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The Hartford Financial Services Group HIG Personal automobile physical damage — 2nd Year

Other product segments

Property Insurance
58.1%0.0%
Automobiles
54.1%+0.6%
Assumed Reinsurance
32.4%-1.8%
Marine
31.5%-1.6%
Surety Product Line
27.7%+4.9%
Package Business
22.2%-0.9%
Workers' Compensation
18.6%+1.1%
Professional liability
16.7%+3.7%
Commercial automobile physical damage
14.7%-15.0%
General Liability
8.3%+6.4%

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KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 2
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HMNAuto physical damage — Year Two
5.3%—
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KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 2
100%0.0pp
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KMPRCommercial Automobile Insurance—Physical Damage — Year 2
100%0.0pp
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KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 1
97.3%-0.1pp
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KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 3
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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 — 2nd year?
The Hartford Financial Services Group (HIG) reported personal automobile physical damage — 2nd year of 4.4% in Q4 2025.
How has The Hartford Financial Services Group's personal automobile physical damage — 2nd year changed year-over-year?
The Hartford Financial Services Group's personal automobile physical damage — 2nd year decreased by 30.2% year-over-year, from 6.3% to 4.4%.
What does personal automobile physical damage — 2nd year mean?
This metric tracks the cumulative loss development and claims experience for personal automobile physical damage coverage in the second year following policy inception. It provides insight into the maturation of claims and the accuracy of initial loss reserves established in the prior year. This is essential for evaluating the long-term profitability and reserve adequacy of the personal lines portfolio.