How has The Hartford Financial Services Group's marine — 8th year changed year-over-year?

The Hartford Financial Services Group's marine — 8th year decreased by 100.0% year-over-year, from 0.4% to 0%.

What does marine — 8th year mean?

Represents the cumulative loss development or claims experience for policies originating in the eighth year of the underwriting cycle for the Marine segment. This metric captures the final maturity phase of marine insurance underwriting cohorts.

The Hartford Financial Services Group HIG Marine — 8th Year

Other product segments

General Liability

7.8%+32.2%

Surety Product Line

-2.8%+64.1%

Professional liability

2.5%-26.5%

Workers' Compensation

2.1%0.0%

Automobiles

1.7%+21.4%

Package Business

1.7%-19.0%

Property Insurance

0.3%0.0%

Assumed Reinsurance

-0.2%-125%

Similar metrics at other companies

ACGLMarine and aviation — Year Eight

1.1%-0.3pp

ACGLMarine and aviation — Year Seven

2%-0.3pp

ACGLMarine and aviation — Year Nine

1.1%+0.5pp

ACGLMarine and aviation — Year Six

6.4%+1.5pp

ACGLMarine and aviation — Year Two

24.3%-4.6pp

ACGLMarine and aviation — Year Ten

6.2%+5.8pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 — 8th year?: The Hartford Financial Services Group (HIG) reported marine — 8th year of 0% in Q4 2025.
How has The Hartford Financial Services Group's marine — 8th year changed year-over-year?: The Hartford Financial Services Group's marine — 8th year decreased by 100.0% year-over-year, from 0.4% to 0%.
What does marine — 8th year mean?: Represents the cumulative loss development or claims experience for policies originating in the eighth year of the underwriting cycle for the Marine segment. This metric captures the final maturity phase of marine insurance underwriting cohorts.