What does assumed reinsurance — amount of discount mean?

This metric reflects the reduction in the nominal value of loss reserves to account for the time value of money. It is applied to long-tail liabilities where payments are expected to occur far into the future. This adjustment aligns the balance sheet with the present value of expected future cash outflows.

The Hartford Financial Services Group HIG Assumed Reinsurance — Amount of discount

Similar metrics at other companies

TRVOther Including Impacts Of Retroactive Reinsurance — Discount (Net of Reinsurance)

$0—

BHFAssumed Reinsurance — Future policy benefits

$112M+2.8%

TRVUnallocated Loss Adjustment Expense Reserve — Discount (Net of Reinsurance)

$0—

TRVOther Insurance Contracts — Discount (Net of Reinsurance)

$5M+25.0%

TRVDiscount (Net of Reinsurance)

$996M-3.1%

TRVAccident And Health Insurance Excluding Workers Compensation — Discount (Net of Reinsurance)

$0—

Other financials

Income statement

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Revenue$7.2B+6.1%

Net income$856.0M+35.9%

EPS (diluted)$3.04+41.4%

Balance sheet

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Cash & equivalents$166.0M+20.3%

Total debt$4.4B+0.1%

Total equity$18.9B+12.1%

Total assets$86.3B+4.9%

Cash flow

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Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

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Market cap$36.7B+2.1%

Enterprise value$40.91B+1.9%

P/E9×-2.0×

P/S1.3×0.0×

Profitability

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Net margin14.1%+3.0pp

FCF margin20.2%-0.8pp

Returns & leverage

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Return on equity22.7%+4.2pp

Debt / equity0.2×0.0×

Where this comes from

Reported directly by The Hartford Financial Services Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsDiscountedLiabilitiesAggregateDiscount.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is The Hartford Financial Services Group's assumed reinsurance — amount of discount?: The Hartford Financial Services Group (HIG) reported assumed reinsurance — amount of discount of $0 in Q4 2025.
What does assumed reinsurance — amount of discount mean?: This metric reflects the reduction in the nominal value of loss reserves to account for the time value of money. It is applied to long-tail liabilities where payments are expected to occur far into the future. This adjustment aligns the balance sheet with the present value of expected future cash outflows.