What does automobiles — 7th year mean?

The cumulative loss development or claims experience for automobile insurance policies in their seventh year of coverage. This metric tracks the final settlement of long-tail claims within the automobile segment.

The Hartford Financial Services Group HIG Automobiles — 7th Year

Other product segments

General Liability

9.6%+5.5%

Professional liability

8.1%-9.0%

Package Business

3.8%+15.2%

Workers' Compensation

2.8%-3.4%

Marine

0.8%0.0%

Assumed Reinsurance

-0.5%+50.0%

Property Insurance

0.4%+300%

Surety Product Line

-0.3%+81.3%

Similar metrics at other companies

HMNAutomobile Liability — Year Seven

0.5%0.0pp

UFCSCommercial automobile — Year 7

1.6%-0.1pp

CNACommercial Auto — Year 7

2.6%+0.2pp

HMNAutomobile Liability — Year Eight

0.1%-0.1pp

SIGICommercial automobile — Short-duration insurance contracts, historical claims duration, year seven

2.4%+0.3pp

SIGIPersonal automobile — Short-duration insurance contracts, historical claims duration, year seven

0.4%0.0pp

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

See full

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

See full

Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

See full

Market cap$36.7B+2.1%

Enterprise value$40.91B+1.9%

P/E9×-2.0×

P/S1.3×0.0×

Profitability

See full

Net margin14.1%+3.0pp

FCF margin20.2%-0.8pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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

Ask your AI about The Hartford Financial Services Group's automobiles — 7th year.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is The Hartford Financial Services Group's automobiles — 7th year?: The Hartford Financial Services Group (HIG) reported automobiles — 7th year of 5.9% in Q4 2025.
How has The Hartford Financial Services Group's automobiles — 7th year changed year-over-year?: The Hartford Financial Services Group's automobiles — 7th year increased by 22.9% year-over-year, from 4.8% to 5.9%.
What does automobiles — 7th year mean?: The cumulative loss development or claims experience for automobile insurance policies in their seventh year of coverage. This metric tracks the final settlement of long-tail claims within the automobile segment.