analysts. The reported number represents a change of +9.1% year over year.
Business Insurance- Earned premiums: $3.66 billion compared to the $3.67 billion average estimate based on six analysts. The reported number represents a change of +7% year over year.
Revenue- Fee income- Personal Insurance: $7 million versus $8.17 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a -12.5% change.
Shares of The Hartford Insurance Group have returned +6.4% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
Zacks' Research Chief Names "Stock Most Likely to Double"
Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest.
This top pick is a little-known satellite-based communications firm. Space is projected to become a trillion dollar industry, and this company's customer base is growing fast. Analysts have forecasted a major revenue breakout in 2025. Of course, all our elite picks aren't winners but this one could far surpass earlier Zacks' Stocks Set to Double like Hims & Hers Health, which shot up +209%.
Free: See Our Top Stock And 4 Runners Up
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

The Hartford Insurance Group (HIG) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

(RTTNews) - The Hartford Insurance Group, Inc. (HIG) on Thursday reported an increase in profit for the second quarter, driven by premium growth and stronger investment income. The company also announced a new $4.2 billion share repurchase authorization.
Net income for the quarter increased to $1.29 billion or $4.68 per share from $990 million or $3.44 per share a year earlier. Core earnings edged to $945 million or $3.42 per share from $932 million or $3.24 per share.
Property & Casualty written premiums grew 3%, led by 5% growth in Business Insurance premiums, while Employee Benefits fully insured ongoing premiums also increased 5%.
Net investment income rose 22% to $800 million, supported by higher income from limited partnerships and a larger invested asset base.
The board approved a new $4.2 billion share repurchase program, effective August 1, 2026, through the end of 2028, representing a 27% increase from the previous authorization.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Hartford Insurance Q2 Profit Rises

