The Hartford Insurance Group, Inc. · NYSE:HIG
The Hartford Insurance — Q3 2026 Earnings Presentation
14 slides from The Hartford Insurance's earnings presentation, Oct 27, 2026
Slide 1: Third Quarter 2026 Financial Results
Third Quarter 2026 Financial Results The Hartford Insurance Group, Inc. October 26 , 2026
Slide 2: Safe Harbor Statement
Safe Harbor Statement Certain statements made in this presentation should be considered forward -looking statements as defined in the Private Securities Litigation Reform Act of 1995. These include statements about The Hartford’s future results of operations. We caution investors that these forward-
Slide 3: Diversified Insurer With Core Underwriting Strengths And Market Leadership
The Hartford Diversified Insurer With Core Underwriting Strengths And Market Leadership ► Market leader in desirable segments with high return characteristics ► Delivering consistently strong results across diversified businesses with significant contribution from investment portfolio ► Leveraging c
Slide 4: Third Quarter 2026 – Disciplined Execution
Third Quarter 2026 – Disciplined Execution The Hartford delivered a 17.9% trailing 12-month core earnings ROE 1,3 Book Value Per Diluted Share Growth: (ex AOCI) 1,2 ► P&C net written premium growth of 4%, including 6% in Business Insurance ► Employee Benefits fully insured ongoing premium growth of
Slide 5: Core Earnings of $956 million in 3Q26, EPS of $3.50, Trailing 12-Month ROE of 17.9%
Core Earnings 1 of $956 million in 3Q26, EPS 1,2of $3.50, Trailing 12-Month ROE 1,3of 17.9% Core Earnings (loss) By Segment ($ in millions, except per share amounts) 3Q26 3Q25 Change 4 Business Insurance $731 $723 1% Personal Insurance 105 143 (27%) P&C Other Operations 16 14 14% Property & Casualty
Slide 6: 3Q26 Key Business Highlights vs. 3Q25
3Q26 Key Business Highlights vs. 3Q25 Property & Casualty Strong contributions from Business Insurance & continued underlying margin improvement in Personal Insurance Written premiums Combined ratio1 (%) Underlying combined ratio2 (%) $4.7B 4% 81.1 92.1 7.7 pts 89.6 0.0 pts Business Insurance $3.8B
Slide 7: Business Insurance: Continues to deliver profitable growth
Business Insurance Continues to deliver profitable growth Written premiums of $3.8 billion in Excluding workers’ compensation, Combined ratio of 91.3 in 3Q26 Underlying combined ratio 1of 90.1 3Q26 were up 6% from 3Q25, led by 7% renewal written price increases of increased from 88.8 in 3Q25, in 3Q2
Slide 8: Personal Insurance: Continued improvement in the underlying combined ratio
Personal Insurance Continued improvement in the underlying combined ratio 1 Written premiums of $950 million Renewal written price increases in Combined ratio of 93.2 in 3Q26 Underlying combined ratio 1of 87.1 in 3Q26 decreased from $987 automobile and homeowners of increased from 88.7 in 3Q25, impr
Slide 9: Employee Benefits: Core earnings margin of 6.4%
Employee Benefits Core earnings margin 1 of 6.4% Core earnings margin 1of 6.4% in Loss ratio of 74.9 in 3Q26 increased Group life loss ratio of 77.8 in 3Q26 3Q26 fully insured ongoing premiums 3Q26 decreased from 8.3% in 3Q25, from 70.1in 3Q25 driven by an increased from 74.2 in 3Q25, reflecting inc
Slide 10: Corporate: Core loss of $16 million compared to a core loss of $7 million in 3Q25
Corporate Core loss 1 of $16 million compared to a core loss of $7 million in 3Q25 Components of Corporate Core Losses Corporate Holding Company Resources ($ in billions) ($ in millions) 3Q2 5 4 Q2 5 1Q2 6 2Q2 6 3Q2 6 Net investment income, after tax $11 $13 $13 $15 $14 Interest expense, after tax (
Slide 11: The Investment Portfolio: High quality and diversified
The Investment Portfolio High quality and diversified Net investment income of $850 LP annualized yield of 10.2% in 3Q26 High quality portfolio, ~95% of the Our investment portfolio is million increased from $755 million in increased from 6.7% in 3Q25, primarily fixed maturities portfolio is durable
Slide 12: Net Income ROE of 25.0% and Core Earnings ROE of 17.9% in 3Q26
Net Income ROE 1of 25.0% and Core Earnings ROE 2 of 17.9% in 3Q26 Outstanding Profitability Across P&C and Employee Benefits Net Income ROE Consolidated Core Earnings ROE 25.0% 22.0% 19.9% 20.3% 18.3% 17.9% 17.5% 17.3% 15.8% 15.7% 2023 2024 2025 3Q25 3Q26 2023 2024 2025 3Q25 3Q26 P&C Core Earnings R
Slide 13: BVPS (Ex. AOCI) of $82.47 at September 30, 2026
BVPS (Ex. AOCI) 1of $82.47 at September 30, 2026 In 3Q26, the company returned $638 Book value per diluted share of $68.31 Book value per diluted share (ex. AOCI) 1 Including common stockholder million to stockholders, including $475 increased from $66.31 at December 31, of $82.47 increased from $73
Slide 14: Discussion And Reconciliation Of Non-GAAP Financial Measures
Discussion And Reconciliation Of Non -GAAP Financial Measures The Hartford uses non-GAAP financial measures in this presentation to assist investors in analyzing The Hartford's operating per formance for the periods presented herein. Because The Hartford's calculation of these measures may differ fr
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