Jun 30, 2023

The Hartford Q2 2023 Earnings Report

The Hartford reported strong results in a dynamic market environment, driven by underwriting excellence, product breadth, and technology advantages.

Key Takeaways

The Hartford announced second quarter 2023 financial results, with net income available to common stockholders of $542 million, or $1.73 per diluted share, a 23% increase from the same period in 2022. Core earnings were $588 million, or $1.88 per diluted share. The company returned $484 million to stockholders through share repurchases and dividends.

Net income available to common stockholders increased 23% to $542 million ($1.73 per diluted share).

Core earnings of $588 million ($1.88 core earnings per diluted share).

Property & Casualty (P&C) written premiums rose 11%, driven by Commercial Lines premium growth of 12%.

Group Benefits fully insured ongoing premium growth of 7%.

Total Revenue
$6.05B
Previous year: $5.37B
+12.6%
EPS
$1.88
Previous year: $2.15
-12.6%
Group Benefits Expense Ratio
24.5%
Previous year: 25.2%
-2.8%
Group Benefits Loss ratio
72.1%
Previous year: 70.2%
+2.7%
Gross Profit
$6.05B
Previous year: $5.37B
+12.6%
Cash and Equivalents
$222M
Previous year: $348M
-36.2%
Free Cash Flow
-$99M
Previous year: $928M
-110.7%
Total Assets
$73.9B
Previous year: $72.4B
+2.1%

The Hartford

The Hartford

The Hartford Revenue by Segment

Forward Guidance

The Hartford is confident in its ability to deliver core earnings ROEs in the 14 to 15 percent range.

Revenue & Expenses

Visualization of income flow from segment revenue to net income