**Hartford Insurance Group Reports Increased Net Income for 2025**
The Hartford Insurance Group, Inc. (HIG) has released its 10-K filing for the fiscal year ended December 31, 2025, reporting a net income available to common stockholders of $3.815 billion, a 23% increase compared to $3.090 billion in 2024. This translates to a diluted earnings per share of $13.32, up from $10.35 in the previous year. The company's book value per diluted share, excluding accumulated other comprehensive income (AOCI), also saw a significant rise, reaching $67.08 compared to $55.86 in 2024. As of February 19, 2026, there were 275,863,220 shares of Common Stock outstanding.
The improved financial performance was attributed to several factors, including a higher property and casualty (P&C) underwriting gain, driven by earned premium growth and favorable prior accident year reserve development. Net investment income also contributed positively, increasing due to a higher level of invested assets and higher income from limited partnerships and other alternative investments. These gains were partially offset by a higher underlying loss and loss adjustment expense ratio in Business Insurance and increased expenses in Employee Benefits.
Operationally, The Hartford reported earned premiums of $24.030 billion, a 6% increase from $22.567 billion in 2024. Business Insurance earned premiums increased by 9%, while Personal Insurance saw an 8% rise. Employee Benefits premiums remained relatively stable. The company's combined ratio for P&C operations improved to 88.3% from 89.9% in the previous year. The Hartford continued its focus on returning capital to shareholders, repurchasing 3.057 million shares of its common stock for $405.1 million during the fourth quarter of 2025. As of December 31, 2025, $1.548 billion remained available under the existing share repurchase authorization.
Looking ahead, The Hartford anticipates an increasingly competitive market within Business Insurance in 2026, but expects to maintain growth in written premium and market share while delivering profitable margins. The company also expects written premium growth in Personal Insurance, driven by renewal written pricing increases. The Hartford's management expects the long-term net income margin for the Employee Benefits business to be approximately 6% to 7%. These forward-looking statements are subject to various risks and uncertainties, as detailed in the filing, and actual results may differ materially.
About HARTFORD INSURANCE GROUP, INC.
The Hartford Insurance Group is a diversified insurance holding company providing property and casualty, employee benefits, and mutual funds services. Its core segments include Business Insurance, Personal Insurance, Employee Benefits, and Hartford Funds, serving individual and business customers primarily in the U.S. and internationally. The company leverages underwriting expertise, digital innovation, and strong distribution channels to deliver tailored insurance products and investment solutions with a focus on risk management and customer service.
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