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The Hartford Financial Services Group HIG Automobiles — IBNR
Reserves

Other product segments

General Liability
162,600,000,000%+19.0%
Workers' Compensation
156,300,000,000%+1.8%
Package Business
86,700,000,000%+15.6%
Professional liability
36,600,000,000%+8.6%
Assumed Reinsurance
32,200,000,000%+8.4%
Property Insurance
27,100,000,000%-15.8%
Marine
7,800,000,000%-6.0%
Surety Product Line
7,000,000,000%-10.3%
Personal automobile physical damage
1,000,000,000%-64.3%
Commercial automobile physical damage
700,000,000%-12.5%

Similar metrics at other companies

The Travelers Companies logo
TRVAutomobile — IBNR Reserves Dec. 31, 2025 (Audited)
322,200,000,000%+16,800,000,000pp
Selective Insurance Group logo
SIGICommercial automobile — IBNR
$435.03M+19.4%
Lemonade logo
LMNDCar — IBNR
$40.5M+0.7%
Corebridge Financial logo
CRBGReserve for Incurred But Not Reported (IBNR) Claims
$2.97B+2.9%
U-Haul Holding logo
UHALReserve for Incurred But Not Reported (IBNR) Claims
$2.9M-61.5%
Selective Insurance Group logo
SIGIPersonal automobile — IBNR
$63.52M+19.9%

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:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

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 — ibnr
reserves?
The Hartford Financial Services Group (HIG) reported automobiles — ibnr
reserves of 124,700,000,000% in Q4 2025.
How has The Hartford Financial Services Group's automobiles — ibnr
reserves changed year-over-year?
The Hartford Financial Services Group's automobiles — ibnr
reserves increased by 11.0% year-over-year, from 112,300,000,000% to 124,700,000,000%.
What does automobiles — ibnr
reserves mean?
The estimated liability for claims that have occurred but have not yet been reported to the insurer by the end of the reporting period. This is a critical actuarial estimate that ensures the company maintains sufficient capital to cover future obligations for the automobile segment.