Hartford Financial Services Group Inc.
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+ FollowMarket Cap$35.48B
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Earnings Call Q3 2026
October 27, 2026 - AI Summary
Strong Q3 financial performance + ROE momentum
- Core earnings: $956m (≈$3.50/share) with 17.9% trailing-twelve-month core ROE.
- Book value/share excl. AOCI: $82.47, +12% vs year-end and +16% vs a year ago (shows strong earnings power + disciplined capital management).
- Business insurance overall: written premium +6% YoY, underlying combined ratio 90.1.
- Personal insurance: underlying combined ratio 87.1 (improving +2.9 pts YoY) despite premium pressures.
- Employee benefits: core earnings margin 6.4% (within 6%–7% long-term range), fully insured premium +4%, persistency >90%.
Business insurance: small business strength offset by comp + property volatility (and market competition)
- Small business: premium +7% with exceptional underlying combined ratio 85.2 (benefited by lower non-cat property losses; generally strong underlying performance).
- Middle & large: premium +3% but underlying combined ratio 99.5 driven by higher non-cat property losses and workers’ compensation frequency.
- Management attributed the middle/large deterioration mainly to:
- Comp frequency increase seen across the book (not tied to a single geography/risk) linked to broader factors like health care cost increases and ACA subsidy expiration.
- Non-cat property volatility (described as “normal volatility,” with a few large fire/water losses).
- Total business insurance pricing: overall renewal written pricing ex-wc -40 bps to 5.3%; all-in renewal pricing down 40 bps to 4.0%; workers’ comp pricing slightly positive.
Employee benefits: acquisition supports growth, but near-term margin pressure is expected
- Equitable employee benefits business closed (early month); adds about $500m annual premium and expands product suite to dental & vision.
- Expected margin impact: core earnings impact modestly dilutive in 2027, improving in later years as integration scales.
- Management still expects the employee benefits segment to remain within 6%–7% margin despite moving parts (integration spend + intangible amortization + disability trends).
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$415.04
200.5% upside
Current Fair Value
200.5% upsideUndervalued by 200.5% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $35.48 Billion |
|---|---|
| Enterprise Value | $39.73 Billion |
| Annual dividend | $2.40 |
| Dividend yield | 1.81% |
| Earnings per Share | $13.51 |
| Beta | 0.49 |
| Outstanding Shares | 278,300,000 |
Return
| Return on Equity | 23.47% |
|---|---|
| Return on Assets | 5.24% |
| Return on Invested Capital | 3.54% |
Valuation & Multiples
| P/E Ratio | 7.95 |
|---|---|
| PEG | 35.35 |
| Price to Sales | 1.33 |
| Price to Book Ratio | 1.97 |
| Enterprise Value to Revenue | 1.37 |
| Enterprise Value to EBIT | 12.84 |
| Enterprise Value to Net Income | 8 |
| Total Debt to Enterprise | 0.11 |
| Debt to Equity | 0.22 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 26, 2026
EPS Estimate
$3.17
Consensus analyst estimateRevenue Estimate
$7.37 B
Consensus analyst estimateNext Earnings Call
Expected Date
February 4, 2027
EPS Estimate
$3.21
Consensus analyst estimateRevenue Estimate
$7.32 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0000▼ 75.17% |
|---|---|
| Total Calls | 4,400▼ 99.02% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 4.09%▼ 87.30% |
|---|---|
| Total Invested | $1.40B▼ 95.86% |
| Investors Holding | 414▼ 813.00% |
About Hartford Financial Services Group Inc.
18,500 employees
CEO: Christopher Swift
The Hartford Financial Services Group, Inc. delivers a comprehensive array of insurance and financial products to private individuals and corporate clients, operating domestically within the United States, the United Kingdom, and various...