HARTFORD INSURANCE GROUP, INC.

Listed Company

HIGCIK 0000874766NYSELarge AcceleratedFire, Marine & Casualty InsuranceDelawareFY ends Dec 31

Period

FY 2025

Revenue

$28.37B

Net Income

$3.84B

Total Assets

$86.00B

Equity

$18.98B

Shares Out

274.13M

Op. Cash Flow

$5.92B

Business

HARTFORD INSURANCE GROUP, INC. is a holding company whose subsidiaries underwrite property and casualty insurance, provide employee group benefits, and offer mutual funds and exchange-traded funds, plus related investment and claims services. Its principal products include workers’ compensation, general liability, commercial and personal property, commercial automobile, professional liability, group life and disability, voluntary supplemental benefits, mutual funds and ETFs, and investment management and claims administration services. The company reports five primary segments: Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds (plus Corporate). It primarily serves customers in the United States with operations in the United Kingdom and other international locations, distributing through independent agents and brokers, wholesale channels, direct-to-consumer, payroll and affinity partnerships, broker-dealers and financial advisers, and via its Lloyd’s syndicate platform.

Summary from filing dated 2025-02-21

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Earned premiums	24,030	22,567	21,026	19,390	17,999
Fee income	1,417	1,373	1,300	1,349	1,488
Net investment income	2,911	2,568	2,305	2,177	2,313
Net realized losses	−100	−61	−188	−627	509
Other revenues	110	88	84	73	81
Total revenues	28,368	26,535	24,527	22,362	22,390
Benefits, losses and loss adjustment expenses	15,238	14,874	14,238	13,138	12,720
"Amortization of deferred policy acquisition costs (""DAC"")"	2,516	2,282	2,044	1,824	1,668
Selling, General and Administrative Expense	5,584	5,258	4,881	4,841	4,791
Interest expense	199	199	199	213	234
Amortization of other intangible assets	71	71	71	71	71
Restructuring and other costs	0	2	6	13	1
Benefits, losses and expenses	23,608	22,686	21,439	20,100	19,485
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	4,760	3,849	3,088	2,262	2,905
Income tax expense	924	738	584	443	534
Net income	3,836	3,111	2,504	1,819	2,371
Less: Preferred stock dividends	21	21	21	21	21
Net income (loss) available to common stockholders	3,815	3,090	2,483	1,798	2,350
Net income (loss) Basic	13.51	10.51	8.09	5.54	6.73
Net income (loss) Diluted	13.32	10.35	7.97	5.46	6.64

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Total fixed maturities, AFS	46,041	42,567	39,818	36,231	42,847
"Fixed maturities, at fair value using the fair value option (""FVO securities"")"	168	308	327	333	160
Equity securities, at fair value	492	603	864	1,801	2,094
Financing Receivable, after Allowance for Credit Loss	6,837	6,396	6,087	6,000	5,383
Limited partnerships and other alternative investments	5,804	5,042	4,785	4,177	3,353
Other investments	262	226	191	159	215
Short-term investments	4,353	4,068	3,850	3,859	3,697
Total investments	63,957	59,210	55,922	52,560	57,749
Cash	133	183	126	229	205
Restricted Cash	44	51	63	115	132
Accrued Investment Income Receivable	474	450	404	372	—
Premiums receivable and agents' balances (net of ACL of $142 and $117)	6,316	5,998	5,607	4,949	4,445
Reinsurance recoverables (net of allowance for uncollectible reinsurance of $69 and $75)	7,191	7,140	7,104	6,964	6,524
Deferred policy acquisition costs	1,347	1,239	1,113	998	874
Deferred income taxes, net	901	1,229	1,173	1,437	281
Goodwill	1,911	1,911	1,911	1,911	1,911
Property and equipment, net	931	888	896	927	1,027
Other intangible assets, net	566	637	707	778	858
Other assets	2,226	1,981	1,754	1,768	2,577
Total assets	85,997	80,917	76,780	73,008	76,578
Unpaid losses and loss adjustment expenses	46,268	44,610	42,318	41,243	39,659
Liability for Future Policy Benefit, before Reinsurance	444	448	484	502	646
Policyholder Account Balance	612	614	638	658	687
Unearned premiums	10,053	9,408	8,599	7,815	7,194
Long-term debt	4,371	4,366	4,362	4,357	4,944
Other liabilities	5,270	5,024	5,052	4,757	5,655
Total liabilities	67,018	64,470	61,453	59,332	58,735
Preferred stock, $0.01 par value 50,000,000 shares authorized, 13,800 shares issued at December 31, 2025 and December 31, 2024, aggregate liquidation preference of $345	334	334	334	334	334
Common Stock, Value, Issued	3	3	3	3	4
Additional paid-in capital	549	578	648	1,895	3,309
Retained earnings	24,739	21,531	19,007	17,058	15,770
Treasury Stock, Value	−4,589	−3,113	−1,816	−1,773	−1,740
Accumulated other comprehensive loss, net of tax	−2,057	−2,886	−2,849	−3,841	128
Total stockholders' equity	18,979	16,447	15,327	13,676	17,805
Total liabilities and stockholders equity	85,997	80,917	76,780	73,008	76,578
Common Stock, Shares, Issued	327	327	327	345	367

