How has The Hartford Financial Services Group's marine — 4th year changed year-over-year?

The Hartford Financial Services Group's marine — 4th year increased by 5.3% year-over-year, from 7.5% to 7.9%.

What does marine — 4th year mean?

Represents the cumulative loss development or claims experience for policies originating in the fourth year of the underwriting cycle for the Marine segment. This metric is used to evaluate the long-tail nature of marine insurance liabilities.

The Hartford Financial Services Group HIG Marine — 4th Year

Other product segments

Automobiles

25.3%+1.2%

General Liability

16.7%+0.6%

Professional liability

11.9%+0.8%

Package Business

9.3%0.0%

Workers' Compensation

8.3%+2.5%

Assumed Reinsurance

7.3%+7.4%

Surety Product Line

6.7%-22.1%

Property Insurance

5%+28.2%

Similar metrics at other companies

ACGLMarine and aviation — Year Four

15%+1.2pp

ACGLMarine and aviation — Year Three

19.8%-0.5pp

ACGLMarine and aviation — Year Two

24.3%-4.6pp

ACGLMarine and aviation — Year Eight

1.1%-0.3pp

ACGLMarine and aviation — Year Six

6.4%+1.5pp

ACGLMarine and aviation — Year One

1.8%+0.4pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — 4th year?: The Hartford Financial Services Group (HIG) reported marine — 4th year of 7.9% in Q4 2025.
How has The Hartford Financial Services Group's marine — 4th year changed year-over-year?: The Hartford Financial Services Group's marine — 4th year increased by 5.3% year-over-year, from 7.5% to 7.9%.
What does marine — 4th year mean?: Represents the cumulative loss development or claims experience for policies originating in the fourth year of the underwriting cycle for the Marine segment. This metric is used to evaluate the long-tail nature of marine insurance liabilities.