The following companies are expected to report earnings after hours on 07/23/2026. Visit our Earnings Calendar for a full list of expected earnings releases.
Intel Corporation (INTC)is reporting for the quarter ending June 30, 2026. The semiconductor company's consensus earnings per share forecast from the 10 analysts that follow the stock is $0.10. This value represents a 138.46% increase compared to the same quarter last year. INTC missed the consensus earnings per share in the 2nd calendar quarter of 2025 by -85.71%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for INTC is 157.88 vs. an industry ratio of 45.10, implying that they will have a higher earnings growth than their competitors in the same industry.
Newmont Corporation (NEM)is reporting for the quarter ending June 30, 2026. The gold mining company's consensus earnings per share forecast from the 5 analysts that follow the stock is $2.05. This value represents a 43.36% increase compared to the same quarter last year. In the past year NEM has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 40.1%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for NEM is 10.76 vs. an industry ratio of -1.90, implying that they will have a higher earnings growth than their competitors in the same industry.
Comfort Systems USA, Inc. (FIX)is reporting for the quarter ending June 30, 2026. The building company's consensus earnings per share forecast from the 5 analysts that follow the stock is $10.38. This value represents a 58.96% increase compared to the same quarter last year. In the past year FIX has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 46.18%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for FIX is 41.28 vs. an industry ratio of 22.20, implying that they will have a higher earnings growth than their competitors in the same industry.
Digital Realty Trust, Inc. (DLR)is reporting for the quarter ending June 30, 2026. The reit company's consensus earnings per share forecast from the 7 analysts that follow the stock is $1.98. This value represents a 5.88% increase compared to the same quarter last year. In the past year DLR has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 5.15%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for DLR is 22.19 vs. an industry ratio of 14.20, implying that they will have a higher earnings growth than their competitors in the same industry.
Edwards Lifesciences Corporation (EW)is reporting for the quarter ending June 30, 2026. The medical instruments company's consensus earnings per share forecast from the 9 analysts that follow the stock is $0.73. This value represents a 8.96% increase compared to the same quarter last year. EW missed the consensus earnings per share in the 4th calendar quarter of 2025 by -6.45%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for EW is 28.12 vs. an industry ratio of 0.60, implying that they will have a higher earnings growth than their competitors in the same industry.
The Hartford Insurance Group, Inc. (HIG)is reporting for the quarter ending June 30, 2026. The insurance (property & casualty) company's consensus earnings per share forecast from the 9 analysts that follow the stock is $3.12. This value represents a 8.50% decrease compared to the same quarter last year. HIG missed the consensus earnings per share in the 1st calendar quarter of 2026 by -6.08%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for HIG is 11.10 vs. an industry ratio of 9.40, implying that they will have a higher earnings growth than their competitors in the same industry.
VeriSign, Inc. (VRSN)is reporting for the quarter ending June 30, 2026. The internet software company's consensus earnings per share forecast from the 2 analysts that follow the stock is $2.36. This value represents a 6.79% increase compared to the same quarter last year. VRSN missed the consensus earnings per share in the 4th calendar quarter of 2025 by -2.62%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for VRSN is 27.79 vs. an industry ratio of 5.20, implying that they will have a higher earnings growth than their competitors in the same industry.
Ovintiv Inc. (OVV)is reporting for the quarter ending June 30, 2026. The oil company's consensus earnings per share forecast from the 5 analysts that follow the stock is $1.91. This value represents a 87.25% increase compared to the same quarter last year. OVV missed the consensus earnings per share in the 2nd calendar quarter of 2025 by -1.92%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for OVV is 8.55 vs. an industry ratio of 10.70.
SS&C Technologies Holdings, Inc. (SSNC)is reporting for the quarter ending June 30, 2026. The computer software company's consensus earnings per share forecast from the 4 analysts that follow the stock is $1.51. This value represents a 18.90% increase compared to the same quarter last year. SSNC missed the consensus earnings per share in the 4th calendar quarter of 2025 by -0.69%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for SSNC is 10.86 vs. an industry ratio of 19.20.
Deckers Outdoor Corporation (DECK)is reporting for the quarter ending June 30, 2026. The retail (shoe) company's consensus earnings per share forecast from the 8 analysts that follow the stock is $0.88. This value represents a 5.38% decrease compared to the same quarter last year. In the past year DECK has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 18.52%. Zacks Investment Research reports that the 2027 Price to Earnings ratio for DECK is 13.74 vs. an industry ratio of 9.50, implying that they will have a higher earnings growth than their competitors in the same industry.
Summit Therapeutics Inc. (SMMT)is reporting for the quarter ending June 30, 2026. The drug company's consensus earnings per share forecast from the 3 analysts that follow the stock is $-0.26. This value represents a 65.79% increase compared to the same quarter last year. Zacks Investment Research reports that the 2026 Price to Earnings ratio for SMMT is -12.49 vs. an industry ratio of 2.90.
SouthState Bank Corporation (SSB)is reporting for the quarter ending June 30, 2026. The banks (southeast) company's consensus earnings per share forecast from the 5 analysts that follow the stock is $2.33. This value represents a 1.30% increase compared to the same quarter last year. In the past year SSB has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 3.17%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for SSB is 10.75 vs. an industry ratio of 12.60.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

After-Hours Earnings Report for July 23, 2026 : INTC, NEM, FIX, DLR, EW, HIG, VRSN, OVV, SSNC, DECK, SMMT, SSB

