How has The Hartford Financial Services Group's marine — 1st year changed year-over-year?

The Hartford Financial Services Group's marine — 1st year decreased by 0.9% year-over-year, from 22.8% to 22.6%.

What does marine — 1st year mean?

Represents the loss development or claims experience for policies originating in the first year of the current underwriting cycle for the Marine segment. It tracks how initial loss estimates evolve as more data becomes available.

The Hartford Financial Services Group HIG Marine — 1st Year

Other product segments

Property Insurance

117.4%-0.2%

Personal automobile physical damage

93.3%+1.5%

Commercial automobile physical damage

80.7%+3.2%

Automobiles

45.7%-2.4%

Package Business

35.1%-2.0%

Assumed Reinsurance

23.4%-10.3%

Workers' Compensation

14.9%+0.7%

Surety Product Line

10.2%-8.1%

Professional liability

5.3%0.0%

General Liability

2.4%-4.0%

Similar metrics at other companies

ACGLMarine and aviation — Year One

1.8%+0.4pp

ACGLMarine and aviation — Year Two

24.3%-4.6pp

ACGLMarine and aviation — Year Three

19.8%-0.5pp

AXSInsurance — Year 1

29.5%—

ACGLMarine and aviation — Year Six

6.4%+1.5pp

ACGLMarine and aviation — Year Four

15%+1.2pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 marine — 1st year?: The Hartford Financial Services Group (HIG) reported marine — 1st year of 22.6% in Q4 2025.
How has The Hartford Financial Services Group's marine — 1st year changed year-over-year?: The Hartford Financial Services Group's marine — 1st year decreased by 0.9% year-over-year, from 22.8% to 22.6%.
What does marine — 1st year mean?: Represents the loss development or claims experience for policies originating in the first year of the current underwriting cycle for the Marine segment. It tracks how initial loss estimates evolve as more data becomes available.