Analyst Consensus ?
ConsensusBuy42 ratings
Bullish2252.4%
Neutral2047.6%
Bearish00.0%
The Hartford Insurance Group, Inc. · HIG · FY2025 Q3 · Calendar Q4 2025
The Hartford: Strong underwriting and growth, with pricing risks ahead
The supplied analysis supports a constructive but qualified view of The Hartford’s operating trajectory: premium growth, underwriting discipline, investment income, and technology initiatives provide support, while pricing limits, cost inflation, catastrophe exposure, and execution risks temper confidence in sustained growth.
Reported After market closeNYSEFinancial Services
$34.55B market cap
90quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$3.78
Consensus $3.09
EPS surprise
+22.3%
Reported versus consensus
Reported revenue
$7.15B
Consensus $7.17B
Revenue surprise
-0.3%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
-1.8%
Event window
SPY move
+0.3%
Same window
Abnormal move
-2.1%
Stock minus SPY
Volume
1.8×
Versus trailing sessions
Subsequent drift
+12.1%
Up to 20 sessions
HIGSPY benchmark
Ask FN2 about HIG FY2025 Q3
Transcript, numbers and history already loaded
Why did HIG fall 1.8% after beating EPS estimates in FY2025 Q3?What changed in HIG's guidance and outlook in FY2025 Q3?Give me the bull and bear case for HIG after FY2025 Q3 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The supplied analysis emphasizes record core earnings, broad premium growth, a 15% dividend increase, continued share repurchases, higher investment income, and expanded technology and Prevail initiatives. It also identifies rising attention to pricing pressure, tariff-related property costs, catastrophe risk, and expense growth.
Guidance delta
Management guidance sentiment was maintained; the supplied analysis does not identify a quantified guidance change.
Key takeaways
- The supplied analysis describes record core earnings, double-digit premium growth in several business lines, and strong underlying combined ratios.
- Management highlighted AI-enabled underwriting, digital platforms, the Prevail rollout, cloud migration, and continued technology investment.
- The principal watchpoints are pricing pressure, workers’ compensation rate limits, tariff-related loss costs, catastrophe exposure, and higher expenses.
Management priorities
- Expand the Prevail offering, with a rollout to 30 states by early 2027.
- Continue the six-year cloud migration and deploy AWS Connect in the first half of 2026.
- Invest in AI for claims, underwriting, and operations while maintaining capital returns through dividend growth and share repurchases.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$126.05Current
$73Low
$131.61Average
$165High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 4, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Mizuho | Neutral | Outperform | Downgrade | Sep 16, 2026 |
| Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintain | Jul 28, 2026 |
| Wells Fargo | Overweight | Overweight | Maintain | Jul 27, 2026 |
| RBC Capital | Sector Perform | Sector Perform | Maintain | Jul 27, 2026 |
| JP Morgan | Neutral | Neutral | Maintain | Jul 20, 2026 |
| Piper Sandler | Neutral | Overweight | Downgrade | Jul 15, 2026 |
| Evercore ISI Group | In Line | In Line | Maintain | Jul 10, 2026 |
| Cantor Fitzgerald | Overweight | Overweight | Maintain | Jul 9, 2026 |
| Barclays | Overweight | Overweight | Maintain | Jun 12, 2026 |
| UBS | Buy | Buy | Maintain | Apr 27, 2026 |
| B of A Securities | Neutral | Neutral | Maintain | Apr 14, 2026 |
| Citigroup | Neutral | Neutral | Maintain | Feb 4, 2026 |
| Morgan Stanley | Equal Weight | Equal Weight | Maintain | Feb 3, 2026 |
| Roth Capital | Neutral | Neutral | Maintain | Jan 30, 2026 |
| Argus Research | Buy | Buy | Maintain | Nov 25, 2025 |
| Raymond James | Outperform | Outperform | Maintain | Aug 1, 2025 |