The Hartford Insurance Group, Inc. HIG is set to report second-quarter 2026 results on July 23, after the closing bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $3.13 per share on revenues of $5.2 billion.
The second-quarter earnings estimate has witnessed no upward estimate revisions against one downward movement over the past seven days. Meanwhile, the bottom-line projection indicates a year-over-year decline of 8.2%. The Zacks Consensus Estimate for quarterly revenues suggests year-over-year growth of 6%.
Image Source: Zacks Investment Research
For the current year, the Zacks Consensus Estimate for Hartford’s revenues is pegged at $21 billion, implying a rise of 4.8% year over year. However, the consensus mark for current-year EPS is pegged at $12.74, implying a fall of around 5.1% on a year-over-year basis.
HIG beat the consensus estimate for earnings in three of the last four quarters and missed once, with the average surprise being 16.5%.
The Hartford Insurance Group, Inc. Price and EPS Surprise
Q2 Earnings Whispers for HIG
Our proven model does not predict an earnings beat for Hartford Insurance this time. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat, which is not the case here.
HIG has an Earnings ESP of -3.95% and currently carries a Zacks Rank #4 (Sell). You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
What’s Shaping HIG’s Q2 Results?
The Zacks Consensus Estimate for net premiums earned for the second quarter indicates 4.5% growth year over year. Also, the consensus estimate indicates an 8.2% increase in fee income in the quarter under review.
The consensus estimate for Business Insurance’s net investment income is $507.7 million, indicating 13.1% growth from the year-ago quarter’s figure. The Zacks Consensus Estimate for net investment income in the Personal Insurance business is pegged at $66.3 million, which indicates a 9.2% increase from the prior-year quarter’s reported figure.
The consensus mark for the Employee Benefits business’ revenues is pegged at $1.8 billion, indicating a 3.8% rise from the prior-year quarter's figure.
However, the bottom line is expected to have been pressured by higher insurance operating costs and other expenses. The Zacks Consensus Estimate for Hartford’s Personal Insurance combined ratio for the quarter under review is pegged at 96.5%, indicating deterioration from the prior-year reported figure of 94.1%. Also, the same for the Business Insurance combined ratio is pegged at 91.9%, up from 87% a year ago.
The Zacks Consensus Estimate for Hartford’s homeowners’ policies in force for the quarter under review indicates a decline of 0.6% year over year. Also, the consensus estimate indicates a 10.8% year-over-year decline in automobile policies in force.
Stocks That Warrant a Look
While an earnings beat looks uncertain for HIG, here are some companies from the broader Finance space that you may want to consider, as our model shows that these have the right combination of elements to post an earnings beat this time around:
Skyward Specialty Insurance Group, Inc. SKWD has an Earnings ESP of +1.39% and carries a Zacks Rank #3 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for Skyward Specialty Insurance Group’s earnings for the to-be-reported quarter is pegged at $1.15 per share, indicating 29.2% year-over-year growth. The consensus estimate for revenues is pegged at $459.6 million. SKWD beat earnings estimates in each of the past four quarters, with the average surprise being 17%.
American Express Company AXP currently has an Earnings ESP of +1.15% and a Zacks Rank #3.
The Zacks Consensus Estimate for American Express’ bottom line for the to-be-reported quarter is pegged at $4.41 per share, indicating 8.1% year-over-year growth. It beat earnings estimates in three of the past four quarters and missed once, with the average surprise being 4%. The consensus estimate for AXP’s revenues is pegged at $19.6 billion.
Aon plc AON has an Earnings ESP of +0.24% and carries a Zacks Rank #3 at present.
The Zacks Consensus Estimate for Aon’s bottom line for the to-be-reported quarter is pegged at $3.77 per share, indicating 8% year-over-year growth. It beat earnings estimates in each of the past four quarters, with the average surprise being 3.1%. The consensus estimate for AON’s revenues is pegged at $4.3 billion.
Beyond Nvidia: AI's Second Wave Is Here
The AI revolution has already minted millionaires. But the stocks everyone knows about aren't likely to keep delivering the biggest profits. AI’s second wave is moving from infrastructure to implementation and these companies are at the forefront of this transition, positioned to become what Amazon and Google were to the internet era.
See Stocks Now >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Will Rising Expenses Affect Hartford's Q2 Earnings? Key Insights Here

