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Sep 30, 2025
The Hartford Q3 2025 Earnings Report
The Hartford reported record results in Q3 2025, driven by strong underwriting performance, significantly lower catastrophe losses, and increased net investment income.
Key Takeaways
The Hartford delivered record Q3 2025 earnings with net income and core earnings both reaching $1.1 billion, supported by premium growth, favorable reserve development, and investment income gains.
Net income rose to $1.074 billion, up from $761 million in Q3 2024.
EPS reached $3.77; core EPS was $3.78, reflecting strong operational results.
P&C current accident year catastrophe losses dropped to $70 million from $247 million in the prior year.
Net investment income increased to $759 million, driven by gains in alternative investments and higher yields.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
The Hartford emphasized confidence in continued strong performance heading into the final quarter of 2025, backed by premium growth, strategic pricing, and investment in innovation.
Positive Outlook
- Business Insurance maintained pricing above loss trend levels.
- Personal Insurance saw improved margins in auto and homeowners.
- Employee Benefits delivered an 8.3% core earnings margin.
- Investment income rose from alternative investments and higher reinvestment yields.
- 15% increase in quarterly dividend signals confidence in sustained cash flow.
Challenges Ahead
- Group disability loss ratio increased due to adverse trend assumptions.
- Higher expense ratio in Employee Benefits from staffing and technology costs.
- Personal Insurance margin improvement partly offset by commission increases.
- Business Insurance saw a higher underlying loss ratio in workers’ compensation.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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