Jun 2026 (Q2 FY26) — Jul 24, 2026
The Hartford Q2 FY26 — Strong Performance Across P&C and Employee Benefits, Capital Return Increased
Read the full callHartford Insurance Group (HIG) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Hartford Insurance Group earnings: last reported Fri, 24 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 7,263 | +8.1% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 1,298 | +30.5% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
16 of 17 judged targets kept · 14 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Quarterly share repurchases | ~$450 million of repurchases | Mar 2026 | During the quarter, we repurchased 3.4 million shares for $450 million | Achieved |
| Commercial Lines property written premium | $3.6 to $3.7 billion in 2026 (~10-11% growth) | Dec 2025 | We're probably not going to grow at the rate that we thought when we started the year ... grow our overall property book in the mid-single digits | Revised Down |
| Business Insurance expense ratio | below 30% by the end of 2027 | Dec 2025 | We remain on track to achieve our 2027 year-end targets | On Track |
1 of HARTFORD INSURANCE GROUP, INC.'s 31 targets was missed. See which ones, and which are quietly gone. The 3 above are the free sample; 28 more targets are in the full ledger.
Claimed
- Core earnings reached $945 million, contributing to an outstanding trailing 12-month core earnings ROE of 18.7%.
- A new share repurchase authorization of $4.2 billion was approved, reflecting strong capital generation and proceeds from the Hartford Funds sale.
- Business Insurance delivered strong written premium growth of 5% with an underlying combined ratio of 89.3%.
- Employee Benefits achieved strong premium growth and a core earnings margin of 7.4%.
- Net investment income increased by $142 million or 22% year-over-year to $800 million.
Qualified
- Personal Insurance written premium declined 7%, with auto down 10%, due to a competitive market.
- Prior year adverse development included $46 million in general liability and $26 million in commercial auto liability for the quarter.
- The Global Specialty underlying combined ratio increased due to a higher international loss ratio and technology costs.
- The group disability loss ratio increased by 6.3 points to 74.8% due to increased claim incidents.
- Middle & Large Business underlying combined ratio of 95.3% included normal quarter-to-quarter volatility in non-CAT property losses and a shift in business mix.
Price
$134.33 −0.58% · −$0.79
Performance +7.9% 1Y
1Y: $124.46 on 17 Oct 2025 → $134.33. High $145.68 (29 Jul 2026), low $122.36 (29 Oct 2025).
- Previous close
- $135.12
- 52-week range
- $122.36 – $145.68
- One year
- +8.46%
Overview
- Symbol
- HIG
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
16 of 17 judged targets kept · 14 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Quarterly share repurchases | ~$450 million of repurchases | Mar 2026 | During the quarter, we repurchased 3.4 million shares for $450 million | Achieved |
| Commercial Lines property written premium | $3.6 to $3.7 billion in 2026 (~10-11% growth) | Dec 2025 | We're probably not going to grow at the rate that we thought when we started the year ... grow our overall property book in the mid-single digits | Revised Down |
| Business Insurance expense ratio | below 30% by the end of 2027 | Dec 2025 | We remain on track to achieve our 2027 year-end targets | On Track |
Claimed
- Core earnings reached $945 million, contributing to an outstanding trailing 12-month core earnings ROE of 18.7%.
- A new share repurchase authorization of $4.2 billion was approved, reflecting strong capital generation and proceeds from the Hartford Funds sale.
- Business Insurance delivered strong written premium growth of 5% with an underlying combined ratio of 89.3%.
- Employee Benefits achieved strong premium growth and a core earnings margin of 7.4%.
- Net investment income increased by $142 million or 22% year-over-year to $800 million.
Qualified
- Personal Insurance written premium declined 7%, with auto down 10%, due to a competitive market.
- Prior year adverse development included $46 million in general liability and $26 million in commercial auto liability for the quarter.
- The Global Specialty underlying combined ratio increased due to a higher international loss ratio and technology costs.
- The group disability loss ratio increased by 6.3 points to 74.8% due to increased claim incidents.
- Middle & Large Business underlying combined ratio of 95.3% included normal quarter-to-quarter volatility in non-CAT property losses and a shift in business mix.
The full ledger
Open HARTFORD INSURANCE GROUP, INC.’s full ledger
A free account opens 5 company ledgers a month. All 31 tracked commitments, with each call’s wording and source.