Chubb (CB) came out with quarterly earnings of $7.26 per share, beating the Zacks Consensus Estimate of $6.63 per share. This compares to earnings of $6.14 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +9.50%. A quarter ago, it was expected that this insurer would post earnings of $6.48 per share when it actually produced earnings of $6.82, delivering a surprise of +5.25%.
Over the last four quarters, the company has surpassed consensus EPS estimates four times.
Chubb, which belongs to the Zacks Insurance - Property and Casualty industry, posted revenues of $15.77 billion for the quarter ended June 2026, missing the Zacks Consensus Estimate by 0.8%. This compares to year-ago revenues of $14.81 billion. The company has topped consensus revenue estimates three times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Chubb shares have added about 13% since the beginning of the year versus the S&P 500's gain of 8.7%.
What's Next for Chubb?
While Chubb has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Chubb was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $6.33 on $16.81 billion in revenues for the coming quarter and $26.77 on $64.36 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Insurance - Property and Casualty is currently in the bottom 38% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
One other stock from the same industry, The Hartford Insurance Group (HIG), is yet to report results for the quarter ended June 2026. The results are expected to be released on July 23.
This insurance and financial services company is expected to post quarterly earnings of $3.13 per share in its upcoming report, which represents a year-over-year change of -8.2%. The consensus EPS estimate for the quarter has been revised 2% lower over the last 30 days to the current level.
The Hartford Insurance Group's revenues are expected to be $5.19 billion, up 6% from the year-ago quarter.
Should You Invest in Chubb Limited (CB)?
Before you invest in Chubb Limited (CB), want to know the best stocks to buy for the next 30 days? Check out Zacks Investment Research for our free report on the 7 best stocks to buy.
Zacks Investment Research has been committed to providing investors with tools and independent research since 1978. For more than a quarter century, the Zacks Rank stock-rating system has more than doubled the S&P 500 with an average gain of +24.08% per year. (These returns cover a period from January 1, 1988 through May 6, 2024.)
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Chubb Limited (CB) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Chubb (CB) Tops Q2 Earnings Estimates

Looking today at week-over-week shares outstanding changes among the universe of ETFs covered at ETF Channel, one standout is the iShares U.S. Equity Factor Rotation Active ETF (Symbol: DYNF) where we have detected an approximate $330.0 million dollar inflow -- that's a 0.9% increase week over week in outstanding units (from 560,725,000 to 565,575,000). Among the largest underlying components of DYNF, in trading today Travelers Companies Inc (Symbol: TRV) is down about 2.5%, Duke Energy Corp (Symbol: DUK) is down about 0.3%, and Hartford Insurance Group Inc (Symbol: HIG) is lower by about 2.9%. For a complete list of holdings, visit the DYNF Holdings page » The chart below shows the one year price performance of DYNF, versus its 200 day moving average:
Looking at the chart above, DYNF's low point in its 52 week range is $54.50 per share, with $68.28 as the 52 week high point — that compares with a last trade of $67.96. Comparing the most recent share price to the 200 day moving average can also be a useful technical analysis technique -- learn more about the 200 day moving average ».
Exchange traded funds (ETFs) trade just like stocks, but instead of ''shares'' investors are actually buying and selling ''units''. These ''units'' can be traded back and forth just like stocks, but can also be created or destroyed to accommodate investor demand. Each week we monitor the week-over-week change in shares outstanding data, to keep a lookout for those ETFs experiencing notable inflows (many new units created) or outflows (many old units destroyed). Creation of new units will mean the underlying holdings of the ETF need to be purchased, while destruction of units involves selling underlying holdings, so large flows can also impact the individual components held within ETFs.
Further DYNF Research:
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

