EarningsQ2 2026 Earnings Report
MX:HIG Q2 2026 EPS Results
Actual EPS$61.83
Consensus EPS$57.08
Beat/MissBeat by +$4.76
One Year Ago EPS$61.65
MX:HIG Q2 2026 Revenue Results
Actual Revenue$131.31B
Expected Revenue$129.61B
Beat/MissBeat by +$1.71B
YoY Revenue Growth+3.95%
Earnings Announcement Details
QuarterQ2 2026
Date07/23/2026
TimeAfter Close
Conference CallThursday, July 23, 2026
MX:HIG Upcoming Earnings
Hartford Insurance's next earnings date is estimated for October 22, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
MX:HIG Q2 2026 Earnings Call
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Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a majority of positive operational and financial outcomes: strong core earnings ($945M), an attractive trailing ROE (18.7%), meaningful book value expansion, robust investment income growth (+22% YoY), a sizable $4.2B buyback authorization and clear execution in small commercial and employee benefits. Offsetting these positives were pockets of reserve adverse development (general liability and commercial auto), a notable decline in personal insurance written premiums (auto -10%), elevated disability loss ratios, and signs of increased competitive pressure in middle & large commercial lines that are tempering growth expectations. Management emphasized disciplined underwriting, targeted pricing, continued investments in AI and technology, and confidence in capital returns, while acknowledging near-term volatility in loss experience and expense pressure from tech investments.Company Guidance
Strong Core Earnings and ROE
Core earnings of $945 million ($3.42 per diluted share) for the quarter with a trailing 12-month core earnings ROE of 18.7%, reflecting strong profitability and earnings power.
Book Value Growth
Book value per share excluding AOCI of $78.91, up 7% from year-end and up 15% year-over-year, demonstrating balance sheet appreciation.
Business Insurance Growth and Profitability
Business insurance wrote premiums up 5% with an underlying combined ratio of 89.3. Small business growth was 7% with an underlying combined ratio of 86.5 (improved 2.5 points YoY). Middle & large growth 4%.
Net Investment Income and Alternative Returns
Net investment income of $800 million, up $142 million or 22% YoY. Excluding limited partnerships, annualized portfolio yield was 4.7% (up 20 bps QoQ). Annualized limited partnership returns were 7.6% (up from 5.1% in Q1).
Capital Return and Balance Sheet Actions
Board approved a new $4.2 billion share repurchase authorization (a $900 million / 27% increase vs prior authorization). Repurchased 3.4 million shares for $450 million in the quarter and expect $475 million quarterly repurchases through the remainder of 2026.
Employee Benefits Momentum
Employee benefits core earnings of $139 million with a core earnings margin of 7.4%, sustained fully-insured premium growth, persistency in the low-90s, and an improved employee benefits expense ratio of 25.2 (improved 0.5 points YoY).
Product & Technology Rollouts
Contemporary agency product is now available in 23 states (on track for ~30 by early 2027); continued investments in AI-enabled underwriting and automation to improve speed, productivity, and claims/risk mitigation capabilities.
Global Specialty Performance
Global specialty written premium growth of 4% with an underlying combined ratio of ~85.8 (mid-80s), demonstrating disciplined underwriting and active portfolio management despite higher expense from technology investments.
MX:HIG Earnings History
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