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Hartford Insurance Group cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$3.0B in Q3 2026 · $7.0B over twelve months

Operating cash flow$3.0B
Free cash flow+$3.0B
Cash / net income2.2×

Analysis

In Q3 2026, Hartford Insurance Group generated $3.0B of operating cash flow. That is $1.2B more than in Q3 2025 ($1.8B).

Over the twelve months to Sep 30, 2026, operating cash flow was $7.0B; the largest uses were other investing ($4.5B), buybacks ($1.8B), dividends ($642M); the cash balance fell by $11.0M.

Operating cash flow was $3.0B against net income of $1.3B — 2.2× profit, cash ran ahead of reported earnings. The largest differences: other operating capital −$878M, gains on investments +$116M, depreciation & amortization +$109M.

Free cash flow

Hartford Insurance Group: free cash flow by quarterHartford Insurance Group: free cash flow by quarter$1.9BQ4 2024$947MQ1 2025$1.3BQ2 2025$1.8BQ3 2025$1.8BQ4 2025$1.0BQ1 2026$1.3BQ2 2026$3.0BQ3 2026
Operating cash flow less capital spending.
Hartford Insurance Group: operating cash flow against capital spendingHartford Insurance Group: operating cash flow against capital spendingOperating cash flowCapital spending$1.9B−$26.0MQ4 2024$985M$38.0MQ1 2025$1.3B$40.0MQ2 2025$1.8B$45.0MQ3 2025$1.8B$46.0MQ4 2025$1.0B$31.0MQ1 2026$1.2B−$115MQ2 2026$3.0B$0Q3 2026
Latest (Q3 2026): Operating cash flow $3.0B, Capital spending $0.

Capital allocation, year by year

Hartford Insurance Group: where the cash came from (up) and went (down), by fiscal yearHartford Insurance Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $4.1BFY2021: Shares issued $45.0MFY2021: Asset sales $11.0MFY2021: Capital spending −$133MFY2021: Buybacks −$1.7BFY2021: Dividends −$485M$4.1BFY2021FY2022: Operating cash flow $4.0BFY2022: Net borrowing −$600MFY2022: Shares issued $26.0MFY2022: Capital spending −$175MFY2022: Buybacks −$1.6BFY2022: Dividends −$506M$4.0BFY2022FY2023: Operating cash flow $4.2BFY2023: Shares issued $47.0MFY2023: Capital spending −$215MFY2023: Buybacks −$1.4BFY2023: Dividends −$528M$4.3BFY2023FY2024: Operating cash flow $5.9BFY2024: Shares issued $92.0MFY2024: Capital spending −$145MFY2024: Buybacks −$1.5BFY2024: Dividends −$556M$6.0BFY2024FY2025: Operating cash flow $5.9BFY2025: Shares issued $36.0MFY2025: Capital spending −$169MFY2025: Buybacks −$1.6BFY2025: Dividends −$592M$6.0BFY2025
Over these 5 years operating cash flow totalled $24.2B; the largest uses were buybacks ($7.8B) and dividends ($2.7B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$123M
Debt$4.4B
Net debt$4.3B

Hartford Insurance Group funds itself: free cash flow was $7.0B over the last twelve months, and $123M of cash and investments stands against $4.4B of debt.

Hartford Insurance Group: debt maturities by year (FY2025)Hartford Insurance Group: debt maturities by year (FY2025)$600MYear 4$3.9BAfter year 5
Principal due in each year as disclosed in the annual report, against $123M of cash and investments now.

Where the cash came from and went

Hartford Insurance Group: sources (+) and uses (−) of cash, Q3 2026Hartford Insurance Group: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$3.0BOther investing−$2.3BBuybacks−$475MDividends−$164MCash drawn (+) / kept (−)$26.0MOther financing$3.0M
Hartford Insurance Group: sources (+) and uses (−) of cash, TTM to Q3 2026Hartford Insurance Group: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$7.0BOther investing−$4.5BBuybacks−$1.8BDividends−$642MOther financing−$40.0MCash drawn (+) / kept (−)$11.0MExchange rates−$8.0M

From profit to cash

Hartford Insurance Group: net income to operating cash flow, Q3 2026Hartford Insurance Group: net income to operating cash flow, Q3 2026Net income$1.3BDepreciation & amortization$109MGains on investments$116MOther operating capital−$878MOperating cash flow$3.0B
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$3.0B—−$475M−$164M$26.0M$3.0B
Q2 2026$1.2B$115M−$466M−$165M−$1.0M$1.3B
Q1 2026$1.0B−$31.0M−$450M−$167M−$43.0M$1.0B
Q4 2025$1.8B−$46.0M−$400M−$146M$29.0M$1.8B
Q3 2025$1.8B−$45.0M−$400M−$147M$13.0M$1.8B
Q2 2025$1.3B−$40.0M−$415M−$149M−$3.0M$1.3B
Q1 2025$985M−$38.0M−$400M−$150M$18.0M$947M
Q4 2024$1.9B$26.0M−$414M−$137M$47.0M$1.9B

Hartford Insurance Group: income statement and cash flow

Hartford Insurance Group, Q3 2026: revenue $7.2B (+4% year over year), operating margin 21.9%. The chart follows the revenue to costs, profit and cash.

Hartford Insurance Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.