What does automobiles — 8th year mean?

The cumulative loss development or claims experience for automobile insurance policies in their eighth year of coverage. It represents the final stage of the loss development cycle for a specific policy cohort.

The Hartford Financial Services Group HIG Automobiles — 8th Year

Other product segments

General Liability

7.8%+32.2%

Surety Product Line

-2.8%+64.1%

Professional liability

2.5%-26.5%

Workers' Compensation

2.1%0.0%

Package Business

1.7%-19.0%

Property Insurance

0.3%0.0%

Assumed Reinsurance

-0.2%-125%

Marine

0%-100%

Similar metrics at other companies

HMNAutomobile Liability — Year Eight

0.1%-0.1pp

UFCSCommercial automobile — Year 8

0.4%-0.2pp

HMNAuto physical damage — Year Eight

0%—

HMNAutomobile Liability — Year Seven

0.5%0.0pp

AXSInsurance — Year 8

6.8%—

CNACommercial Auto — Year 8

0.9%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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 — 8th year?: The Hartford Financial Services Group (HIG) reported automobiles — 8th year of 1.7% in Q4 2025.
How has The Hartford Financial Services Group's automobiles — 8th year changed year-over-year?: The Hartford Financial Services Group's automobiles — 8th year increased by 21.4% year-over-year, from 1.4% to 1.7%.
What does automobiles — 8th year mean?: The cumulative loss development or claims experience for automobile insurance policies in their eighth year of coverage. It represents the final stage of the loss development cycle for a specific policy cohort.