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Sep 30, 2023

The Hartford Q3 2023 Earnings Report

The Hartford reported strong financial performance driven by exceptional results in Commercial Lines and Group Benefits businesses, along with a strong investment contribution.

Key Takeaways

The Hartford announced strong Q3 2023 financial results, with net income available to common stockholders increasing by 93% to $645 million, or $2.09 per diluted share. Core earnings also rose by 50% to $708 million, or $2.29 per diluted share. The company's performance was driven by strong results in Commercial Lines and Group Benefits, as well as a solid contribution from investments. The Hartford returned $481 million to stockholders through share repurchases and dividends.

Net income available to common stockholders increased 93% to $645 million, or $2.09 per diluted share.

Core earnings increased 50% to $708 million, or $2.29 per diluted share.

Property & Casualty written premiums rose 8%, driven by both Commercial Lines and Personal Lines.

Group Benefits fully insured ongoing premium growth of 8%.

Total Revenue
$6.17B
Previous year: $5.58B
+10.5%
EPS
$2.29
Previous year: $1.44
+59.0%
Group Benefits Expense Ratio
24%
Previous year: 25.4%
-5.5%
Group Benefits Loss ratio
70.2%
Previous year: 72.8%
-3.6%
Gross Profit
$6.17B
Previous year: $5.58B
+10.5%
Cash and Equivalents
$181M
Previous year: $50.7B
-99.6%
Free Cash Flow
$1.72B
Previous year: $1.48B
+16.5%
Total Assets
$67.6B
Previous year: $71.8B
-5.9%

The Hartford

The Hartford

The Hartford Revenue by Segment

Forward Guidance

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

Positive Outlook

  • Strong competitive position
  • Successfully executing on priorities
  • Delivering superior returns for shareholders
  • Excellent results driven by 8 percent growth in fully insured ongoing premiums
  • Attractive new money yields

Revenue & Expenses

Visualization of income flow from segment revenue to net income