Call summaries
Mar 2026 (Q1 FY26) — Apr 24, 2026
The Hartford Q1 FY26 — Strong Underwriting Performance and Capital Returns
Read the full callDec 2025 (Q4 FY25) — Jan 30, 2026
The Hartford Q4 FY25 — Strong Core Earnings and Strategic Growth Across Segments
Read the full callEvery analysed call
Hartford Insurance Group earnings calls (HIG)
Financials
What the filings say
Net profit, year on year: +30% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 6,751 | 6,879 | 6,810 | 6,716 | 7,232 | 7,339 | 7,226 | 7,263 |
| Interest | 49 | 50 | 50 | 50 | 50 | 49 | 50 | 50 |
| Profit before tax | 952 | 1,074 | 783 | 1,174 | 1,318 | 1,413 | 1,057 | 1,231 |
| Tax rate | 19.4% | 20.6% | 19.5% | 20.1% | 18.1% | 20.0% | 19.0% | 20.4% |
| Net profit | 767 | 853 | 630 | 995 | 1,080 | 1,131 | 856 | 1,298 |
| EPS ($ per share) | 2.60 | — | 2.18 | 3.49 | 3.82 | — | 3.08 | 4.73 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 |
| Reserves | 11,055 | 12,685 | 13,918 | 15,770 | 17,058 | 19,007 | 21,531 | 24,739 |
| Total liabilities | 49,206 | 54,547 | 55,555 | 58,735 | 59,332 | 61,453 | 64,470 | 67,050 |
| Fixed assets | 1,006 | 1,181 | 1,122 | 1,027 | 927 | 896 | 888 | 924 |
| Total assets | 62,307 | 70,817 | 74,111 | 76,578 | 73,008 | 76,780 | 80,917 | 86,029 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 2,843 | 3,489 | 3,871 | 4,093 | 4,008 | 4,220 | 5,909 | 5,922 |
| Cash from investing | -1,962 | -2,148 | -2,066 | -2,466 | -1,277 | -2,431 | -3,768 | -3,758 |
| Cash from financing | -1,467 | -1,191 | -1,778 | -1,581 | -2,710 | -1,947 | -2,076 | -2,235 |
| Net cash flow | -59 | 141 | -23 | 98 | 7 | -155 | 45 | -57 |
| Capital expenditure | -122 | -105 | -114 | -133 | -175 | -215 | -145 | -169 |
| Free cash flow | 2,721 | 3,384 | 3,757 | 3,960 | 3,833 | 4,005 | 5,764 | 5,753 |
HIG revenue by segment
PC Business Insurance grew from 55% to 56% of revenue over the last six quarters.
| Segment | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|
| PC Business Insurance | 55% | 55% | 56% | 57% | 56% | 58% | +9.8% |
| Employee Benefits | 26% | 25% | 25% | 25% | 26% | 26% | +8.4% |
| PC Personal Insurance | 14% | 15% | 14% | 14% | 14% | 14% | -0.9% |
| Property Casualty Other Operations | <1% | <1% | <1% | <1% | <1% | <1% | +35.3% |
Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.
See how segments are shifting across companies → Segment Shift
Insider filings
70 filings between Oct 29, 2025 and Aug 7, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$57.42M
19 sales by 5 insiders
68% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 15
- Award — granted as compensation
- 18
- Option exercise — converted options into shares
- 16
- Tax withheld — shares kept back by the company to cover tax
Also filed: 2 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Swift Christopher | — | $41.76M | Feb 4, 2026 |
| Rodden Lori A | — | $7.38M | Mar 10, 2026 |
| Costello Beth Ann | — | $4.83M | Jan 2, 2026 |
| TOOKER ADIN M | — | $3.30M | May 27, 2026 |
| Niderno Allison G | — | $151.8K | Mar 4, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 7, 2026 | Swift Christopher Chairman and CEO | Gift | 35,088 | $0 |
| Jul 27, 2026 | FETTER TREVOR Director | Award | 1,356 | $190.0K |
| Jul 27, 2026 | Winters Kathleen A Director | Award | 1,356 | $190.0K |
| Jul 27, 2026 | De Shon Larry D Director | Award | 1,356 | $190.0K |
| Jul 27, 2026 | Dominguez Carlos Director | Award | 1,356 | $190.0K |
| Jul 27, 2026 | Winter Matthew E Director | Award | 1,356 | $190.0K |
| Jul 27, 2026 | Roseborough Teresa Wynn Director | Award | 1,356 | $190.0K |
| Jul 27, 2026 | FETTER TREVOR Director | Award | 1,177 | $165.0K |
