Sep 30, 2020

The Hartford Q3 2020 Earnings Report

The Hartford's Q3 2020 financial results were announced, showcasing core earnings of $527 million and EPS of $1.26. The company faced challenges from COVID-19 and catastrophe losses but demonstrated underlying business strength.

Key Takeaways

The Hartford reported a net income of $453 million, or $1.26 per diluted share, a 14% decrease from Q3 2019. Core earnings were $527 million, or $1.46 per diluted share, a 4% decrease from Q3 2019. The results reflect improving underlying margins offset by challenges from the global pandemic and catastrophe losses.

Net income available to common stockholders decreased by 14% to $453 million, or $1.26 per diluted share.

Core earnings declined by 4% to $527 million, or $1.46 per diluted share.

Incurred losses from COVID-19 were $72 million before tax, with $37 million in P&C and $35 million in Group Benefits.

Catastrophe losses in Q3 2020 were $229 million before tax, impacting the P&C combined ratio by 7.6 points.

Total Revenue
$5.17B
Previous year: $5.35B
-3.3%
EPS
$1.46
Previous year: $1.5
-2.7%
Group Benefits Expense Ratio
35,000,000%
Group Benefits Loss ratio
73.8%
Previous year: 71.1%
+3.8%
Gross Profit
$5.17B
Previous year: $5.35B
-3.3%
Cash and Equivalents
$270M
Previous year: $290M
-6.9%
Free Cash Flow
$1.36B
Previous year: $1.41B
-3.5%
Total Assets
$72.3B
Previous year: $70.3B
+2.9%

The Hartford

The Hartford

The Hartford Revenue by Segment

Forward Guidance

No specific forward guidance was provided in the document. The document states that the company is well positioned to continue to effectively manage through these unprecedented times.

Revenue & Expenses

Visualization of income flow from segment revenue to net income