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The Hartford Financial Services Group HIG Personal automobile physical damage — IBNR
Reserves

Other product segments

General Liability
$1.63B+19.0%
Workers' Compensation
$1.56B+1.8%
Automobiles
$1.25B+11.0%
Package Business
$867M+15.6%
Professional liability
$366M+8.6%
Assumed Reinsurance
$322M+8.4%
Property Insurance
$271M-15.8%
Marine
$78M-6.0%
Surety Product Line
$70M-10.3%
Commercial automobile physical damage
$7M-12.5%

Similar metrics at other companies

Allstate logo
ALLAuto Insurance Physical Damage Coverage — IBNR reserves plus expected development on reported claims
$576M-19.9%
Lemonade logo
LMNDCar — IBNR
$40.5M+0.7%
The Travelers Companies logo
TRVAutomobile — IBNR Reserves Dec. 31, 2025 (Audited)
322,200,000,000%+16,800,000,000pp
American International Group logo
AIGReserve for Incurred But Not Reported (IBNR) Claims
$334M-15.4%
Hamilton Insurance Group, Ltd. logo
HGInternational - Property — IBNR
$82.47M+6.3%
Selective Insurance Group logo
SIGIPersonal automobile — IBNR
$63.52M+19.9%

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

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:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

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 — ibnr
reserves?
The Hartford Financial Services Group (HIG) reported personal automobile physical damage — ibnr
reserves of $10M in Q4 2025.
How has The Hartford Financial Services Group's personal automobile physical damage — ibnr
reserves changed year-over-year?
The Hartford Financial Services Group's personal automobile physical damage — ibnr
reserves decreased by 64.3% year-over-year, from $28M to $10M.
What does personal automobile physical damage — ibnr
reserves mean?
IBNR (Incurred But Not Reported) reserves represent the estimated liability for claims that have occurred but have not yet been reported to the company. These reserves are based on actuarial projections of historical claim patterns and are essential for maintaining accurate financial statements. This metric is a critical buffer against the uncertainty inherent in the insurance business.