What does automobiles — 5th year mean?

The cumulative loss development or claims experience for automobile insurance policies in their fifth year of coverage. This metric helps quantify the finality of claims and the effectiveness of long-term reserve management.

The Hartford Financial Services Group HIG Automobiles — 5th Year

Other product segments

General Liability

14.9%-3.9%

Professional liability

9.7%+1.0%

Marine

7.2%+7.5%

Package Business

6.6%+3.1%

Workers' Compensation

5.8%+1.8%

Assumed Reinsurance

5.7%-3.4%

Property Insurance

1.9%-17.4%

Surety Product Line

1.3%+8.3%

Similar metrics at other companies

HMNAutomobile Liability — Year Five

3.3%+0.1pp

UFCSCommercial automobile — Year 5

7.8%+0.1pp

TRVAutomobile — Short-duration Insurance Contracts, Historical Claims Duration, Year Five

12.8%+0.4pp

HGTYAuto — Year 5

1.7%-0.1pp

HMNAutomobile Liability — Year Four

6.7%-0.1pp

KMPRCommercial Automobile Insurance—Physical Damage — Year 5

100%0.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 5th year?: The Hartford Financial Services Group (HIG) reported automobiles — 5th year of 15.7% in Q4 2025.
How has The Hartford Financial Services Group's automobiles — 5th year changed year-over-year?: The Hartford Financial Services Group's automobiles — 5th year decreased by 0.6% year-over-year, from 15.8% to 15.7%.
What does automobiles — 5th year mean?: The cumulative loss development or claims experience for automobile insurance policies in their fifth year of coverage. This metric helps quantify the finality of claims and the effectiveness of long-term reserve management.