Analyst Consensus ?
ConsensusBuy24 ratings
Bullish1354.2%
Neutral1145.8%
Bearish00.0%
The Hartford Financial Services Group, Inc. · HIG-PG · FY2025 Q4 · Calendar Q1 2026
The Hartford reports strong Q4 results as it expands technology and underwriting initiatives
The supplied analysis points to strong underwriting and earnings performance alongside management's confidence in digital capabilities and technology-led efficiency. Whether these initiatives can sustain profitability depends in part on pricing, retention, catastrophe exposure and disability loss trends.
Reported Session unavailableNYSEFinancial Services
$30.06B market cap
75quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$4.06
Consensus $3.22
EPS surprise
+26.1%
Reported versus consensus
Reported revenue
$7.34B
Consensus $7.29B
Revenue surprise
+0.6%
Reported versus consensus
Market reaction
unavailable
Stock move
—
Event window
SPY move
—
Same window
Abnormal move
—
Stock minus SPY
Volume
—
Versus trailing sessions
Subsequent drift
—
Up to 20 sessions
Price and volume data were unavailable at publication time.
Ask FN2 about HIG-PG FY2025 Q4
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How did the market react to HIG-PG FY2025 Q4 earnings, and why?What changed in HIG-PG's guidance and outlook in FY2025 Q4?Give me the bull and bear case for HIG-PG after FY2025 Q4 earnings.
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Transcript intelligence
What changed
Management's priorities include scaling the Prevail platform, applying AI across operating functions and continuing capital returns. The analysis also notes a new catastrophe bond and expansion of employee-benefit offerings.
Guidance delta
Guidance sentiment is characterized as maintained in the supplied transcript analysis; no quantified guidance change is provided here.
Key takeaways
- The analysis describes strong quarterly and full-year performance, with underwriting margins across lines.
- Management sees technology and AI investments as supporting efficiency and future growth, while execution remains a risk.
- Small-business digital capabilities and employee benefits are identified as growth areas.
- Capital returns and catastrophe-risk capacity were emphasized in the analysis.
Management priorities
- Expand the Prevail platform and apply AI to claims, underwriting and operations.
- Grow small-business digital capabilities and broaden employee-benefit offerings.
- Continue capital returns and manage catastrophe exposure through reinsurance initiatives.
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Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Wells Fargo | Overweight | Overweight | Maintain | Oct 16, 2023 |
| Citigroup | Buy | Buy | Maintain | Aug 8, 2023 |
| RBC Capital | Sector Perform | Sector Perform | Maintain | Jul 30, 2023 |
| Piper Sandler | Overweight | Overweight | Maintain | Jul 30, 2023 |
| Barclays | Overweight | Overweight | Maintain | Jul 30, 2023 |
| Keefe, Bruyette & Woods | Outperform | Outperform | Maintain | May 7, 2023 |
| Credit Suisse | Outperform | Outperform | Maintain | Apr 17, 2023 |
| Evercore ISI Group | In Line | In Line | Maintain | Apr 12, 2023 |
| JP Morgan | Overweight | Overweight | Maintain | Mar 30, 2023 |
| Goldman Sachs | Buy | Neutral | Upgrade | Mar 28, 2023 |
| BMO Capital | Perform | Market Perform | Maintain | Jan 20, 2023 |
| Morgan Stanley | Equal Weight | Equal Weight | Maintain | Nov 21, 2022 |
| Jefferies | Hold | Hold | Maintain | Jul 11, 2022 |
| Raymond James | Outperform | Outperform | Maintain | May 2, 2022 |
| Buckingham | Neutral | Buy | Downgrade | Jan 22, 2020 |
| Buckingham Research | Neutral | Buy | Downgrade | Jan 21, 2020 |
| UBS | Buy | Buy | Maintain | Jul 9, 2019 |
| B. Riley Securities | Buy | Buy | Maintain | Jun 25, 2019 |
| FBR Capital | Market Perform | Outperform | Downgrade | Nov 27, 2016 |
| B of A Securities | Neutral | Buy | Downgrade | Nov 15, 2016 |
| Atlantic Equities | Neutral | Overweight | Downgrade | Aug 9, 2016 |
| Argus Research | Hold | Buy | Downgrade | Nov 17, 2015 |
| Sterne Agee | Buy | Buy | Maintain | Oct 12, 2014 |
| Stifel | Buy | Buy | Maintain | Dec 26, 2012 |
Track every rating change on HIG-PG the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationThe Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. Its Commercial Lines segment offers workers' compensation, property, automobile, liability, umbrella, bond, marine, livestock, and reinsurance; and customized insurance products and risk management services, including professional liability, bond, surety, and specialty casualty coverages through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures.…
Historical context
All HIG-PG earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| CBOE Cboe Global Markets, Inc. | FY2026 Q3 · Calendar Q4 2026 | +5.8% | +6.8% | Cboe posts strong Q3 as options growth and new products advance |
| NWG NatWest Group plc | FY2026 Q3 · Calendar Q4 2026 | +2.0% | -9.0% | NatWest maintains guidance as Q3 growth and capital remain strong |
| ERIE Erie Indemnity Company | FY2026 Q3 · Calendar Q4 2026 | +2.1% | +5.3% | Erie pairs resilient demand initiatives with thin underwriting margins |
| COIN Coinbase Global, Inc. | FY2026 Q3 · Calendar Q4 2026 | +1189.2% | -10.6% | Coinbase offsets lower spot trading with prediction markets and AI agents |
| TPG TPG Inc. | FY2026 Q3 · Calendar Q4 2026 | +4.3% | +7.5% | TPG raises FRE margin outlook as capital formation accelerates |
| AJG Arthur J. Gallagher & Co. | FY2026 Q3 · Calendar Q4 2026 | +0.3% | +2.9% | AJG: Q3 growth and AssuredPartners synergies support outlook |
Latest beats and misses
Who reports nextBeat on EPS
- CHDFY2026 Q3 · October 30, 2026+2.2% EPS+1.2% move
- AZNFY2026 Q3 · October 30, 2026+7.3% EPS+7.0% move
- FRTFY2026 Q3 · October 30, 2026+3.9% EPS-1.1% move
- CVXFY2026 Q3 · October 30, 2026+8.4% EPS+1.8% move
- BTSGFY2026 Q3 · October 30, 2026+14.2% EPS+11.1% move
- EXCFY2026 Q3 · October 30, 2026+10.4% EPS+0.5% move
Missed on EPS
- GLPIFY2026 Q3 · October 29, 2026-11.5% EPS-1.3% move
- LYBFY2026 Q3 · October 30, 2026-1.2% EPS+5.0% move
- CCJFY2026 Q3 · October 30, 2026-101.4% EPS-7.9% move
- VALEFY2026 Q3 · October 29, 2026-24.6% EPS+1.9% move
- DLR-PLFY2026 Q3 · October 29, 2026-8.4% EPS— move
- DLR-PKFY2026 Q3 · October 29, 2026-8.4% EPS— move
Get the HIG-PG recap when the next report posts
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Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-11-02. For educational purposes only; not investment advice.