Here's What Key Metrics Tell Us About The Hartford Insurance Group (HIG) Q4 Earnings

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.

View all Key Company Metrics for The Hartford Insurance Group here>>>

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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The Hartford Insurance Group, Inc. (HIG): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

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