How has The Hartford Financial Services Group's marine — 5th year changed year-over-year?

The Hartford Financial Services Group's marine — 5th year increased by 7.5% year-over-year, from 6.7% to 7.2%.

What does marine — 5th year mean?

Represents the cumulative loss development or claims experience for policies originating in the fifth year of the underwriting cycle for the Marine segment. It helps quantify the finality of claims for older marine insurance cohorts.

The Hartford Financial Services Group HIG Marine — 5th Year

Other product segments

Automobiles

15.7%-0.6%

General Liability

14.9%-3.9%

Professional liability

9.7%+1.0%

Package Business

6.6%+3.1%

Workers' Compensation

5.8%+1.8%

Assumed Reinsurance

5.7%-3.4%

Property Insurance

1.9%-17.4%

Surety Product Line

1.3%+8.3%

Similar metrics at other companies

ACGLMarine and aviation — Year Five

12.2%+2.2pp

ACGLMarine and aviation — Year Six

6.4%+1.5pp

ACGLMarine and aviation — Year Four

15%+1.2pp

ACGLMarine and aviation — Year Two

24.3%-4.6pp

ACGLMarine and aviation — Year Three

19.8%-0.5pp

ACGLMarine and aviation — Year Seven

2%-0.3pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 5th year?: The Hartford Financial Services Group (HIG) reported marine — 5th year of 7.2% in Q4 2025.
How has The Hartford Financial Services Group's marine — 5th year changed year-over-year?: The Hartford Financial Services Group's marine — 5th year increased by 7.5% year-over-year, from 6.7% to 7.2%.
What does marine — 5th year mean?: Represents the cumulative loss development or claims experience for policies originating in the fifth year of the underwriting cycle for the Marine segment. It helps quantify the finality of claims for older marine insurance cohorts.