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The Hartford Financial Services Group Earnings Calls
| Release date | Oct 27, 2025 |
| EPS estimate | $3.09 |
| EPS actual | $3.78 |
| EPS Surprise | 22.33% |
| Revenue estimate | 7.285B |
| Revenue actual | 7.232B |
| Revenue Surprise | -0.730% |
| Release date | Jul 28, 2025 |
| EPS estimate | $2.83 |
| EPS actual | $3.46 |
| EPS Surprise | 22.26% |
| Revenue estimate | 7.165B |
| Revenue actual | 6.987B |
| Revenue Surprise | -2.48% |
| Release date | Apr 24, 2025 |
| EPS estimate | $2.15 |
| EPS actual | $2.17 |
| EPS Surprise | 0.93% |
| Revenue estimate | 6.966B |
| Revenue actual | 6.81B |
| Revenue Surprise | -2.24% |
| Release date | Jan 30, 2025 |
| EPS estimate | $2.64 |
| EPS actual | $2.94 |
| EPS Surprise | 11.36% |
| Revenue estimate | 6.613B |
| Revenue actual | 6.879B |
| Revenue Surprise | 4.02% |
Last 4 Quarters for The Hartford Financial Services Group
Below you can see how 0J3H.L performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 30, 2025 |
| Price on release | $113.49 |
| EPS estimate | $2.64 |
| EPS actual | $2.94 |
| EPS surprise | 11.36% |
| Date | Price |
|---|---|
| Jan 24, 2025 | $110.92 |
| Jan 27, 2025 | $113.85 |
| Jan 28, 2025 | $113.83 |
| Jan 29, 2025 | $114.50 |
| Jan 30, 2025 | $113.49 |
| Jan 31, 2025 | $109.18 |
| Feb 03, 2025 | $111.25 |
| Feb 04, 2025 | $112.65 |
| Feb 05, 2025 | $113.09 |
| 4 days before | 2.31% |
| 4 days after | -0.350% |
| On release day | -3.80% |
| Change in period | 1.96% |
| Release date | Apr 24, 2025 |
| Price on release | $119.26 |
| EPS estimate | $2.15 |
| EPS actual | $2.17 |
| EPS surprise | 0.93% |
| Date | Price |
|---|---|
| Apr 16, 2025 | $117.47 |
| Apr 17, 2025 | $118.74 |
| Apr 22, 2025 | $116.92 |
| Apr 23, 2025 | $119.64 |
| Apr 24, 2025 | $119.26 |
| Apr 25, 2025 | $118.23 |
| Apr 28, 2025 | $119.76 |
| Apr 29, 2025 | $121.17 |
| Apr 30, 2025 | $121.99 |
| 4 days before | 1.53% |
| 4 days after | 2.29% |
| On release day | -0.86% |
| Change in period | 3.85% |
| Release date | Jul 28, 2025 |
| Price on release | $122.23 |
| EPS estimate | $2.83 |
| EPS actual | $3.46 |
| EPS surprise | 22.26% |
| Date | Price |
|---|---|
| Jul 22, 2025 | $122.89 |
| Jul 23, 2025 | $122.61 |
| Jul 24, 2025 | $122.89 |
| Jul 25, 2025 | $123.40 |
| Jul 28, 2025 | $122.23 |
| Jul 29, 2025 | $125.39 |
| Jul 30, 2025 | $125.41 |
| Jul 31, 2025 | $125.26 |
| Aug 01, 2025 | $123.55 |
| 4 days before | -0.537% |
| 4 days after | 1.08% |
| On release day | 2.59% |
| Change in period | 0.537% |
| Release date | Oct 27, 2025 |
| Price on release | $124.87 |
| EPS estimate | $3.09 |
| EPS actual | $3.78 |
| EPS surprise | 22.33% |
| Date | Price |
|---|---|
| Oct 21, 2025 | $123.42 |
| Oct 22, 2025 | $125.25 |
| Oct 23, 2025 | $125.40 |
| Oct 24, 2025 | $124.72 |
| Oct 27, 2025 | $124.87 |
| Oct 28, 2025 | $122.97 |
| Oct 29, 2025 | $122.31 |
| Oct 30, 2025 | $123.84 |
| Oct 31, 2025 | $123.81 |
| 4 days before | 1.17% |
| 4 days after | -0.85% |
| On release day | -1.52% |
| Change in period | 0.316% |
The Hartford Financial Services Group Earnings Call Transcript Summary of Q3 2025
The Hartford reported a very strong Q3 2025 driven by record core earnings ($3.78 per diluted share) and a trailing 12-month core earnings ROE of 18.4%. Business Insurance led growth: written premium +9% overall, with Small Business +11% (package and auto strength, E&S binding +47%) and Middle & Large +10%; underlying combined ratios in Business Insurance remained attractive (small ~89.8%, middle ~91.4%, Global Specialty ~85.8%). Personal Insurance results improved (auto underlying trending toward targets, homeowners strong with mid-70s combined ratio) while policies-in-force growth remains constrained by a competitive market; Prevail agency product rollout (6 states live, 30 planned by early 2027) is a key growth initiative. Employee Benefits delivered an 8.3% core earnings margin with solid life and disability results. Pricing execution remains largely disciplined (Business Insurance renewal pricing ex-WC ~7.3%; auto pricing ~11%; homeowners ~12.6%), and the company is watching loss trend drivers (liability elevated; workers’ comp steady). Investment portfolio produced higher net investment income ($759M) and portfolio yield management continues (portfolio yield ex-LP ~4.6%, LP returns ~6.7%). Capital actions: 15% increase in quarterly dividend to $0.60, continued share repurchases ($400M in Q3; expectation to remain at that pace in Q4) and $1.95B remaining on the repurchase authorization; S&P and Moody’s upgraded Hartford’s ratings. The company reiterated focus on underwriting discipline, margin protection, continued tech/AI investments (overall IT run ~ $1.3B with ~ $500M in invest spend) and confidence in sustaining returns despite a dynamic market environment. Key items for investors: strong profitability and ROE, disciplined pricing and underwriting, capital returns (dividend step-up + steady buybacks), ongoing tech-driven growth initiatives, and exposure items to monitor (workers’ comp dynamics, liability trends, catastrophe activity and reserve development).