DYNF, TRV, DUK, HIG: Large Inflows Detected at ETF

AMERISAFE, Inc. AMSF continues to distinguish itself in the workers' compensation insurance market through its focus on profitable growth, disciplined underwriting and conservative capital management. As pricing pressure persists across the industry, this strategy has helped the company maintain resilient operating performance and support its long-term investment outlook.
AMERISAFE's first-quarter 2026 results show this disciplined approach in action. Even in a soft pricing environment, it continued to expand its business. Gross premiums written increased 5.6% year over year, while voluntary premiums climbed 8.2%, supported by strong wage growth across its target industries and steady new business generation.
Higher claims costs pushed the combined ratio to 93.2% from 89.1% a year earlier. Even so, the ratio remained comfortably below 100%, a sign that the insurer continued to generate underwriting profits. Plus, a $7.6 million savings from favorable past reserves and tight expense management kept earnings remarkably healthy.
A strong balance sheet remains another key strength. The insurer increased its quarterly dividend by 5.1% to $0.41 per share and repurchased $4 million of stock during the quarter. Backing these returns is a debt-free balance sheet with $773.6 million in cash and investments as of March 31, 2026, providing ample financial flexibility.
While pricing competition is likely to persist, AMERISAFE's emphasis on profitable growth, disciplined underwriting and a conservative balance sheet should help it preserve earnings quality and continue creating shareholder value.
How Are Competitors Faring?
AMERISAFE is not alone in navigating a challenging workers' compensation market. Peers such as Employers Holdings, Inc. EIG and The Hartford Insurance Group, Inc. HIG are also focused on disciplined underwriting and profitable growth.
Employers Holdings is navigating a soft workers' compensation market by prioritizing underwriting discipline over aggressive pricing. EIG continues to benefit from strong policyholder retention, prudent risk selection and a solid balance sheet, supporting profitability while enabling the company to maintain a shareholder-friendly capital allocation strategy.
The Hartford Insuranc continues to demonstrate resilience despite ongoing pricing pressure in the workers' compensation market. Disciplined underwriting, healthy premium growth across its commercial lines and strong capital generation have enabled HIG to sustain profitability while supporting dividend growth and share repurchases.
AMSF’s Price Performance, Valuation & Estimates
Shares of AMERISAFE have lost 10.2% year to date compared to the industry’s 12.5% growth over the same period.
Image Source: Zacks Investment Research
From a valuation standpoint, AMSF trades at a forward price-to-earnings ratio of 16.71X, up from the industry average of 13.7X. AMSF carries a Value Score of C.
Image Source: Zacks Investment Research
The Zacks Consensus Estimate for AMSF’s 2026 earnings is pegged at $2.08 per share, implying a 5% slip from the year-ago period’s level.
Image Source: Zacks Investment Research
AMSF currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Zacks' Research Chief Names "Stock Most Likely to Double"
Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest.
This top pick is a little-known satellite-based communications firm. Space is projected to become a trillion dollar industry, and this company's customer base is growing fast. Analysts have forecasted a major revenue breakout in 2025. Of course, all our elite picks aren't winners but this one could far surpass earlier Zacks' Stocks Set to Double like Hims & Hers Health, which shot up +209%.
Free: See Our Top Stock And 4 Runners Up
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
AMERISAFE, Inc. (AMSF) : Free Stock Analysis Report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Can AMSF Sustain Growth Despite a Tough Workers' Compensation Market?

Investors in The Hartford Insurance Group, Inc. HIG need to pay close attention to the stock based on moves in the options market lately. That is because the Sep 18, 2026 $100 Call had some of the highest implied volatility of all equity options today.
What is Implied Volatility?
Implied volatility shows how much movement the market is expecting in the future. Options with high levels of implied volatility suggest that investors in the underlying stocks are expecting a big move in one direction or the other. It could also mean there is an event coming up soon that may cause a big rally or a huge sell-off. However, implied volatility is only one piece of the puzzle when putting together an options trading strategy.
What do the Analysts Think?
Clearly, options traders are pricing in a big move for The Hartford Insurance shares, but what is the fundamental picture for the company? Currently, The Hartford Insurance is a Zacks Rank #4 (Sell) in the Insurance - Property and Casualty industry that ranks in the Bottom 39% of our Zacks Industry Rank. Over the last 30 days, no analysts have increased their earnings estimates for the current quarter, while four analysts have revised their estimates downward. The net effect has taken our Zacks Consensus Estimate for the current quarter from $3.30 per share to $3.21 in that period.
Given the way analysts feel about The Hartford Insurance right now, this huge implied volatility could mean there’s a trade developing. Oftentimes, options traders look for options with high levels of implied volatility to sell premium. This is a strategy many seasoned traders use because it captures decay. At expiration, the hope for these traders is that the underlying stock does not move as much as originally expected.
Looking to Trade Options?
Check out the simple yet high-powered approach that Zacks Executive VP Kevin Matras has used to close recent double and triple-digit winners. In addition to impressive profit potential, these trades can actually reduce your risk.
Click to see the trades now >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

The Hartford Insurance Group, Inc.

Options Strategies