| Jefferies | Hold | Hold | Maintain | Apr 11, 2025 |
| BMO Capital | Market Perform | Market Perform | Maintain | Nov 27, 2024 |
| Goldman Sachs | Buy | Buy | Maintain | Jun 13, 2024 |
| Roth MKM | Neutral | Neutral | Maintain | Apr 26, 2024 |
| TD Cowen | Buy | Buy | Maintain | Apr 3, 2024 |
| Credit Suisse | Outperform | Outperform | Maintain | Apr 17, 2023 |
| Deutsche Bank | Buy | Buy | Maintain | May 5, 2020 |
| MKM Partners | Buy | Buy | Maintain | Apr 30, 2020 |
| Buckingham Research | Neutral | Buy | Downgrade | Jan 22, 2020 |
| Buckingham | Neutral | Buy | Downgrade | Jan 22, 2020 |
| B. Riley Securities | Buy | Buy | Maintain | Jun 26, 2019 |
| B. Riley | Buy | Buy | Maintain | Jun 26, 2019 |
| Compass Point | Buy | Buy | Maintain | Jan 15, 2019 |
| B. Riley FBR | Buy | Neutral | Upgrade | Sep 24, 2018 |
| Sandler O'Neill | Buy | Buy | Maintain | Sep 10, 2018 |
| Argus | Hold | Buy | Downgrade | May 5, 2018 |
| FBR Capital | Market Perform | Outperform | Downgrade | Nov 28, 2016 |
| Bank of America | Neutral | Buy | Downgrade | Nov 16, 2016 |
| Atlantic Equities | Neutral | Overweight | Downgrade | Aug 10, 2016 |
| Keefe Bruyette & Woods | Outperform | Outperform | Maintain | Aug 1, 2016 |
| Nomura | Neutral | Neutral | Maintain | Jan 19, 2016 |
| Sterne Agee | Buy | Buy | Maintain | Oct 13, 2014 |
| Stifel Nicolaus | Buy | Buy | Maintain | Dec 27, 2012 |
| Stifel | Buy | Buy | Maintain | Dec 27, 2012 |
| Bank oferica | Buy | Buy | Maintain | Feb 24, 2012 |
| Evercore Partners | Overweight | Overweight | Maintain | Feb 16, 2012 |
Named analyst price targets
Upside is calculated against the persisted current price $126.05. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Piper Sandler | Paul Newsome | $146 | $138.15 | +15.8% | Jul 15, 2026 |
| Mizuho Securities | Yaron Kinar | $154 | $127.33 | +22.2% | Jun 5, 2026 |
| Wells Fargo | Elyse Greenspan | $154 | $127.33 | +22.2% | Jun 5, 2026 |
| Morgan Stanley | Analyst unavailable | $142 | $139.38 | +12.7% | Feb 3, 2026 |
| Cantor Fitzgerald | Ryan Tunis | $165 | $136.38 | +30.9% | Feb 2, 2026 |
| UBS | Analyst unavailable | $157 | $135.06 | +24.6% | Feb 2, 2026 |
| Wells Fargo | Analyst unavailable | $156 | $135.06 | +23.8% | Feb 1, 2026 |
| Roth Capital | Analyst unavailable | $135 | $132.37 | +7.1% | Jan 30, 2026 |
| Cantor Fitzgerald | Analyst unavailable | $160 | $132.44 | +26.9% | Jan 14, 2026 |
| Wells Fargo | Analyst unavailable | $153 | $135.24 | +21.4% | Jan 13, 2026 |
| Goldman Sachs | Robert Cox | $151 | $135.9 | +19.8% | Jan 7, 2026 |
| Evercore ISI | David Motemaden | $145 | $136.86 | +15.0% | Jan 7, 2026 |
| Piper Sandler | Analyst unavailable | $161 | $139.01 | +27.7% | Dec 22, 2025 |
| Mizuho Securities | Analyst unavailable | $160 | $138.65 | +26.9% | Dec 15, 2025 |
| UBS | Brian Meredith | $155 | $129.43 | +23.0% | Dec 8, 2025 |
| Argus Research | Kevin Heal | $155 | $138.37 | +23.0% | Nov 25, 2025 |
| RBC Capital | Analyst unavailable | $145 | $136.64 | +15.0% | Nov 24, 2025 |
| Morgan Stanley | Bob Huang | $150 | $133.06 | +19.0% | Nov 17, 2025 |
| UBS | Brian Meredith | $152 | $133.81 | +20.6% | Oct 8, 2025 |
| Barclays | Analyst unavailable | $160 | $133.81 | +26.9% | Oct 8, 2025 |
| Morgan Stanley | Analyst unavailable | $140 | $133.48 | +11.1% | Oct 7, 2025 |
| Evercore ISI | Analyst unavailable | $137 | $134.24 | +8.7% | Oct 1, 2025 |
| Piper Sandler | Analyst unavailable | $150 | $131.91 | +19.0% | Sep 2, 2025 |
| Evercore ISI | David Motemaden | $123 | $112.3 | -2.4% | Feb 3, 2025 |
| Capital One Financial | Michael Zaremski | $141 | $124.03 | +11.9% | Nov 27, 2024 |
| Jefferies | Yaron Kinar | $126 | $113.48 | -0.0% | Oct 28, 2024 |
| Bank of America Securities | Joshua Shanker | $121 | $116.66 | -4.0% | Oct 4, 2024 |
