How has The Hartford Financial Services Group's marine — 6th year changed year-over-year?

The Hartford Financial Services Group's marine — 6th year decreased by 9.7% year-over-year, from 6.2% to 5.6%.

What does marine — 6th year mean?

Represents the cumulative loss development or claims experience for policies originating in the sixth year of the underwriting cycle for the Marine segment. This metric tracks the tail-end risk of marine insurance policies.

The Hartford Financial Services Group HIG Marine — 6th Year

Other product segments

General Liability

12.8%+4.1%

Professional liability

10%-2.9%

Automobiles

8.1%-1.2%

Package Business

4.4%+2.3%

Workers' Compensation

4%0.0%

Assumed Reinsurance

3.2%+33.3%

Property Insurance

1.9%+90.0%

Surety Product Line

-0.7%+36.4%

Similar metrics at other companies

ACGLMarine and aviation — Year Six

6.4%+1.5pp

ACGLMarine and aviation — Year Seven

2%-0.3pp

ACGLMarine and aviation — Year Two

24.3%-4.6pp

ACGLMarine and aviation — Year Eight

1.1%-0.3pp

ACGLMarine and aviation — Year Three

19.8%-0.5pp

ACGLMarine and aviation — Year Nine

1.1%+0.5pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSix.

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 — 6th year?: The Hartford Financial Services Group (HIG) reported marine — 6th year of 5.6% in Q4 2025.
How has The Hartford Financial Services Group's marine — 6th year changed year-over-year?: The Hartford Financial Services Group's marine — 6th year decreased by 9.7% year-over-year, from 6.2% to 5.6%.
What does marine — 6th year mean?: Represents the cumulative loss development or claims experience for policies originating in the sixth year of the underwriting cycle for the Marine segment. This metric tracks the tail-end risk of marine insurance policies.