What does automobiles — 1st year mean?

The cumulative loss development or claims experience for automobile insurance policies during their first year of coverage. This metric helps assess the immediate profitability and loss ratio performance of new business cohorts.

The Hartford Financial Services Group HIG Automobiles — 1st Year

Other product segments

Property Insurance

117.4%-0.2%

Personal automobile physical damage

93.3%+1.5%

Commercial automobile physical damage

80.7%+3.2%

Package Business

35.1%-2.0%

Assumed Reinsurance

23.4%-10.3%

Marine

22.6%-0.9%

Workers' Compensation

14.9%+0.7%

Surety Product Line

10.2%-8.1%

Professional liability

5.3%0.0%

General Liability

2.4%-4.0%

Similar metrics at other companies

UFCSCommercial automobile — Year 1

35.7%-0.3pp

HMNAutomobile Liability — Year One

37.1%-0.1pp

HGTYAuto — Year 1

62%+0.7pp

CNACommercial Auto — Year 1

22.6%-1.1pp

KMPRCommercial Automobile Insurance—Liability — Year 1

19.1%-2.4pp

UFCSCommercial automobile — Year 2

21.3%+0.3pp

Other financials

Income statement

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 automobiles — 1st year?: The Hartford Financial Services Group (HIG) reported automobiles — 1st year of 45.7% in Q4 2025.
How has The Hartford Financial Services Group's automobiles — 1st year changed year-over-year?: The Hartford Financial Services Group's automobiles — 1st year decreased by 2.4% year-over-year, from 46.8% to 45.7%.
What does automobiles — 1st year mean?: The cumulative loss development or claims experience for automobile insurance policies during their first year of coverage. This metric helps assess the immediate profitability and loss ratio performance of new business cohorts.