What does surety product line — amount of discount mean?

This represents the reduction in the present value of loss reserves due to the time value of money, applied when claims are expected to be paid over a long duration. It reflects the interest-adjusted liability for future claim payments.

The Hartford Financial Services Group HIG Surety Product Line — Amount of discount

Similar metrics at other companies

AIGNet loss reserve discount

$1.27B+9.8%

TRVGeneral Liability — Discount (Net of Reinsurance)

$121M-2.4%

RGALife Insurance Product Line — Liability for Future Policy Benefit, Expected Future Policy Benefit, Undiscounted, before Reinsurance

$415B+9.0%

RGALife Insurance Product Line — Liability For Future Policy Benefit Expected Future Policy Benefit Discounted Before Reinsurance

$163.68B+5.5%

WRBOther — Short-Duration Insurance Contract, Discounted Liability, Discount

0%—

RGALife Insurance Product Line — Liability for Future Policy Benefit, Current Weighted-Average Discount Rate

21.9%+1.1pp

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

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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:ShortdurationInsuranceContractsDiscountedLiabilitiesAggregateDiscount.

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 surety product line — amount of discount?: The Hartford Financial Services Group (HIG) reported surety product line — amount of discount of $0 in Q4 2025.
What does surety product line — amount of discount mean?: This represents the reduction in the present value of loss reserves due to the time value of money, applied when claims are expected to be paid over a long duration. It reflects the interest-adjusted liability for future claim payments.