The Hartford Announces Record Third Quarter Earnings

About this update from The Hartford Insurance Group, Inc.

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Record core earnings* of $1.1 billion ($3.78 core earnings per diluted share*) increased 43% from $752 million ($2.53 core earnings per diluted share) over the same period in 2024.","length":380,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Net income ROE for the trailing 12 months of 20.3% and core earnings ROE* of 18.4%.","length":83,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Property & Casualty (P&C) written premiums increased by 7% in the third quarter of 2025, driven by Business Insurance premium growth of 9%.","length":147,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Business Insurance third quarter 2025 combined ratio of 88.8 and an underlying combined ratio* of 89.4.","length":103,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Personal Insurance third quarter 2025 combined ratio of 88.7 and an underlying combined ratio* of 90.0.","length":103,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"P&C current accident year (CAY) catastrophe (CAT) losses in third quarter 2025 of $70 million, before tax, compared with $247 million, before tax in third quarter 2024.","length":172,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Employee Benefits third quarter net income margin of 8.1% and a core earnings margin* of 8.3%.","length":94,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Returned $547 million to stockholders in the third quarter, including $400 million of shares repurchased and $147 million in common stockholder dividends paid. Increased the quarterly common dividend per share by 15%, to $0.60, payable Jan. 5, 2026 to shareholders of record at the close of business on Dec. 1, 2025.","length":316,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":1398,"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 U.S. GAAP measures can be found in this news release under the heading Discussion of Non-GAAP Financial Measures.","length":298,"tagName":"p"},{"type":"text","content":"** All amounts and percentages set forth in this news release are approximate unless otherwise noted.","length":101,"tagName":"p"},{"type":"text","content":" HARTFORD, Conn., October 27, 2025 --( BUSINESS WIRE )--The Hartford (NYSE: HIG) today announced financial results for the third quarter ended Sept. 30, 2025.","length":154,"tagName":"p"},{"type":"text","content":""The Hartford delivered outstanding third quarter results, generating record core earnings of $1.1 billion and a trailing 12-month core earnings ROE of 18.4 percent," said The Hartford’s Chairman and CEO Christopher Swift. "These results highlight the strength of The Hartford’s franchise, effectiveness of our strategy and ability to deliver differentiated solutions for customers."","length":403,"tagName":"p"},{"type":"text","content":"The Hartford's Chief Financial Officer Beth Costello said, "Business Insurance delivered excellent top-line growth of 9 percent, with an underlying combined ratio of 89.4. Excluding workers’ compensation, pricing was 7.3 percent, and above the overall loss trend. Personal Insurance achieved 3.7 points of underlying combined ratio improvement, while Employee Benefits delivered an outstanding core earnings margin of 8.3 percent. Investment performance was strong, supported by a diversified portfolio and attractive new money yields."","length":550,"tagName":"p"},{"type":"readMore"},{"type":"text","content":"Swift continued, "Building on our consistent track record of annual dividend increases, we are pleased to announce a 15 percent increase in the common quarterly dividend. As we enter the final quarter of 2025, our financial strength, disciplined execution, and investments to advance innovation continue to position The Hartford to deliver strong results. In a dynamic market, these advantages reinforce our competitive standing and ability to generate superior returns for shareholders."","length":498,"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:67%;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"3","rowspan":"1","style":"vertical-align:bottom;border-top:solid black 1.0pt;border-right:solid black 1.0pt;padding-left:0.0px;","val":[{"type":"text","content":" Three Months Ended ","length":18,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;border-left:solid black 1.0pt;padding-left:0.0px;width:67%;","val":[{"type":"text","content":" ($ in millions except per share data) 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