The earnings call reflects a strong performance with record core earnings and strategic achievements across several segments, including Business Insurance and Employee Benefits. However, challenges in specific areas like Global Specialty wholesale and competitive pressures in Personal Insurance and Middle & Large business were noted.
Company Guidance
During The Hartford Insurance Group's third quarter 2025 earnings call, management provided robust guidance, highlighting record core earnings of $1.1 billion, or $3.78 per diluted share, reflecting a strong franchise and strategic execution. The company reported a trailing 12-month core earnings return on equity (ROE) of 18.4%. Business Insurance saw a 9% written premium growth with an underlying combined ratio of 89.4%, and Personal Insurance improved with a 3.7-point increase in the underlying combined ratio to 90%. Employee Benefits maintained an 8.3% core earnings margin. Notable growth areas included a 47% increase in E&S binding premiums and a 10% growth in Middle & Large business premiums. The company also announced a 15% increase in the quarterly dividend, supported by strong capital generation. Looking forward, written premium is expected to surpass $6 billion in 2025, indicating a 10% growth over the previous year.
Record Core Earnings
The Hartford delivered record third quarter core earnings of $1.1 billion or $3.78 per diluted share, reflecting the company's strong franchise and strategic execution.
Business Insurance Growth
Business Insurance experienced written premium growth of 9% with an underlying combined ratio of 89.4%. Small Business Insurance recorded an 11% growth in written premium.
Employee Benefits Margin Improvement
Employee Benefits achieved a core earnings margin of 8.3%, with strong life and disability performance.
Dividend Increase
The company announced a 15% increase in the common quarterly dividend, supported by strong earnings power and capital generation.
Investment Income Surge
Net investment income increased by $100 million from the third quarter of 2024 due to higher income from limited partnerships and reinvesting at higher interest rates.
Hartford Financial (GB:0J3H) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
GB:0J3H Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 27, 2025
$124.61
$122.70
-1.53%
Jul 28, 2025
$121.53
$124.03
+2.06%
Apr 24, 2025
$118.42
$116.92
-1.26%
Jan 30, 2025
$112.63
$109.55
-2.74%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Hartford Financial Services Group (GB:0J3H) report earnings?
Hartford Financial Services Group (GB:0J3H) is schdueled to report earning on Jan 29, 2026, After Close (Confirmed).
What is Hartford Financial Services Group (GB:0J3H) earnings time?
Hartford Financial Services Group (GB:0J3H) earnings time is at Jan 29, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.