What does automobiles — amount of discount mean?

This metric reflects the present value adjustment applied to certain long-term insurance liabilities to account for the time value of money. It represents the difference between the undiscounted nominal value of claims and the discounted amount recorded on the balance sheet.

The Hartford Financial Services Group HIG Automobiles — Amount of discount

Similar metrics at other companies

TRVAutomobile — Discount (Net of Reinsurance)

$0—

WRBAuto — Short-Duration Insurance Contract, Discounted Liability, Discount

0%—

TRVAutomobile — Short-Duration Insurance Contracts, Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net

2,529,000,000,000%+1,960,700,000,000pp

TRVAccident And Health Insurance Excluding Workers Compensation — Discount (Net of Reinsurance)

$0—

AIGNet loss reserve discount

$1.27B+9.8%

TRVAutomobile — Net Undiscounted Claims and Claim Adjustment Expense Reserves

973,200,000,000%+63,900,000,000pp

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

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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:ShortdurationInsuranceContractsDiscountedLiabilitiesAggregateDiscount.

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 — amount of discount?: The Hartford Financial Services Group (HIG) reported automobiles — amount of discount of 0% in Q4 2025.
What does automobiles — amount of discount mean?: This metric reflects the present value adjustment applied to certain long-term insurance liabilities to account for the time value of money. It represents the difference between the undiscounted nominal value of claims and the discounted amount recorded on the balance sheet.