The Hartford Insurance Group, Inc.

HIGCIK 000087476618 fiscal yearsInsurance lens ↓

RevenueFY2025

$28.37B6.9%

Net incomeFY2025

$3.84B23.3%

Free cash flowFY2025

$5.75B0.2%

Diluted EPSFY2025

$13.3228.7%

Trends

FY2007–FY2025 · hover a year for its filing

Revenue & net incomeRevenueNet income

revenue 1.1× since FY2007 · net margin 11.4% → 13.5%

MarginsNet marginFCF margin

FY2025: net 13.5% · free cash flow 20.3% of revenue

Cash flowOperating cash flowFree cash flow

FY2025: $5.92B operating cash − $169.0M capex = $5.75B free cash flow

Returns on capitalReturn on equityReturn on assets

return on equity -30% (FY2008) → 20% (FY2025) · on assets 4.5%

Balance sheetLiabilitiesEquity

FY2025: $86.00B assets · $67.02B liabilities · $18.98B equity

Financial statements

Annual Quarterly

USD millions, except per-share values; share counts in millions. Hover a value for its XBRL tag and filing accession.

USD millions	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2015	FY2014	FY2013
Revenue	28,368	26,535	24,527	22,362	22,390	20,523	20,740	18,955	17,162	18,377	18,614	20,673
Net income	3,836	3,111	2,504	1,819	2,371	1,737	2,085	1,807	(3,131)	1,682	798	176
Diluted EPS	13.32	10.35	7.97	5.46	6.64	4.76	5.66	4.95	(8.61)	3.96	1.73	0.36
Diluted shares	287	299	312	330	354	361	365	364	364	425	460	491
Operating cash flow	5,922	5,909	4,220	4,008	4,093	3,871	3,489	2,843	2,186	2,756	1,886	1,237
Capital expenditures	169	145	215	175	133	114	105	122	250	307	121	64
Free cash flow	5,753	5,764	4,005	3,833	3,960	3,757	3,384	2,721	1,936	2,449	1,765	1,173
Cash & equivalents	177	234	189	344	337	239	262	121	—	—	—	—
Total assets	85,997	80,917	76,780	73,008	76,578	74,111	70,817	62,307	—	228,348	245,013	277,884
Total liabilities	67,018	64,470	61,453	59,332	58,735	55,555	54,547	49,206	—	210,706	226,293	258,979
Shareholders' equity	18,979	16,447	15,327	13,676	17,843	18,556	16,270	13,101	—	17,642	18,720	18,905

As reported in SEC filings; a missing tag shows “—”, never zero. Free cash flow is operating cash flow − capex. Methodology

Insurance lens

Metrics specific to insurers. Annual figures, in USD millions; ratios in percent.

USD millions	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2015	FY2014	FY2013
Premiums earned	24,030	22,567	21,026	19,390	17,999	17,288	16,923	15,869	14,141	13,577	13,336	13,231
Policyholder benefits & claims	15,238	14,874	14,238	13,138	12,720	11,805	11,472	11,165	10,174	10,775	10,805	11,048
Loss ratio	63.4%	65.9%	67.7%	67.8%	70.7%	68.3%	67.8%	70.4%	71.9%	79.4%	81.0%	83.5%

Premiums earned and policyholder benefits are as reported. Brokers such as Aon and Marsh McLennan earn fees, not premiums, so those rows are blank for them. The loss ratio (benefits ÷ premiums earned) is computed by stonks for full fiscal years only.