The Hartford Announces Outstanding Results For The Fourth Quarter and Full Year 2024

About this update from The Hartford Insurance Group, Inc.

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Core earnings* of $865 million ($2.94 core earnings per diluted share*) decreased 7% from $935 million ($3.06 core earnings per diluted share) over the same period in 2023.","length":366,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Full year 2024 net income available to common stockholders of $3.1 billion ($10.35 per diluted share) increased 24% from $2.5 billion ($7.97 per diluted share) and core earnings of $3.1 billion ($10.30 core earnings per diluted share) increased 11% from $2.8 billion ($8.88 core earnings per diluted share) over the same period in 2023.","length":336,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Net income ROE for the year of 19.9% and core earnings ROE* of 16.7%.","length":69,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Property & Casualty (P&C) written premiums increased by 7% in the fourth quarter of 2024 compared to the same period in 2023, and by 10% for the full year, driven by Commercial Lines and Personal Lines premium growth of 6% and 12% in the fourth quarter, and 9% and 13% for the full year, respectively.","length":309,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Commercial Lines fourth quarter 2024 combined ratio of 87.4 and underlying combined ratio* of 87.1. Full year 2024 combined ratio of 89.9 and underlying combined ratio of 87.9.","length":176,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Personal Lines fourth quarter 2024 combined ratio of 85.8 improved 15.4 points, and underlying combined ratio* of 90.2 improved 9.3 points compared with the 2023 period. Full year 2024 combined ratio of 99.1 improved 8.4 points, and underlying combined ratio of 94.1 improved 5.2 points from the 2023 period.","length":308,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Group Benefits fourth quarter net income margin of 7.1% and core earnings margin* of 7.8%. Full year net income margin of 7.9% and core earnings margin of 8.2%.","length":160,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Returned $537 million to stockholders in the fourth quarter, including $400 million of shares repurchased and $137 million in common stockholder dividends paid. For the full year, returned $2.1 billion to stockholders, including $1.5 billion of shares repurchased and $556 million in common stockholder dividends paid.","length":318,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":2042,"olType":false},{"type":"text","content":"* Denotes financial measure not calculated in accordance with generally accepted accounting principles (non-GAAP); definitions of non-GAAP measures and reconciliations to their closest GAAP measures can be found in this news release under the heading Discussion of Non-GAAP Financial Measures. ** All amounts and percentages set forth in this news release are approximate unless otherwise noted.","length":395,"tagName":"p"},{"type":"text","content":" HARTFORD, Conn., January 30, 2025 --( BUSINESS WIRE )--The Hartford (NYSE: HIG) today announced financial results for the fourth quarter and year ended Dec. 31, 2024.","length":163,"tagName":"p"},{"type":"readMore"},{"type":"text","content":""The Hartford delivered an outstanding year with a core earnings ROE of 16.7 percent," said The Hartford’s Chairman and CEO Christopher Swift. "Results were driven by sustained momentum in Commercial Lines, which once again generated strong top-line growth at highly profitable margins, significant progress in Personal Lines toward restoring target profitability in auto, continued strong margins in Group Benefits, and a higher investment portfolio yield."","length":478,"tagName":"p"},{"type":"text","content":"The Hartford's Chief Financial Officer Beth Costello said, "Commercial Lines had a strong quarter with top-line growth of 6 percent and an underlying combined ratio of 87.1. Pricing, excluding workers’ compensation, accelerated to 9.7 percent in the quarter and remains above loss cost trends. Personal Lines achieved 9.3 points of underlying combined ratio improvement in the quarter, including over 10 points in auto. Group Benefits continued to outperform with a core earnings margin of 7.8 percent, led by strong life and disability results."","length":560,"tagName":"p"},{"type":"text","content":"Swift continued, "Our outstanding results demonstrate the strength of our franchise, particularly our exceptional underwriting execution, extensive distribution relationships, and an unparalleled customer experience. With these capabilities and our high quality talent, we are well positioned to sustain our momentum, delivering profitable growth at industry-leading ROEs in 2025 and beyond."","length":402,"tagName":"p"},{"type":"text","content":" CONSOLIDATED RESULTS: ","length":21,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;border-top:solid black 1.0pt;border-left:solid black 1.0pt;padding-left:0.0px;width:52%;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"3","rowspan":"1","style":"border-top:solid black 1.0pt;border-right:solid black 1.0pt;padding-left:0.0px;text-align:center;list-style-position:inside;","val":[{"type":"text","content":" Three Months Ended ","length":18,"tagName":"p","attribs":{}}]},{"colspan":"3","rowspan":"1","style":"border-top:solid black 1.0pt;border-right:solid black 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