Filing Flows › Hartford Insurance Group (HIG) › Q4 2025
Hartford Insurance Group (HIG) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 20, 2026
Hartford Insurance Group (HIG) reported revenue of $8.2B for the fourth quarter 2025 (Q4 2025), +19% from a year earlier and +17% from the quarter before. Operating margin was 19.8%, net earnings $1.1B (13.9% of revenue).
Hartford Insurance Group, Q4 2025: revenue $8.2B (+19% year over year), operating margin 19.8%, net earnings $1.1B, operating cash flow $1.8B. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $8.2B | +17% | +19% |
| Operating profit | $1.6B | +30% | +51% |
| Net earnings | $1.1B | +5% | +33% |
| Operating cash flow | $1.8B | -2% | -4% |
| Free cash flow | $1.8B | -2% | -7% |
What changed
Revenue was $8.2B in Q4 2025, up 19% year over year and up 17% from the previous quarter.
Operating profit was $1.6B, a 19.8% margin (up 4.2 points year over year). Of the extra revenue versus a year earlier, 43% reached operating profit, above the 16% margin then. Total costs grew 13% against revenue growth of 19%. The fastest-growing cost line was Other operating costs (+14%). Net earnings were $1.1B, up 33% year over year. The effective tax rate was 20.0%.
Operating cash flow was $1.8B (down 4% year over year), 160% of net earnings. Non-cash charges added back $0.14B of depreciation and amortization. Working capital and other items added $0.54B. Capital expenditures of $0.05B left free cash flow of $1.8B.
Questions
What was Hartford Insurance Group's revenue in the fourth quarter 2025?
Hartford Insurance Group (HIG) reported revenue of $8.2B for the fourth quarter 2025 (Q4 2025), +19% from a year earlier and +17% from the quarter before.
Was Hartford Insurance Group profitable in the fourth quarter 2025?
Operating profit was $1.6B (19.8% of revenue) and net earnings $1.1B.