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The Hartford Financial Services Group HIG Commercial automobile physical damage — 2nd Year

Other product segments

Property Insurance
58.1%0.0%
Automobiles
54.1%+0.6%
Assumed Reinsurance
32.4%-1.8%
Marine
31.5%-1.6%
Surety Product Line
27.7%+4.9%
Package Business
22.2%-0.9%
Workers' Compensation
18.6%+1.1%
Professional liability
16.7%+3.7%
General Liability
8.3%+6.4%
Personal automobile physical damage
4.4%-30.2%

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KMPRCommercial Automobile Insurance—Physical Damage — Year 2
100%0.0pp
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UFCSCommercial automobile — Year 2
21.3%+0.3pp
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KMPRCommercial Automobile Insurance—Physical Damage — Year 1
87.2%+1.8pp
CNA Financial logo
CNACommercial Auto — Year 2
22.5%+0.2pp
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HMNAuto physical damage — Year Two
5.3%—
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KMPRCommercial Automobile Insurance—Physical Damage — Year 3
100%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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 — 2nd year?
The Hartford Financial Services Group (HIG) reported commercial automobile physical damage — 2nd year of 14.7% in Q4 2025.
How has The Hartford Financial Services Group's commercial automobile physical damage — 2nd year changed year-over-year?
The Hartford Financial Services Group's commercial automobile physical damage — 2nd year decreased by 15.0% year-over-year, from 17.3% to 14.7%.
What does commercial automobile physical damage — 2nd year mean?
This metric tracks the cumulative claims development for commercial automobile physical damage coverage as it matures into the second year following the policy inception. It provides insight into the accuracy of initial loss reserves and the emergence of late-reported claims or changes in severity estimates. This is critical for evaluating the long-term underwriting profitability of the commercial auto business line.