Skip to content
OpenCapital
Get started

The Hartford Financial Services Group HIG Commercial automobile physical damage — IBNR
Reserves

Other product segments

General Liability
$1.63B+19.0%
Workers' Compensation
$1.56B+1.8%
Automobiles
$1.25B+11.0%
Package Business
$867M+15.6%
Professional liability
$366M+8.6%
Assumed Reinsurance
$322M+8.4%
Property Insurance
$271M-15.8%
Marine
$78M-6.0%
Surety Product Line
$70M-10.3%
Personal automobile physical damage
$10M-64.3%

Similar metrics at other companies

Selective Insurance Group logo
SIGICommercial automobile — IBNR
$435.03M+19.4%
CNA Financial logo
CNACommercial Auto — IBNR
108,500,000,000%+26,500,000,000pp
Allstate logo
ALLAuto Insurance Physical Damage Coverage — IBNR reserves plus expected development on reported claims
$576M-19.9%
The Travelers Companies logo
TRVAutomobile — IBNR Reserves Dec. 31, 2025 (Audited)
322,200,000,000%+16,800,000,000pp
Lemonade logo
LMNDCar — IBNR
$40.5M+0.7%
Kemper logo
KMPRCommercial Automobile Insurance—Physical Damage — Total of IBNR Liabilities Plus Expected Development on Reported Claims
$7.4M-3.9%

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

See full
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

See full
Operating cash flow$1.0B+6.1%
CapEx$31.0M-18.4%
Free cash flow$1.0B+7.1%

Valuation

See full
Market cap$36.7B+2.1%
Enterprise value$40.91B+1.9%
P/E9×-2.0×
P/S1.3×0.0×

Profitability

See full
Net margin14.1%+3.0pp
FCF margin20.2%-0.8pp

Returns & leverage

See full
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:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

Ask your AI about The Hartford Financial Services Group's commercial automobile physical damage — ibnr
reserves.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is The Hartford Financial Services Group's commercial automobile physical damage — ibnr
reserves?
The Hartford Financial Services Group (HIG) reported commercial automobile physical damage — ibnr
reserves of $7M in Q4 2025.
How has The Hartford Financial Services Group's commercial automobile physical damage — ibnr
reserves changed year-over-year?
The Hartford Financial Services Group's commercial automobile physical damage — ibnr
reserves decreased by 12.5% year-over-year, from $8M to $7M.
What does commercial automobile physical damage — ibnr
reserves mean?
IBNR (Incurred But Not Reported) reserves represent the estimated liability for claims that have occurred but have not yet been formally reported to the insurer. These reserves are actuarially determined based on historical patterns and are critical for ensuring financial solvency. They represent the 'hidden' portion of the total claims liability.