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The Hartford Financial Services Group HIG Personal automobile physical damage — 1st Year

Other product segments

Property Insurance
117.4%-0.2%
Commercial automobile physical damage
80.7%+3.2%
Automobiles
45.7%-2.4%
Package Business
35.1%-2.0%
Assumed Reinsurance
23.4%-10.3%
Marine
22.6%-0.9%
Workers' Compensation
14.9%+0.7%
Surety Product Line
10.2%-8.1%
Professional liability
5.3%0.0%
General Liability
2.4%-4.0%

Similar metrics at other companies

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KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 1
97.3%-0.1pp
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HMNAuto physical damage — Year One
95%—
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KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 1
94.7%+1.7pp
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KMPRCommercial Automobile Insurance—Physical Damage — Year 1
87.2%+1.8pp
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KMPRPreferred Personal Automobile Insurance—Liability — Year 1
30.8%+0.3pp
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KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 2
100%0.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 personal automobile physical damage — 1st year?
The Hartford Financial Services Group (HIG) reported personal automobile physical damage — 1st year of 93.3% in Q4 2025.
How has The Hartford Financial Services Group's personal automobile physical damage — 1st year changed year-over-year?
The Hartford Financial Services Group's personal automobile physical damage — 1st year increased by 1.5% year-over-year, from 91.9% to 93.3%.
What does personal automobile physical damage — 1st year mean?
This metric represents the incurred losses and allocated loss adjustment expenses for personal automobile physical damage coverage during the first year of policy inception. It serves as a critical indicator of initial underwriting accuracy and the immediate claims frequency associated with new policyholders. Monitoring this helps assess the effectiveness of initial risk selection and pricing strategies for the personal lines segment.