What does package business — amount of discount mean?

The reduction applied to the nominal value of loss reserves to account for the time value of money, typically used for long-tail lines of business. By discounting future expected payments to their present value, the company reflects the interest-earning potential of the assets held to cover those liabilities. This metric highlights the impact of interest rate assumptions on the balance sheet.

The Hartford Financial Services Group HIG Package Business — Amount of discount

Similar metrics at other companies

AIGNet loss reserve discount

$1.27B+9.8%

AIGIncrease (Decrease) In Loss Reserve Discount, Current Year

-$23M0.0%

WAFDLoan purchase discount

$42.27M-12.0%

VOYABusinesses Exited — Expected future benefit payments, Discounted

$6.42B-8.9%

TRVDiscount (Net of Reinsurance)

$996M-3.1%

TRVOther Insurance Contracts — Discount (Net of Reinsurance)

$5M+25.0%

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

See full

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

See full

Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

See full

Market cap$36.7B+2.1%

Enterprise value$40.91B+1.9%

P/E9×-2.0×

P/S1.3×0.0×

Profitability

See full

Net margin14.1%+3.0pp

FCF margin20.2%-0.8pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsDiscountedLiabilitiesAggregateDiscount.

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 package business — amount of discount?: The Hartford Financial Services Group (HIG) reported package business — amount of discount of $0 in Q4 2025.
What does package business — amount of discount mean?: The reduction applied to the nominal value of loss reserves to account for the time value of money, typically used for long-tail lines of business. By discounting future expected payments to their present value, the company reflects the interest-earning potential of the assets held to cover those liabilities. This metric highlights the impact of interest rate assumptions on the balance sheet.