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Hartford Financial Services Group (The) Earnings Calls
| Release date | Oct 27, 2025 |
| EPS estimate | $3.09 |
| EPS actual | $3.78 |
| EPS Surprise | 22.33% |
| Revenue estimate | 7.165B |
| Revenue actual | 7.147B |
| Revenue Surprise | -0.257% |
| Release date | Jul 28, 2025 |
| EPS estimate | $2.83 |
| EPS actual | $3.41 |
| EPS Surprise | 20.49% |
| Revenue estimate | 7.043B |
| Revenue actual | 6.987B |
| Revenue Surprise | -0.790% |
| Release date | Apr 24, 2025 |
| EPS estimate | $2.15 |
| EPS actual | $2.20 |
| EPS Surprise | 2.33% |
| Revenue estimate | 6.807B |
| Revenue actual | 6.771B |
| Revenue Surprise | -0.522% |
| Release date | Jan 30, 2025 |
| EPS estimate | $2.68 |
| EPS actual | $2.94 |
| EPS Surprise | 9.70% |
| Revenue estimate | 6.613B |
| Revenue actual | 6.8B |
| Revenue Surprise | 2.82% |
Last 4 Quarters for Hartford Financial Services Group (The)
Below you can see how HIG 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 | $114.26 |
| EPS estimate | $2.68 |
| EPS actual | $2.94 |
| EPS surprise | 9.70% |
| Date | Price |
|---|---|
| Jan 24, 2025 | $111.49 |
| Jan 27, 2025 | $114.42 |
| Jan 28, 2025 | $113.42 |
| Jan 29, 2025 | $113.50 |
| Jan 30, 2025 | $114.26 |
| Jan 31, 2025 | $111.55 |
| Feb 03, 2025 | $112.30 |
| Feb 04, 2025 | $111.97 |
| Feb 05, 2025 | $113.61 |
| 4 days before | 2.48% |
| 4 days after | -0.569% |
| On release day | -2.37% |
| Change in period | 1.90% |
| Release date | Apr 24, 2025 |
| Price on release | $119.24 |
| EPS estimate | $2.15 |
| EPS actual | $2.20 |
| EPS surprise | 2.33% |
| Date | Price |
|---|---|
| Apr 17, 2025 | $117.80 |
| Apr 21, 2025 | $114.22 |
| Apr 22, 2025 | $118.74 |
| Apr 23, 2025 | $119.05 |
| Apr 24, 2025 | $119.24 |
| Apr 25, 2025 | $118.76 |
| Apr 28, 2025 | $120.41 |
| Apr 29, 2025 | $122.22 |
| Apr 30, 2025 | $122.67 |
| 4 days before | 1.22% |
| 4 days after | 2.88% |
| On release day | -0.403% |
| Change in period | 4.13% |
| Release date | Jul 28, 2025 |
| Price on release | $121.24 |
| EPS estimate | $2.83 |
| EPS actual | $3.41 |
| EPS surprise | 20.49% |
| Date | Price |
|---|---|
| Jul 22, 2025 | $123.21 |
| Jul 23, 2025 | $123.23 |
| Jul 24, 2025 | $123.04 |
| Jul 25, 2025 | $123.35 |
| Jul 28, 2025 | $121.24 |
| Jul 29, 2025 | $124.64 |
| Jul 30, 2025 | $124.63 |
| Jul 31, 2025 | $124.39 |
| Aug 01, 2025 | $123.00 |
| 4 days before | -1.60% |
| 4 days after | 1.45% |
| On release day | 2.80% |
| Change in period | -0.170% |
| Release date | Oct 27, 2025 |
| Price on release | $124.97 |
| EPS estimate | $3.09 |
| EPS actual | $3.78 |
| EPS surprise | 22.33% |
| Date | Price |
|---|---|
| Oct 21, 2025 | $125.10 |
| Oct 22, 2025 | $124.88 |
| Oct 23, 2025 | $125.25 |
| Oct 24, 2025 | $125.11 |
| Oct 27, 2025 | $124.97 |
| Oct 28, 2025 | $122.69 |
| Oct 29, 2025 | $122.36 |
| Oct 30, 2025 | $123.46 |
| Oct 31, 2025 | $124.18 |
| 4 days before | -0.104% |
| 4 days after | -0.632% |
| On release day | -1.82% |
| Change in period | -0.735% |
Hartford Financial Services Group (The) Earnings Call Transcript Summary of Q3 2025
The Hartford reported a very strong Q3 2025 with record core earnings per share and robust top-line growth across its segments. Business Insurance drove the quarter with high-quality growth (written premium +9% overall; Small business +11%, Middle & Large +10%), strong underlying combined ratios (Business Insurance 89.4%; Global Specialty mid-80s) and disciplined pricing (renewal written pricing ex-WC 7.3%). Personal Insurance continued to improve (underlying combined ratio 90%; homeowners strong at mid-70s; auto improving toward targeted levels) while policies-in-force growth remains constrained by a competitive market. Employee Benefits delivered an 8.3% core earnings margin with solid life and disability performance. Investments produced higher net investment income (portfolio yield ~4.6% ex-LP; LP returns ~6.7% annualized in Q3). Capital actions included a 15% increase in the common quarterly dividend to $0.60 and continued share repurchases (~$400M this quarter; $1.95B remaining authorization). Management continues to emphasize underwriting discipline, targeted pricing above loss trend in many liability lines, ongoing technology/AI investments (total IT run + invest ~$1.3B with >$500M invested) to improve underwriting, claims and distribution, and a focus on profitable growth and capital returns.
