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Mar 31, 2025
The Hartford Q1 2025 Earnings Report
The Hartford reported solid Q1 2025 earnings despite catastrophe losses.
Key Takeaways
The Hartford delivered strong underlying performance in Q1 2025, with notable growth in Business Insurance and Employee Benefits. However, elevated catastrophe losses—particularly from the California wildfires—impacted overall profitability.
Net income was $625 million, down from $748 million a year ago.
EPS came in at $2.15, with core EPS at $2.20.
Revenues totaled $6.81 billion for the quarter.
Employee Benefits margins improved with strong underwriting and investment income.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
The Hartford expects to maintain strong ROEs and profitable growth despite ongoing market volatility and catastrophe risks.
Positive Outlook
- Sustained momentum in Business Insurance underwriting.
- Improved margins in Employee Benefits.
- Higher investment yields from diversified portfolios.
- Strong net investment income contributions.
- Improved underwriting in Personal Auto segment.
Challenges Ahead
- Elevated catastrophe losses affecting earnings.
- Higher expenses in Personal Insurance due to direct marketing.
- Decline in Hartford Funds net income due to lack of realized gains.
- Net realized investment losses in the quarter.
- Decline in core earnings compared to prior year.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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