The Hartford Insurance Group, Inc. · NYSE:HIG
The Hartford Insurance — Q1 2026 Earnings Presentation
16 slides from The Hartford Insurance's earnings presentation, Apr 24, 2026
Slide 1: First Quarter 2026 Financial Results
First Quarter 2026 Financial Results The Hartford Insurance Group, Inc. April 23, 2026
Slide 2: Safe Harbor Statement
Safe Harbor Statement Certain statements made in this presentation should be considered forward -looking statements as defined in the Private Securities Litigation Reform Act of 1995. These include statements about The Hartford’s future results of operations. We caution investors that these forward-
Slide 3: Diversified Insurer With Core Underwriting Strengths And Market Leadership
The Hartford Diversified Insurer With Core Underwriting Strengths And Market Leadership Personal Hartford Funds Insurance 4% Other ► Market leader in desirable segments with high return characteristics 14% 1% ► Delivering consistently strong results across diversified businesses with significant con
Slide 4: First Quarter 2026 – Disciplined Execution
First Quarter 2026 – Disciplined Execution The Hartford delivered a 20.3% trailing 12-month core earnings ROE 1,3 Book Value Per Diluted Share Growth: (ex AOCI) 1,2 ► P&C net written premium growth of 4%, including 6% in Business Insurance ► Employee Benefits fully insured ongoing premium growth of
Slide 5: Core Earnings Of $866 Million In 1Q26, EPS Of $3.09
Core Earnings 1 of $866 million in 1Q26, EPS1,2of $3.09, Trailing 12-Month ROE 1,3of 20.3% Core Earnings (loss) By Segment ($ in millions, except per share amounts) 1Q26 1Q25 Change 4 Business Insurance $551 $471 17% Personal Insurance 141 6 NM P&C Other Operations 14 13 8% Property & Casualty Total
Slide 6: 1Q26 Key Business Highlights vs. 1Q25
1Q26 Key Business Highlights vs. 1Q25 Property & Casualty Strong contributions from Business Insurance & continued underlying improvement in Personal Insurance Written premiums Combined ratio (%) Underlying combined ratio1 (%) $4.8B 4% 92.6 92.1 4.3 pts 88.4 0.4 pts Business Insurance $3.9B 6% 94.8
Slide 7: Business Insurance
Business Insurance Strong contributions from each business continue to deliver profitable growth Written premiums of $3.9 billion in Excluding workers’ compensation, Combined ratio of 94.8 in 1Q26 Underlying combined ratio 1of 89.2 1Q26 were up 6% from 1Q25 with renewal written price increases of co
Slide 8: Personal Insurance
Personal Insurance Continued improvement in the underlying combined ratio 1 Written premiums of $862 million Renewal written price increase in Combined ratio of 87.7 in 1Q26 Underlying combined ratio 1of 85.0 compared to $913 million in 1Q25 automobile of 6.8% in 1Q26 improved from 106.1 in 1Q25, im
Slide 9: Employee Benefits
Employee Benefits Strong core earnings margin 1 of 6.9% Core earnings margin 1of 6.9% Loss ratio of 71.7 in 1Q26 reflects Group life loss ratio of 73.2 1Q26 fully insured ongoing premiums reflects continued outstanding continued improved life results and improved 6.7 points due to lower increased 3%
Slide 10: Hartford Funds
Hartford Funds High return, fee generating business Core earnings 1of $51million in 1Q26 Mutual fund and Exchange -traded 43% of overall funds are 37% of funds are rated 4 or 5 stars compared to $44 million in 1Q25 funds (ETF) net outflows 2 of $0.5 outperforming peers on a 1-year by Morningstar as
Slide 11: Corporate
CORPORATE Corporate Core loss1 of $39 million compared to a core loss of $36 million in 4Q23 Core loss 1 of $18 million compared to a core loss of $31 million in 1Q25 Components of Corporate Core Losses Corporate Holding Company Resources ($ in billions) ($ in millions) 1Q2 5 2Q2 5 3Q2 5 4 Q2 5 1Q2
Slide 12: The Investment Portfolio
The Investment Portfolio High quality and diversified Net investment income of $739 million LP annualized yield of 5.1% driven High quality portfolio, ~95% of the Our investment portfolio is increased from $656 million in 1Q25, by higher returns on other funds, fixed maturities portfolio is durable
Slide 13: Core Earnings ROE Of 20.3% In 1Q26
Core Earnings ROE 1of 20.3% in 1Q26 Industry leading Core Earnings ROE Consolidated Core Earnings ROE P&C Core Earnings ROE Employee Benefits Core Earnings ROE 1 13 Denotes financial measure not calculated in GAAP
Slide 14: BVPS (Ex. AOCI) Of $75.25 At March 31, 2026
BVPS (Ex. AOCI) 1of $75.25 at March 31, 2026 In 1Q26, the company returned $617 Book value per diluted share of $66.58 Book value per diluted share (ex. AOCI) 1 Including common stockholder million to stockholders including $450 increased from $66.31 at December 31, of $75.25 increased from $73. 62
Slide 15: Discussion And Reconciliation Of Non-GAAP Financial Measures
Discussion And Reconciliation Of Non -GAAP Financial Measures March 31, 2026 15
Slide 16: Discussion And Reconciliation Of Non-GAAP Financial Measures
Discussion And Reconciliation Of Non -GAAP Financial Measures The Hartford uses non-GAAP financial measures in this presentation to assist investors in analyzing The Hartford's operating per formance for the periods presented herein. Because The Hartford's calculation of these measures may differ fr
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