The Hartford Financial Services Group HIG Commercial automobile physical damage — Amount of discount

Similar metrics at other companies

TRVAutomobile — Discount (Net of Reinsurance)

$0—

TRVProperty Liability And Casualty Insurance — Discount included in reserves for long-term disability and annuity claim payments primarily arising from workers' compensation insurance and workers' compensation excess insurance policies

$1.03B-3.7%

AIGNet loss reserve discount

$1.27B+9.8%

TRVAccident And Health Insurance Excluding Workers Compensation — Discount (Net of Reinsurance)

$0—

TRVProperty Liability And Casualty Insurance — Discount (Net of Reinsurance)

$996M-3.1%

TRVDiscount (Net of Reinsurance)

$996M-3.1%

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:ShortdurationInsuranceContractsDiscountedLiabilitiesAggregateDiscount.

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 — amount of discount?: The Hartford Financial Services Group (HIG) reported commercial automobile physical damage — amount of discount of $0 in Q4 2025.
What does commercial automobile physical damage — amount of discount mean?: This represents the financial discount applied to the undiscounted loss reserves to reflect the time value of money, typically used for long-term liabilities. By discounting, the company recognizes that future claim payments have a lower present value. This metric is used to reconcile statutory or GAAP reserve reporting with economic reality.