What does automobiles — 6th year mean?

The cumulative loss development or claims experience for automobile insurance policies in their sixth year of coverage. It is used to monitor the tail risk of older policies that remain open.

The Hartford Financial Services Group HIG Automobiles — 6th Year

Other product segments

General Liability

12.8%+4.1%

Professional liability

10%-2.9%

Marine

5.6%-9.7%

Package Business

4.4%+2.3%

Workers' Compensation

4%0.0%

Assumed Reinsurance

3.2%+33.3%

Property Insurance

1.9%+90.0%

Surety Product Line

-0.7%+36.4%

Similar metrics at other companies

UFCSCommercial automobile — Year 6

3.2%+0.1pp

HMNAutomobile Liability — Year Six

1.6%-0.1pp

CNACommercial Auto — Year 6

5.5%+0.4pp

HMNAuto physical damage — Year Six

0%—

HMNAutomobile Liability — Year Seven

0.5%0.0pp

AXSInsurance — Year 6

10.8%—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSix.

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 — 6th year?: The Hartford Financial Services Group (HIG) reported automobiles — 6th year of 8.1% in Q4 2025.
How has The Hartford Financial Services Group's automobiles — 6th year changed year-over-year?: The Hartford Financial Services Group's automobiles — 6th year decreased by 1.2% year-over-year, from 8.2% to 8.1%.
What does automobiles — 6th year mean?: The cumulative loss development or claims experience for automobile insurance policies in their sixth year of coverage. It is used to monitor the tail risk of older policies that remain open.