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Dec 31, 2025
The Hartford Q4 2025 Earnings Report
The Hartford reported strong fourth quarter earnings with increased net income and core earnings driven by robust investment performance and premium growth.
Key Takeaways
The Hartford delivered outstanding Q4 results with net income of $1.13 billion and EPS of $3.98, driven by strong core earnings, higher investment income, and disciplined underwriting across all segments.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
The company expects continued momentum into 2026 with a focus on disciplined underwriting, digital innovation, and capital returns.
Positive Outlook
- Strong core earnings momentum entering 2026
- Improved profitability in Personal Insurance
- Business Insurance achieved 7% premium growth
- Robust investment income from LPs and reinvestment
- Returned $546M to shareholders in Q4 via dividends and buybacks
Challenges Ahead
- Higher expense ratios in Employee Benefits and Business Insurance
- Modest net outflows in Hartford Funds business
- Ongoing volatility in CAT losses from weather events
- Increase in asbestos and environmental reserves
- Flat fully insured premiums in Employee Benefits
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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