What does property insurance — 8th year mean?

This metric tracks the loss development for the eighth year of an underwriting cohort, marking the final phase of the claim settlement process. It provides a definitive view of the historical performance of the underwriting cohort, allowing for long-term benchmarking. This is used to refine future risk pricing and reserve setting strategies.

The Hartford Financial Services Group HIG Property Insurance — 8th Year

Other product segments

General Liability

7.8%+32.2%

Surety Product Line

-2.8%+64.1%

Professional liability

2.5%-26.5%

Workers' Compensation

2.1%0.0%

Automobiles

1.7%+21.4%

Package Business

1.7%-19.0%

Assumed Reinsurance

-0.2%-125%

Marine

0%-100%

Similar metrics at other companies

EGProperty Insurance — Year eight

1.8%-0.2pp

AXSInsurance — Year 8

6.8%—

AFGProperty and casualty insurance — Year 8

3.8%-0.6pp

ESN

ESNTProperty Insurance Product Line — Year 8

0%—

EGProperty Insurance — Year seven

2.9%+0.2pp

MCYProperty insurance product line, commercial property — Short-duration insurance contracts, historical claims duration, year eight

1.3%-0.7pp

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

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 property insurance — 8th year?: The Hartford Financial Services Group (HIG) reported property insurance — 8th year of 0.3% in Q4 2025.
How has The Hartford Financial Services Group's property insurance — 8th year changed year-over-year?: The Hartford Financial Services Group's property insurance — 8th year decreased by 0.0% year-over-year, from 0.3% to 0.3%.
What does property insurance — 8th year mean?: This metric tracks the loss development for the eighth year of an underwriting cohort, marking the final phase of the claim settlement process. It provides a definitive view of the historical performance of the underwriting cohort, allowing for long-term benchmarking. This is used to refine future risk pricing and reserve setting strategies.