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HIG · Q2 2026
Archived report (Q2 2026). Latest deep dive →
The quarter in brief
Revenue grew 8.1% y/y to $7.26B, pre-tax margin 16.9% vs 17.5%, net income $1.29B (+30.6% y/y).
Net income available to common stockholders
$1,293M
up 30.6% y/y
Total revenues
$7,263M
up 8.1% y/y
All figures in $M.
| Line item | Amount and change |
|---|---|
| Earned premiums | $6,279 · +5.3% |
| Net investment income | $800 · +21.6% |
| Fee income | $86 · +0.0% |
| Net realized gains (losses) | $64 · vs −$19 |
| Other revenues | $34 · +13.3% |
| Total revenues | $7,263 · +8.1% |
| Benefits, losses and loss adjustment expenses | $4,081 · +9.9% |
| Insurance operating costs and other expenses | $1,215 · +6.8% |
| Amortization of deferred policy acquisition costs | $669 · +7.0% |
| Interest expense | $50 · +0.0% |
| Amortization of other intangible assets | $17 · +0.0% |
| Income from continuing operations before income taxes | $1,231 · +4.9% · 16.9% margin |
| Income tax expense | $251 · +6.4% · 20.4% effective rate |
| Income from discontinued operations, net of tax | $318 · +458% |
| Preferred stock dividends | $5 · +0.0% |
| Net income available to common stockholders | $1,293 · +30.6% · $4.68/sh · 17.8% margin |
Verdict: revenue grew 8.1% y/y to $7.26B, pre-tax margin 16.9% vs 17.5%, net income $1.29B (+30.6% y/y).
Diluted EPS $4.68 vs $3.44 a year earlier, core earnings per diluted share $3.42 vs $3.24; core earnings $945 million, up 1%; Business Insurance combined ratio 91.4, Personal Insurance 90.1; $615 million returned to stockholders and a new $4.2 billion buyback authorization.
Source and notation
Source: Hartford Insurance earnings release and its exhibits, 8-K EX-99 of 07/23/2026 (SEC EDGAR). Insurer layout: total revenues = premiums + net investment income + fees and other revenues + realized investment gains (losses), as reported; benefits, claims and expenses are deducted to reach pre-tax income. The income statement lines were taken from the release by hand; the program found every figure in the release text and checked the accounting identities and the chart balance; revenue and net income match SEC XBRL.
Open as an image: HIG, Q2 2026 (PNG) ↗ · for sharing and presentations · free to reuse, CC BY 4.0
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Chart: “HIG Q2 2026: where the revenue went” by Who Reports Today, https://whoreportstoday.com/t/hig/q2-2026. Licensed under CC BY 4.0.
<figure> <a href="https://whoreportstoday.com/t/hig/q2-2026"><img src="https://whoreportstoday.com/t/hig/q2-2026/sankey.png" alt="HIG Q2 2026: where the revenue went" loading="lazy" style="max-width:100%;height:auto"></a> <figcaption>Source: <a href="https://whoreportstoday.com/t/hig/q2-2026">Who Reports Today</a>, licensed under <a href="https://creativecommons.org/licenses/by/4.0/">CC BY 4.0</a></figcaption> </figure>
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<a href="https://whoreportstoday.com/t/hig/q2-2026">HIG Q2 2026 earnings chart (Who Reports Today)</a>
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- On June 3, 2026, The Hartford agreed to sell Hartford Funds Management, Inc.; its results are now discontinued operations, and revenue for the second quarter of 2025 is shown without it ($6,716M).
- Income from discontinued operations rose to $318 million from $57 million due to a $251 million income tax benefit associated with the sale of Hartford Funds — the main reason net income jumped 30% while core earnings rose 1%.
- Earned premiums rose 5% to $6,279M and net investment income 22% to $800M; benefits and losses rose 10% to $4,081M.
- Employee Benefits: the loss ratio rose to 72.5% from 69.1% on a higher group disability loss ratio, and net income margin was 7.7%.
- Pre-tax income was $1.23B, a 16.9% margin vs 17.5% a year earlier.
- The effective tax rate was 20.4% vs 20.1% a year earlier.
What distorts the picture in this report and what to watch beyond the headlines.
HIG — The Hartford is a U.S. insurer providing commercial property and casualty insurance (Business Insurance), personal auto and home insurance (Personal Insurance) and group benefits such as disability and life insurance (Employee Benefits). Headquarters: Hartford, Connecticut.
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