| Jul 27, 2026 | Dominguez Carlos Director | Award | 821 | $115.0K |
| Jul 27, 2026 | Bartlett Thomas A Director | Award | 1,356 | $190.0K |
| Jul 27, 2026 | Rippert Annette Director | Award | 1,356 | $190.0K |
| Jul 27, 2026 | Ruesterholz Virginia P Director | Award | 1,356 | $190.0K |
| Jul 27, 2026 | JAMES DONNA Director | Award | 1,356 | $190.0K |
| May 27, 2026 | TOOKER ADIN M President | Sale 10b5-1 plan | 8,895 | $1.20M |
| May 27, 2026 | TOOKER ADIN M President | Option exercise 10b5-1 plan | 8,895 | $435.9K |
| May 4, 2026 | Pannala Shekar EVP & Chief Information Ofc. | Tax withheld | 7,074 | $960.7K |
| Apr 6, 2026 | Chhabra Prateek EVP & Chief Risk Officer | Tax withheld | 6 | $817 |
| Apr 6, 2026 | Hunt Donald Christian EVP & General Counsel | Tax withheld | 6 | $817 |
| Apr 6, 2026 | Niderno Allison G SVP & Controller | Tax withheld | 3 | $409 |
| Mar 10, 2026 | Rodden Lori A Executive Vice President | Option exercise | 30,193 | $2.10M |
| Mar 10, 2026 | Rodden Lori A Executive Vice President | Sale | 30,193 | $4.17M |
| Mar 10, 2026 | Rodden Lori A Executive Vice President | Sale | 10,500 | $1.45M |
| Mar 10, 2026 | Rodden Lori A Executive Vice President | Option exercise | 10,500 | $821.9K |
| Mar 4, 2026 | Niderno Allison G SVP & Controller | Sale | 702 | $98.6K |
| Mar 2, 2026 | Niderno Allison G SVP & Controller | Tax withheld | 621 | $87.5K |
| Mar 2, 2026 | Hunt Donald Christian EVP & General Counsel | Tax withheld | 1,278 | $180.0K |
| Mar 2, 2026 | Chhabra Prateek EVP & Chief Risk Officer | Tax withheld | 1,170 | $164.8K |
| Feb 26, 2026 | Niderno Allison G SVP & Controller | Sale | 375 | $53.2K |
| Feb 25, 2026 | TOOKER ADIN M President | Sale 10b5-1 plan | 8,307 | $1.17M |
| Feb 25, 2026 | TOOKER ADIN M President | Option exercise 10b5-1 plan | 8,307 | $447.0K |
| Feb 24, 2026 | Niderno Allison G SVP & Controller | Award | 551 | $77.5K |
| Feb 24, 2026 | Rodden Lori A Executive Vice President | Award | 8,894 | $1.25M |
| Feb 24, 2026 | Hunt Donald Christian EVP & General Counsel | Award | 8,894 | $1.25M |
| Feb 18, 2026 | TOOKER ADIN M President | Tax withheld | 5,655 | $811.7K |
| Feb 18, 2026 | Swift Christopher Chairman and CEO | Tax withheld | 57,640 | $8.27M |
| Feb 18, 2026 | Stepnowski Amy EVP | Tax withheld | 5,032 | $722.2K |
| Feb 18, 2026 | Rodden Lori A Executive Vice President | Tax withheld | 6,039 | $866.8K |
| Feb 18, 2026 | Costello Beth Ann EVP and CFO | Tax withheld | 13,312 | $1.91M |
| Feb 18, 2026 | Niderno Allison G SVP & Controller | Tax withheld | 401 | $57.6K |
| Feb 18, 2026 | Hunt Donald Christian EVP & General Counsel | Tax withheld | 861 | $123.6K |
| Feb 18, 2026 | Chhabra Prateek EVP & Chief Risk Officer | Tax withheld | 733 | $105.2K |
| Feb 17, 2026 | TOOKER ADIN M President | Option exercise | 12,142 | $0 |
| Feb 17, 2026 | Chhabra Prateek EVP & Chief Risk Officer | Option exercise | 1,481 | $0 |
| Feb 17, 2026 | Swift Christopher Chairman and CEO | Option exercise | 124,384 | $0 |
| Feb 17, 2026 | Stepnowski Amy EVP | Option exercise | 13,031 | $0 |
| Feb 17, 2026 | Rodden Lori A Executive Vice President | Option exercise | 13,031 | $0 |
| Feb 17, 2026 | Costello Beth Ann EVP and CFO | Option exercise | 28,727 | $0 |
| Feb 17, 2026 | Niderno Allison G SVP & Controller | Option exercise | 776 | $0 |
| Feb 17, 2026 | Hunt Donald Christian EVP & General Counsel | Option exercise | 1,777 | $0 |
| Feb 11, 2026 | Rodden Lori A Executive Vice President | Option exercise | 5,681 | $294.7K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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