The Hartford Insurance Group, Inc. (HIG) Earnings Call Transcripts

The Hartford Insurance Group, Inc.'s Latest Earnings Call - Q2 FY2026

In the second quarter of 2026, The Hartford Insurance Group (HIG:US) reported core earnings of $945 million, or $3.42 per diluted share, reflecting a strong return on equity of 18.7%. Revenue growth was driven by a 5% increase in written premiums across Business Insurance and a solid performance in Employee Benefits, though Personal Insurance faced competitive pressures leading to a 7% decline in written premiums. Management announced a new share repurchase authorization of $4.2 billion, indicating strong capital generation and a commitment to returning capital to shareholders, which could positively impact stock performance moving forward.

Reported metrics

Guidance from management

Management maintained guidance for net investment income to increase in the second half of 2026, supported by growth in invested assets. They expect overall portfolio yields to remain broadly in line with 2025.

What management said

Andrew, it's Chris. Thanks for your question, and I appreciate your commentary on transparency and granularity. I think as you know, loss reserving as both science and art. And I think we've combined them pretty well over a long-term period and have had great stability. But this quarter required some changes, and I'll let Beth just give a little bit more color on what drove some of those changes.

Yes. I'm not going to go into all the puts and takes that are within that line. As we said, non-CAT property was a significant contributor to the performance kind of year-to-year. But maybe the way to help you frame it, Brian, is that if I look at MLC and their year-to-date underlying combined ratio of 93.3. And I think about what we expect for the second half of the year and assuming non-CAT property kind of evens o...

What analysts pressed on

Analysts expressed concerns regarding the adverse reserve developments in general liability and commercial auto, questioning whether these trends could become chronic. There were also inquiries about the competitive pressures impacting Personal Insurance growth and the implications for future margins.

Main topics on the call

• Strong Core Earnings — The Hartford reported core earnings of $945 million, translating to $3.42 per diluted share, with a trailing 12-month core earnings ROE of 18.7%. Management stated, "I am confident in The Hartford's ability to continue d...
• Share Repurchase Authorization — The Board approved a new share repurchase authorization of $4.2 billion, reflecting strong capital generation. This is a 27% increase over the previous authorization, indicating management's commitment to returning exces...
• Business Insurance Growth — Business Insurance achieved a 5% growth in written premiums, with a strong underlying combined ratio of 89.3%. Management noted, "This was evident in our performance during the quarter, as we continue to outpace the mark...
• Challenges in Personal Insurance — Personal Insurance faced a 7% decline in written premiums, attributed to competitive pressures. Management acknowledged, "Competition for new business remained elevated and continued to impact growth."

Read the full The Hartford Insurance Group, Inc. transcript (Q2 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 54 The Hartford Insurance Group, Inc. earnings call transcripts on record, spanning February 4, 2020 to July 24, 2026. Based on this history, The Hartford Insurance Group, Inc. reports quarterly. The most recent call on file is dated July 24, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

HIG

Exchange

NYSE

Country

US

Sector

Financials

Industry

Insurance

Calls on record

54

First call

February 4, 2020

Most recent

July 24, 2026

Reporting cadence

quarterly