Hartford Financial Services : First Quarter 2025 1Q25 Financial Results Presentation Slides

Published: 2025-04-24 16:42:38 ET HIG

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Business Insurance

$471

$546

(14)%

Personal Insurance

6

33

(82)%

P&C Other Operations

13

7

86%

Property & Casualty Total

490

586

(16)%

Employee Benefits

136

107

27%

Hartford Funds

44

41

7%

Sub-total

670

734

(9)%

Corporate

(31)

(25)

(24)%

Core earnings

639

709

(10)%

Net realized gains (losses), before tax

(47)

30

NM

Restructuring and other costs, before tax

-

(1)

100%

Integration and other non-recurring M&A costs, before tax

(2)

(2)

-%

Change in deferred gain on retroactive reinsurance, before tax

32

24

33%

Income tax benefit (expense)

3

(12)

125%

Net income available to common stockholders

625

748

(16)%

Add back: Preferred stock dividends

5

5

-%

Net Income

$630

$753

(16)%

Core earnings per diluted share

$2.20

$2.34

(6)%

Net income available to common stockholders per diluted share

$2.15

$2.47

(13)%

Wtd. avg. diluted shares outstanding

290.8

302.6

(4)%

Common shares outstanding and dilutive potential common shares

289.3

301.3

(4)%

Book value per diluted share

$57.07

$50.23

14%

Book value per diluted share (excluding AOCI)1

$65.99

$60.18

10%

Net income ROE, last 12 months

18.8%

18.5%

0.3 pts

Core earnings ROE, last 12 months

16.2%

16.6%

(0.4) pts

Written premiums

Combined ratio (%)

Underlying combined ratio1 (%)

$4.6B

9%

96.9

4.1 pts

88.8

1.3 pts

Business Insurance

$3.7B

10%

94.4

4.3 pts.

88.4

0.0 pts.

Small Business

$1.6B

9%

93.3

4.3 pts.

89.4

0.2 pts.

Middle & Large Business

$1.1B

9%

99.8

5.8 pts.

90.6

1.4 pts.

Global Specialty

$1.0B

11%

89.3

1.5 pts.

84.0

1.3 pts.

Personal Insurance

$913M

8%

106.1

4.5 pts.

89.7

6.4 pts.

Automobile

$627M

5%

93.5

10.4 pts.

96.1

8.3 pts.

Homeowners

$286M

17%

133.2

37.0 pts.

75.1

1.9 pts

Fully Insured Ongoing Premiums

Core earnings margin

Life loss ratio (%)

Disability loss ratio (%)

$1.6B

2%

7.6%

1.5 pts.

79.9%

2.7 pts.

69.0%

1.1 pts.

•

Disclaimer

The Hartford Insurance Group Inc. published this content on April 24, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 24, 2025 at 20:39 UTC.