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Jun 30, 2025
The Hartford Q2 2025 Earnings Report
The Hartford reported strong results with core earnings reaching nearly $1 billion in Q2 2025.
Key Takeaways
The Hartford posted significant year-over-year growth in net income and EPS, driven by strong underwriting performance, investment income, and premium growth across segments.
Net income rose to $990 million, up from $733 million last year.
Core earnings reached $981 million, with adjusted EPS at $3.41.
Written premiums increased across both Business and Personal Insurance segments.
Net investment income grew to $664 million, benefiting from higher interest rates.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
The company expects continued profitable growth, supported by strategic investments and favorable pricing trends.
Positive Outlook
- Strong core earnings and investment income trends.
- Favorable underwriting results across major segments.
- Continued growth in written premiums.
- Improved loss ratios in Personal Insurance.
- Increased market presence and customer focus initiatives.
Challenges Ahead
- Expense ratio increases in Group Benefits due to technology and staffing.
- Moderating loss cost increases in automobile lines.
- Global Specialty saw less favorable development related to reinsurance gains.
- Higher group disability claim incidence impacted Employee Benefits.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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