| Barclays | Alex Scott | $130 | $116 | +3.1% | Sep 4, 2024 |
| Jefferies | Yaron Kinar | $113 | $109.26 | -10.4% | Jul 29, 2024 |
| Citigroup | Michael Ward | $118 | $109.26 | -6.4% | Jul 29, 2024 |
| Piper Sandler | Paul Newsome | $125 | $109.44 | -0.8% | Jul 29, 2024 |
| RBC Capital | Mark Dwelle | $115 | $109.41 | -8.8% | Jul 29, 2024 |
| Goldman Sachs | Robert Cox | $111 | $99.4 | -11.9% | Jun 13, 2024 |
| Argus Research | Jacob Kilstein | $110 | $101.33 | -12.7% | May 15, 2024 |
| CFRA | Catherine Seifert | $115 | $99.46 | -8.8% | Mar 13, 2024 |
| Barclays | Tracy Benguigui | $78 | $63.45 | -38.1% | Aug 4, 2022 |
| Raymond James | Analyst unavailable | $85 | $70.15 | -32.6% | May 3, 2022 |
| Wells Fargo | Analyst unavailable | $89 | $69.93 | -29.4% | May 2, 2022 |
| Bank of America Securities | Joshua Shanker | $86 | $72.13 | -31.8% | Oct 29, 2021 |
| Credit Suisse | Andrew Kligerman | $93 | $67.86 | -26.2% | Sep 9, 2021 |
| Deutsche Bank | Phil Stefano | $73 | $62.28 | -42.1% | Jul 12, 2021 |
| Raymond James | Charles Peters | $75 | $65.3 | -40.5% | Apr 19, 2021 |
| Piper Sandler | Nicole Miller Regan | $75 | $65.09 | -40.5% | Apr 12, 2021 |
Track every rating change on HIG the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationThe Hartford Insurance Group, Inc., together with its subsidiaries, provides insurance and financial services to individual and business customers in the United States, the United Kingdom, and internationally. It operates through Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits and Hartford Funds. The company offers insurance coverage, including workers’ compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, livestock, accident, health, and reinsurance through regional offices, branches, sales and policyholder service centers, independent retail agents and brokers, wholesale agents, and reinsurance brokers. The company also provides automobiles, homeowners, and personal umbrella coverages. The Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures.…
Historical context
All HIG earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| FDS FactSet Research Systems Inc. | FY2026 Q4 · Calendar Q3 2026 | +3.9% | +3.8% | FactSet reports record FY26 results as AI and MCP adoption accelerate |
| PUK Prudential plc | FY2026 Q2 · Calendar Q3 2026 | -40.9% | -0.5% | Prudential sustains growth and capital returns focus in H1 2026 |
| CM Canadian Imperial Bank of Commerce | FY2026 Q3 · Calendar Q3 2026 | +8.9% | -2.8% | CIBC Q3: Broad growth, resilient credit and expanded AI rollout |
| TD The Toronto-Dominion Bank | FY2026 Q3 · Calendar Q3 2026 | +13.8% | +1.4% | TD emphasizes growth investments alongside disciplined capital management |
| RY Royal Bank of Canada | FY2026 Q3 · Calendar Q3 2026 | +6.2% | -1.3% | RBC reports record Q3 earnings while investing for growth |
| AFRM Affirm Holdings, Inc. | FY2026 Q4 · Calendar Q3 2026 | +1230.3% | +0.3% | Affirm's most profitable quarter shifts focus to product execution |
Latest beats and misses
Who reports nextBeat on EPS
- ACNFY2026 Q4 · October 1, 2026+3.5% EPS+15.8% move
- MKCFY2026 Q3 · October 1, 2026+13.9% EPS-4.9% move
- NKEFY2027 Q1 · October 1, 2026+10.0% EPS-0.7% move
- CAGFY2027 Q1 · September 30, 2026+44.4% EPS-4.9% move
- FDSFY2026 Q4 · September 30, 2026+3.9% EPS+3.8% move
- JBLFY2026 Q4 · September 30, 2026+8.1% EPS-10.0% move
Get the HIG recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
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 · 2026-10-04T01:20:42.040151+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-04T01:20:42.037256+00:00
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.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
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 2026-10-04. For educational purposes only; not investment advice.