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The Hartford Financial Services Group HIG Automobiles — Unpaid losses and loss adjustment expenses

Other product segments

Workers' Compensation
$14.87B+3.4%
Package Business
$3.01B+15.0%
Professional liability
$2.26B+3.2%
Property Insurance
$1.31B-0.5%
Assumed Reinsurance
$954M+21.1%
Marine
$598M+1.9%
Short-Duration Insurance, Other
$548M+6.0%
Other operations
$459M-9.5%
Surety Product Line
$433M-5.3%
Personal automobile physical damage
$65M-16.7%
Commercial automobile physical damage
$28M-9.7%

Similar metrics at other companies

Lemonade logo
LMNDCar — Unpaid losses and loss adjustment expenses
$92.2M-1.6%
Hagerty logo
HGTYAuto — Reserves for unpaid losses and loss adjustment expenses
$168.52M+0.1%
Lemonade logo
LMNDProperty Insurance — Unpaid losses and loss adjustment expenses
$193.5M+0.2%
The Travelers Companies logo
TRVAutomobile — Liability for Unpaid Claims and Claims Adjustment Expense, Net
$9.73B+7.0%
Employers Holdings logo
EIGInsurance Operations — Unpaid losses and loss adjustment expenses
$1.81B-0.1%
Hagerty logo
HGTYAuto — Incurred losses and loss adjustment expense
-$1.12B-474%

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/E-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:LiabilityForClaimsAndClaimsAdjustmentExpense.

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 — unpaid losses and loss adjustment expenses?
The Hartford Financial Services Group (HIG) reported automobiles — unpaid losses and loss adjustment expenses of $3.67B in Q4 2025.
How has The Hartford Financial Services Group's automobiles — unpaid losses and loss adjustment expenses changed year-over-year?
The Hartford Financial Services Group's automobiles — unpaid losses and loss adjustment expenses increased by 7.5% year-over-year, from $3.41B to $3.67B.
What does automobiles — unpaid losses and loss adjustment expenses mean?
This is the gross estimate of all unpaid losses and the associated costs to adjust those losses, before accounting for any reinsurance recoveries. It serves as the primary measure of the segment's total gross claims exposure.