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The Hartford Financial Services Group HIG Commercial automobile physical damage — 3rd Year

Other product segments

Automobiles
37.2%+2.2%
Professional liability
15.9%-3.6%
Marine
15.8%-6.0%
Assumed Reinsurance
14.7%+3.5%
Workers' Compensation
12.2%+0.8%
General Liability
12%+1.7%
Surety Product Line
11.8%+7.3%
Package Business
9.8%+2.1%
Property Insurance
9.4%-1.1%
Personal automobile physical damage
-0.2%+50.0%

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KMPRCommercial Automobile Insurance—Physical Damage — Year 3
100%0.0pp
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UFCSCommercial automobile — Year 3
17.3%+0.4pp
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CNACommercial Auto — Year 3
19.1%+0.7pp
Horace Mann Educators logo
HMNAuto physical damage — Year Three
-0.3%-0.1pp
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KMPRCommercial Automobile Insurance—Physical Damage — Year 2
100%0.0pp
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KMPRCommercial Automobile Insurance—Liability — Year 3
65.6%-3.5pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 — 3rd year?
The Hartford Financial Services Group (HIG) reported commercial automobile physical damage — 3rd year of 0.4% in Q4 2025.
How has The Hartford Financial Services Group's commercial automobile physical damage — 3rd year changed year-over-year?
The Hartford Financial Services Group's commercial automobile physical damage — 3rd year increased by 300.0% year-over-year, from -0.2% to 0.4%.
What does commercial automobile physical damage — 3rd year mean?
This metric measures the total claims development for commercial automobile physical damage coverage at the three-year maturity mark. It is a vital indicator of the ultimate loss experience and the stability of long-term reserve estimates for the commercial auto portfolio. Investors use this to gauge the company's historical underwriting discipline and the reliability of its actuarial reserving processes.