The Hartford Reports Outstanding Fourth Quarter Earnings Of $1.1 Billion And Full Year 2025 Earnings Of $3.8 Billion

About this update from The Hartford Insurance Group, Inc.

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Full year 2025 combined ratio of 88.3 and an underlying combined ratio of 88.5.","length":184,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Personal Insurance fourth quarter 2025 combined ratio of 79.6 and an underlying combined ratio* of 84.3. Full year 2025 combined ratio of 91.9 and an underlying combined ratio of 88.0.","length":184,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Employee Benefits fourth quarter net income margin of 7.2% and a core earnings margin* of 7.6%. Full year net income margin of 7.8% and core earnings margin of 8.2%.","length":165,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Returned $546 million to stockholders in the fourth quarter, including $400 million of shares repurchased and $146 million in common stockholder dividends paid. For the full year, returned $2.2 billion to stockholders, including $1.6 billion of shares repurchased and $592 million in common stockholder dividends paid.","length":318,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":1887,"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., January 29, 2026 --( BUSINESS WIRE )--The Hartford (NYSE: HIG) today announced financial results for the fourth quarter and year ended Dec. 31, 2025.","length":163,"tagName":"p"},{"type":"text","content":""The Hartford delivered an outstanding year, with core earnings of $3.8 billion and a core earnings ROE of 19.4 percent," said The Hartford’s Chairman and CEO Christopher Swift. "Results were driven by excellent performance in Business Insurance, which once again generated robust top-line growth at highly profitable margins, a pivotal year in Personal Insurance that restored target profitability in auto, strong margins in Employee Benefits, and solid performance from our investment portfolio."","length":518,"tagName":"p"},{"type":"readMore"},{"type":"text","content":"The Hartford's Chief Financial Officer Beth Costello said, "Business Insurance once again delivered excellent results in the quarter, with 7 percent top-line growth and an underlying combined ratio of 88.1. Personal Insurance achieved 5.9 points of underlying combined ratio improvement, while Employee Benefits delivered a core earnings margin of 7.6 percent. Investment performance was solid, supported by a diversified portfolio, attractive new money yields, and strong limited partnership returns."","length":516,"tagName":"p"},{"type":"text","content":"Swift continued, "These outstanding fourth quarter and full-year results demonstrate the effectiveness of our strategy and the impact of innovation across the enterprise. We enter 2026 with momentum. Disciplined underwriting, extensive and trusted distribution relationships, and an unparalleled customer experience position The Hartford to continue delivering superior returns for shareholders."","length":406,"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:40%;","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":{}}]},{"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":" Year 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