What does general liability — amount of discount mean?

This represents the reduction in the nominal value of loss reserves to account for the time value of money. It reflects the expected investment income that will be earned on the assets held to pay these future claims.

The Hartford Financial Services Group HIG General Liability — Amount of discount

Similar metrics at other companies

TRVGeneral Liability — Discount (Net of Reinsurance)

$121M-2.4%

AIGNet loss reserve discount

$1.27B+9.8%

WRBOther liability — Short-Duration Insurance Contract, Discounted Liability, Discount

0%—

TRVGeneral Liability — Net Undiscounted Claims and Claim Adjustment Expense Reserves

1,503,000,000,000%+124,900,000,000pp

PFGGroup Life — Short Duration Contracts Discounted Liabilities Amount

7,770,000,000%-620,000,000pp

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%

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

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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 general liability — amount of discount?: The Hartford Financial Services Group (HIG) reported general liability — amount of discount of $0 in Q4 2025.
What does general liability — amount of discount mean?: This represents the reduction in the nominal value of loss reserves to account for the time value of money. It reflects the expected investment income that will be earned on the assets held to pay these future claims.