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net realized losses	100	61	188	627	−530
Amortization of deferred policy acquisition costs	2,516	2,282	2,044	1,824	1,668
Additions to deferred policy acquisition costs	−2,624	−2,408	−2,159	−1,939	−1,739
Depreciation and amortization	396	356	510	625	680
Other operating activities, net	148	329	213	109	−125
Increase in reinsurance recoverables	−63	−54	−155	−470	−583
Net change in accrued and deferred income taxes	42	−100	−29	−80	85
Increase in insurance liabilities	2,272	3,058	1,819	2,192	2,411
Increase (Decrease) in Premiums Receivable	−419	−458	−708	−562	−190
Net change in other assets and other liabilities	−282	−268	−7	−146	24
Cash provided by operating activities	5,922	5,909	4,220	4,008	4,093
Fixed maturities, AFS	10,352	10,808	6,806	14,996	22,457
Proceeds From Sale and Maturity of Fair Value Option, Fixed Maturity Securties	109	50	2	2	0
Proceeds from Sale and Maturity of Marketable Securities	240	401	2,173	1,213	626
Mortgage loans	1,598	740	1,036	973	1,506
Limited partnerships and other alternative investments	291	238	295	349	537
Fixed maturities, AFS	−12,769	−14,023	−9,105	−14,255	−21,754
Payments for the purchase of Fair Value Option Fixed Maturity Securties	−17	−52	0	−216	−160
Equity securities, at fair value	−97	−44	−1,183	−1,371	−1,420
Mortgage loans	−2,021	−1,025	−1,055	−1,596	−2,386
Limited partnerships and other alternative investments	−1,025	−664	−966	−1,095	−1,317
Net proceeds from (payments for) derivatives	−12	35	−129	54	−7
Net additions of property and equipment	−169	−145	−215	−175	−133
Net payments for short-term investments	−149	−80	−69	−160	−417
Other investing activities, net	−89	−7	−21	4	−9
Net cash used for investing activities	−3,758	−3,768	−2,431	−1,277	−2,466
Deposits and other additions to investment and universal life-type contracts	127	108	96	88	89
Withdrawals and other deductions from investment and universal life-type contracts	−116	−115	−100	−102	−75
Net issuance (return of) shares under incentive and stock compensation plans, including related excise tax benefit	−18	22	6	−19	25
Treasury stock acquired, including related excise tax paid	−1,615	−1,514	−1,400	−1,550	−1,702
Payments for Repurchase of Preferred Stock and Preference Stock	−21	−21	−21	−21	−21
Dividends paid on common stock	−592	−556	−528	−506	−485
Net cash used for financing activities	−2,235	−2,076	−1,947	−2,710	−1,581
Effect of Exchange Rate on Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Including Discontinued Operation	14	−20	3	−14	−6
Net increase (decrease) in cash and restricted cash	−57	45	−155	7	98
Interest paid	206	211	209	212	214

Filings

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