NYSE$HIG

The Hartford Financial Services Group Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

The Hartford reported Q3 2025 total revenues of $7.23B with net income of $1.08B and diluted EPS of $3.77.

Third-quarter total revenues were $7.23 billion with net income of $1.08 billion and diluted EPS of $3.77 (+47% YoY). Earned premiums and fee income grew while catastrophe losses were manageable relative to a year ago.

  • Q3 total revenues $7.23B; net income $1.08B.
  • Diluted EPS $3.77; earned premiums $6.09B.
  • Commercial lines and Group Benefits support underwriting income.
  • CAT losses and reserve development remain key swing factors.

Headline financials

Total Revenue

$7.23B

Previous: $6.75B+7.1%
EPS (adj)

$3.77

Previous: $2.56+47.3%
Net Investment Income

$759M

Previous: $659M+15.2%
Book Value Per Share

$63.86

Previous: $56.39+13.2%
Group Benefits Loss Ratio

70.1%

Previous: 70.2%-0.1%
Group Benefits Expense Ratio

26.7%

Previous: 25.3%+5.5%
Capital Expenditures

-$123M

Previous: -$171M+28.1%
Free Cash Flow

$957M

Previous: $596M+60.6%
Net Income

$1.08B

Previous: $767M+40.8%
Operating Income

$1.37B

Previous: $1B+36.7%
Gross Profit

$2.8B

Previous: $2.34B+19.5%
Cash & Equivalents

$150M

Previous: $223M-32.7%
Total Assets

$85B

Previous: $81.2B+4.6%

Revenue & EPS history

The Hartford · Revenue · Quarterly

$7.23B

Q3 2025+7.1%vs Q3 2024
Beat estimate in 6 of 15 quarters(40%)
ActualEstimate

Revenue by segment

The Hartford · $248M total across 1 segment · Q3 2023

  • Hartford Funds
    $248M+0.4%

Forward guidance

The release discusses The Hartford's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • The Hartford cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

-0.1%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+2.7%

Avg return

30 days after

44%

32 / 73 earnings

Positive

+7.8%

Q3 2010

Best reaction

-9.0%

Q2 2016

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.2%-2.1%-2.5%
Q4 2025+3.9%+6.4%+6.4%
Q3 2025-1.8%-0.6%+9.9%
Q2 2025+2.8%+1.5%+9.1%
Q1 2025-0.4%+2.9%+8.1%
Q4 2024-2.4%-0.6%+3.5%
Q3 2024-6.3%-6.4%+0.7%
Q2 2024+7.5%+9.7%+10.5%
Q1 2024-4.6%-3.0%+1.4%
Q4 2023+3.9%+3.2%+8.6%
Q3 2023-2.1%+2.2%+8.7%
Q2 2023-4.5%-4.9%-5.1%
Q1 2023+3.7%+3.0%+0.3%
Q4 2022-1.7%+0.3%+1.9%
Q3 2022+4.2%+6.5%+9.7%
Q2 2022+0.2%-2.1%+2.9%
Q1 2022-0.1%+1.0%+3.9%
Q4 2021-3.6%-0.5%-7.7%
Q3 2021+0.2%-0.0%-4.9%
Q2 2021+2.1%+4.1%+10.1%
Q1 2021+1.3%+3.0%-3.0%
Q4 2020+2.0%+1.6%+8.5%
Q3 2020+3.1%+5.8%+22.7%
Q2 2020+2.1%-2.1%+0.2%
Q1 2020-3.4%-10.0%-2.7%
Q4 2019-2.6%+0.9%-9.1%
Q3 2019+5.0%+6.2%+5.7%
Q2 2019-0.3%-0.0%+1.1%
Q1 2019-0.3%+0.5%+0.7%
Q4 2018+2.8%+1.9%+3.1%
Q3 2018+0.5%+0.5%-1.8%
Q2 2018-0.7%+0.6%-4.5%
Q1 2018+5.3%+4.0%+2.1%
Q4 2017-3.4%-3.4%+0.5%
Q3 2017-2.9%-2.3%-1.3%
Q2 2017+3.0%+4.7%+3.4%
Q1 2017+0.5%+1.4%+2.3%
Q4 2016-2.3%-2.3%+1.5%
Q3 2016+1.9%+1.6%+10.2%
Q2 2016-9.0%-8.4%-9.0%
Q1 2016-1.4%
Q4 2015+4.1%
Q3 2015-7.9%
Q2 2015+0.8%
Q1 2015-1.1%
Q4 2014+1.9%
Q3 2014+3.3%
Q2 2014-2.7%
Q1 2014+0.5%
Q4 2013-1.3%
Q3 2013+1.5%
Q2 2013-2.6%
Q1 2013+3.6%
Q4 2012-3.3%
Q3 2012-2.1%
Q2 2012-1.8%
Q1 2012-4.5%
Q4 2011-0.5%
Q3 2011-1.7%
Q2 2011-4.4%
Q1 2011+3.5%
Q4 2009-2.2%
Q4 2010-2.2%
Q4 2008-2.2%
Q4 2007-2.2%
Q3 2010+7.8%
Q2 2010-3.2%
Q1 2009-1.2%
Q1 2010+3.0%
Q3 2009-1.5%
Q3 2008-1.5%
Q2 2008+4.5%
Q2 2009+4.5%

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