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The Hartford Financial Services Group HIG Commercial automobile physical damage — 1st Year

Other product segments

Property Insurance
117.4%-0.2%
Personal automobile physical damage
93.3%+1.5%
Automobiles
45.7%-2.4%
Package Business
35.1%-2.0%
Assumed Reinsurance
23.4%-10.3%
Marine
22.6%-0.9%
Workers' Compensation
14.9%+0.7%
Surety Product Line
10.2%-8.1%
Professional liability
5.3%0.0%
General Liability
2.4%-4.0%

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KMPRCommercial Automobile Insurance—Physical Damage — Year 1
87.2%+1.8pp
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UFCSCommercial automobile — Year 1
35.7%-0.3pp
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HMNAuto physical damage — Year One
95%—
CNA Financial logo
CNACommercial Auto — Year 1
22.6%-1.1pp
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KMPRCommercial Automobile Insurance—Physical Damage — Year 5
100%0.0pp
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KMPRCommercial Automobile Insurance—Liability — Year 1
19.1%-2.4pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 commercial automobile physical damage — 1st year?
The Hartford Financial Services Group (HIG) reported commercial automobile physical damage — 1st year of 80.7% in Q4 2025.
How has The Hartford Financial Services Group's commercial automobile physical damage — 1st year changed year-over-year?
The Hartford Financial Services Group's commercial automobile physical damage — 1st year increased by 3.2% year-over-year, from 78.2% to 80.7%.
What does commercial automobile physical damage — 1st year mean?
This metric represents the incurred losses or claims development specifically for commercial automobile physical damage coverage during the first year of the policy term. It serves as a key indicator of initial underwriting accuracy and the immediate impact of claims frequency and severity on the commercial lines portfolio. Monitoring this data helps management assess the short-term profitability and risk profile of the commercial auto segment.