Skip to content
OpenCapital
Get started

The Hartford Financial Services Group HIG Personal automobile physical damage — 3rd Year

Other product segments

Automobiles
37.2%+2.2%
Professional liability
15.9%-3.6%
Marine
15.8%-6.0%
Assumed Reinsurance
14.7%+3.5%
Workers' Compensation
12.2%+0.8%
General Liability
12%+1.7%
Surety Product Line
11.8%+7.3%
Package Business
9.8%+2.1%
Property Insurance
9.4%-1.1%
Commercial automobile physical damage
0.4%+300%

Similar metrics at other companies

Kemper logo
KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 3
100%0.0pp
Horace Mann Educators logo
HMNAuto physical damage — Year Three
-0.3%-0.1pp
Kemper logo
KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 3
100%0.0pp
Kemper logo
KMPRCommercial Automobile Insurance—Physical Damage — Year 3
100%0.0pp
Kemper logo
KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 2
100%0.0pp
Kemper logo
KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 4
100%0.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

Ask your AI about The Hartford Financial Services Group's personal automobile physical damage — 3rd year.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is The Hartford Financial Services Group's personal automobile physical damage — 3rd year?
The Hartford Financial Services Group (HIG) reported personal automobile physical damage — 3rd year of -0.2% in Q4 2025.
How has The Hartford Financial Services Group's personal automobile physical damage — 3rd year changed year-over-year?
The Hartford Financial Services Group's personal automobile physical damage — 3rd year increased by 50.0% year-over-year, from -0.4% to -0.2%.
What does personal automobile physical damage — 3rd year mean?
This metric measures the loss experience for personal automobile physical damage coverage in the third year after policy inception, reflecting the final stages of claims settlement and reserve closure. It is a key indicator of the ultimate loss ratio for a specific underwriting year and the long-term sustainability of the product line. Investors use this to gauge the company's historical accuracy in estimating long-tail liabilities within the personal lines segment.