What does workers' compensation — amount of discount mean?

This metric represents the reduction in the nominal value of loss reserves to account for the time value of money. Because workers' compensation claims are paid over many years, the company discounts these future obligations to their present value. This reflects the expected investment income that will be earned on the assets backing these reserves.

The Hartford Financial Services Group HIG Workers' Compensation — Amount of discount

Similar metrics at other companies

WRBExcess workers' compensation — Workers' Compensation Discount, Percent

24.3%0.0pp

CNAWorkers' Compensation — Adjustment for development on a discounted basis

$500K+200%

AIGDiscount on workers' compensation lines — Liability for unpaid losses and loss adjustment expenses, including allowance for credit losses of $14 in 2025 and $14 in 2024

-$2.06B+2.3%

AIGU.S. workers' compensation

$2.11B+0.8%

AMRWorkers' Compensation Insurance — Short-duration contracts, discounted liabilities, amount

$20.97M-2.9%

AIGWorkers compensation non tabular discount amount

$1.1B+10.0%

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

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: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 workers' compensation — amount of discount?: The Hartford Financial Services Group (HIG) reported workers' compensation — amount of discount of $307M in Q4 2025.
What does workers' compensation — amount of discount mean?: This metric represents the reduction in the nominal value of loss reserves to account for the time value of money. Because workers' compensation claims are paid over many years, the company discounts these future obligations to their present value. This reflects the expected investment income that will be earned on the assets backing these reserves.