Hartford (The)

Financials Property & Casualty Insurance Hartford, Connecticut Last filing Feb 20, 2026 · FY2025

                    Revenue
                    FY2025
                
$28.4B
                    3y CAGR +8.3%
                    
                    P25
                    
                    +6.9%
                    
                    Net income
                    FY2025
                
$3.8B
                    Net margin +13.5%
                    
                    P27
                    
                    +23.3%
                    
                    Total assets
                    FY2025
                
$86.0B
                    ROA +4.5%
                    
                    P71
                    
                    +6.3%
                    
                    Operating cash flow
                    FY2025
                
$5.9B
                    FCF margin +20.3%
                    
                    P36
                    
                    +0.2%

19 yrs · FY2007–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s revenue.

Balance Sheet

Assets, liabilities, and equity

22 accounts · 5 years

Total assets $86.0B

Total liabilities $67.0B

Shareholders equity $19.0B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	0.6%	0.9%	0.8%	1.5%	1.5%
Short Term Investments	1.7%	2.3%	3.5%	8.1%	9.4%
Other Current Assets	7.8%	7.5%	7.2%	9.6%	11.5%
Property,Plant and Equipment	3.3%	3.3%	3.7%	4.1%	4.6%
Goodwill	6.7%	7.2%	7.8%	8.5%	8.5%
Intangible Assets	0.0%	2.4%	2.9%	3.5%	3.8%
Deferred Tax Assets	3.2%	4.6%	4.8%	6.5%	1.2%
Other Noncurrent Assets	7.8%	7.5%	7.2%	9.6%	11.5%
Total Assets	303.1%	304.9%	313.0%	326.5%	342.0%
Liabilities
Other Current Liabilities	18.6%	18.9%	20.6%	21.3%	25.3%
Total Current Liabilities	236.2%	243.0%	250.6%	265.6%	262.3%
Long Term Debt	15.4%	16.5%	17.8%	19.5%	22.1%
Other Noncurrent Liabilities	18.6%	18.9%	20.6%	21.3%	25.3%
Total Liabilities	236.2%	243.0%	250.6%	265.6%	262.3%
Equity
Preferred Stock	1.2%	1.3%	1.4%	1.5%	1.5%
Common Stock	0.0%	0.0%	0.0%	0.0%	0.0%
Additional Paid In Capital	1.9%	2.2%	2.6%	8.5%	14.8%
Retained Earnings	87.2%	81.1%	77.5%	76.2%	70.4%
Treasury Stock	16.2%	11.7%	7.4%	7.9%	7.8%
Accumulated Other Comprehensive Income	-7.3%	-10.9%	-11.6%	-17.3%	0.8%
Total Stockholders Equity	66.9%	62.0%	62.5%	61.2%	79.7%
Total Liabilitiesand Equity	303.1%	304.9%	313.0%	326.5%	342.0%

Income Statement

Revenue, expense, and profitability

15 accounts · 5 years

Revenue $28.4B

Operating income $2.4B

Net income $3.8B

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Total Revenue	100.0%	100.0%	100.0%	100.0%	100.0%
Expenses Selling,General and Administrative	19.7%	19.8%	19.9%	21.6%	21.4%
Expenses Depreciation and Amortization	0.7%	0.7%	0.8%	1.0%	1.3%
Expenses Share Based Compensation	0.5%	0.5%	0.5%	0.6%	0.6%
Expenses Restructuring and Asset Impairment	0.0%	0.0%	0.0%	0.1%	0.0%
Other Income Expense Interest Expense	0.7%	0.7%	0.8%	1.0%	1.0%
Other Income Expense Other Income/expense	-0.4%	-0.2%	-0.8%	-2.8%	2.4%
Other Income Expense Income Before Tax	16.8%	14.5%	12.6%	10.1%	13.0%
Income Tax Income Tax Expense	3.3%	2.8%	2.4%	2.0%	2.4%
net Income net Income	13.5%	11.7%	10.2%	8.1%	10.6%
net Income Comprehensive Income	16.4%	11.6%	14.3%	-9.6%	6.2%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	1.0%	1.1%	1.3%	1.5%	1.6%
Earnings Per Share Weighted Average Shares Diluted	1.0%	1.1%	1.3%	1.5%	1.6%

Cash Flow Statement

Operating, investing, and financing flows

20 accounts · 5 years

Operating cash flow $5.9B

Investing cash flow $-3.8B

Financing cash flow $-2.2B

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Income	13.5%	11.7%	10.2%	8.1%	10.6%
Operating Activities Depreciation and Amortization	0.7%	0.7%	0.8%	1.0%	1.3%
Operating Activities Stock Based Compensation	0.5%	0.5%	0.5%	0.6%	0.6%
Operating Activities Deferred Income Taxes	0.4%	-0.2%	0.0%	-0.5%	0.2%
Operating Activities Changes In Operating Assets and Liabilities	1.0%	1.0%	0.0%	0.7%	-0.1%
Operating Activities Other Non Cash Items	0.5%	1.2%	0.9%	0.5%	-0.6%
Operating Activities net Cash From Operating Activities	20.9%	22.3%	17.2%	17.9%	18.3%
Investing Activities Capital Expenditures	0.6%	0.5%	0.9%	0.8%	0.6%
Investing Activities Purchases of Investments	0.3%	0.2%	4.8%	6.1%	6.3%
Investing Activities Proceeds From Sale of Investments	0.8%	1.5%	8.9%	5.4%	2.8%
Investing Activities Other Investing Activities	0.3%	0.0%	0.1%	-0.0%	0.0%
Investing Activities net Cash From Investing Activities	-13.2%	-14.2%	-9.9%	-5.7%	-11.0%
Financing Activities Repurchase of Common Stock	5.7%	5.7%	5.7%	6.9%	7.6%
Financing Activities Dividends Paid	2.1%	2.1%	2.2%	2.3%	2.2%
Financing Activities Proceeds From Stock Issuance	0.1%	0.3%	0.2%	0.1%	0.2%
Financing Activities net Cash From Financing Activities	-7.9%	-7.8%	-7.9%	-12.1%	-7.1%
Cash Reconciliation Effect of Exchange Rate On Cash	0.6%	0.9%	0.8%	1.5%	-0.0%
Cash Reconciliation net Change In Cash	-0.2%	0.2%	-0.6%	0.0%	0.4%
Cash Reconciliation Cash At Beginning of Period	0.6%	0.9%	0.8%	1.5%	1.5%
Cash Reconciliation Cash At End of Period	0.6%	0.9%	0.8%	1.5%	1.5%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	—	—	—	—	+10.6%
Net margin	+13.5%	+11.7%	+10.2%	+8.1%	+10.6%
FCF margin	+20.3%	+21.7%	+16.3%	+17.1%	+17.7%
Growth
Revenue CAGR (3y)	+8.3%	+5.8%	+6.1%	+2.5%	+5.7%
Returns
ROE	+20.2%	+18.9%	+16.3%	+13.3%	+13.3%
ROA	+4.5%	+3.8%	+3.3%	+2.5%	+3.1%
ROIC	—	—	—	—	+7.0%
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	3.53x	3.92x	4.01x	4.34x	3.29x
Interest coverage	—	—	—	—	10.11x
Efficiency
Asset turnover	0.33x	0.33x	0.32x	0.31x	0.29x
Cash conversion cycle	—	—	—	—	—

Valuation

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Hartford (The)

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