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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Andy Kligerman | TD Cowen | 12 | 8% |
| Brian Meredith | UBS | 12 | 8% |
| Greg Peters | Raymond James | 12 | 0% |
| Elyse Greenspan | Wells Fargo | 12 | 0% |
| Dave Motemaden | Evercore ISI | 10 | 10% |
| Mike Zaremski | BMO Capital Markets | 10 | 10% |
| Rob Cox | Goldman Sachs | 10 | 0% |
| Alex Scott | Barclays | 6 | 17% |
| Yaron Kinar | Mizuho Securities | 4 | 25% |
| Josh Shanker | Bank of America | 4 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Wells Fargo | 2 | 14 | 0% |
| TD Cowen | 1 | 12 | 8% |
| UBS | 1 | 12 | 8% |
| Raymond James | 1 |
| 12 |
| 0% |
| Goldman Sachs | 1 | 10 | 0% |
| BMO Capital Markets | 1 | 10 | 10% |
| Evercore ISI | 1 | 10 | 10% |
| Barclays | 1 | 6 | 17% |
Hartford delivered Q1 core earnings of $2.55 per share with ROE of 17.8%, as Commercial Lines combined ratio held at 90.1% despite higher large-loss activity in property. Personal Lines combined ratio of 89.5% demonstrated sustained profitability improvement, and Group Benefits margins expanded to 6.8% on favorable long-term disability experience. Written premium grew 7% with small commercial pricing holding at 8.9%, and the company flagged that tariff-driven casualty inflation was being addressed through proactive rate actions.
Competitive Dynamics | Margin | Revenue Growth | Pricing | Cost Pressure | Innovation & R&D | Capex Investment | Regulation Policy | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 2 | 5 | 2 | 1 | 9 | 1 | 3 | |
| 2025Q1 | 10 | 6 | 5 | 5 | 4 | 2 | 2 | 1 |
| 2025Q2 | 9 | 7 | 6 | 5 | 5 | 1 | 1 | 3 |
| 2025Q3 | 6 | 5 | 6 | 7 | 4 | 2 | 1 | |
| 2025Q4 | 7 | 7 | 9 | 5 | 2 | 4 | 1 | |
| 2026Q1 | 10 | 6 | 3 | 7 | 4 | 4 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Competitive Dynamics | 2 | 10 | 9 | 6 | 7 | 10 |
| Margin | 5 | 6 | 7 | 5 | 7 | 6 |
| Revenue Growth | 2 | 5 | 6 | 6 | 9 | 3 |
| Pricing | 1 | 5 | 5 | 7 | 5 | 7 |
| Cost Pressure | 9 | 4 | 5 | 4 | 2 | 4 |
| Innovation & R&D | 2 | 1 | 2 | 4 | 4 | |
| Capex Investment | 1 | 2 | 1 | 1 | 1 | 1 |
| Regulation Policy | 3 | 1 | 3 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
HIG Hartford (The) | 6 | +6.1% | |
| ACGL Arch Capital Group | 3 | -5.0% | |
| AIG American International Group | 6 | -1.8% | |
| BRK-B Berkshire Hathaway | 4 | n/a | |
| PFG Principal Financial Group | 7 | -4.5% |