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Top analysts & firms
All analyzed callsNot limited to the selected quarter · analysts and firms with 2 or more questions
What does “challenging” mean?
Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
Most active analysts
Analyst
Firm
Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
Material event since the last analyzed call: Named A. Morris Tooker CEO effective March 2027 as Christopher Swift becomes Executive Chair (Sep 30, 2026). See corporate events below.
Pre-Earnings Brief
Reporting soon: earnings call Monday, Oct 26
A pre-earnings brief is ready for HIG: the setup, what peers and partners said this season, and which analysts to watch.Reading it is a Tellvest Pro feature.
Analyst challenge ratePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. · all analyzed quarters
27%
Share price · trailing year
daily closes, last 12 months — not scoped to the selected quarter · dots mark earnings calls, colored by that quarter’s score
Sources.Tellvest earnings-call sentiment score for Hartford (The) (HIG), FY2026 Q1: 6/10. Scores: Hartford (The)’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: HIG daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
Quarter in detail
· FY2026 Q1
Macro signals
→Inflation→Oil Energy→Labor Market
The Hartford opened 2026 with core earnings of $866 million, or $3.09 per diluted share, and a trailing 12-month core earnings ROE of 20.3%. Business Insurance grew written premium 6% at an 89.2% underlying combined ratio, led by small business at 8% growth and an 89.4% underlying combined ratio, while Personal Insurance premium fell 6% on a 10% auto decline as competitors pushed rate decreases, even as its underlying combined ratio improved 4.7 points to 85%. Employee Benefits delivered a 6.9% core earnings margin with sales up 53%, helped by two new paid family and medical leave state programs coming online. Catastrophe losses of $230 million ran roughly $30 million above internal expectations, driven by winter storm freeze damage concentrated in small business, and management added $70 million to general liability reserves for 1970s and 1980s sexual abuse and molestation exposures. The Hartford gives no formal financial guidance; management reaffirmed its expense targets through 2027 and said it expects to sustain the quarter's $450 million pace of share repurchases in the second quarter.
Key themes
7
positive📊 company
Key financials
FY2026 Q1 selectedReported GAAP figures from SEC filings
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Quarter
Revenue
Rev YoY
EPS
EPS YoY
Net margin
FY2024 Q4
$6.88B
+7.5%
$2.88
+16.6%
12.4%
FY2025 Q1
$6.81B
+6.1%
$2.15
-13.0%
9.3%
FY2025 Q2
$6.99B
+7.7%
$3.44
+41.0%
14.2%
FY2025 Q3
$7.23B
+7.1%
$3.77
+47.3%
14.9%
FY2025 Q4
$7.34B
+6.7%
$3.98
+38.2%
15.4%
FY2026 Q1Selected
$7.23B
+6.1%
$3.04
+41.4%
11.8%
FY2026 Q2
$7.26B
+8.1%
$4.68
+36.0%
17.9%
As stated by management
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
EPS
“core earnings of $866 million”
Revenue
“Business Insurance delivered strong written premium growth of 6%”
Guidance
“we expect to remain at that level of repurchases in the second quarter”
Key metric
“outstanding core earnings ROE of 20.3% over the trailing 12 months”
company-level, not the selected quarter
GAAP revenue YoY +6.11% → base 6. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
▸How this score was built
Base6Base 6GAAP revenue YoY +6.11% → base 6. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.+Transcript0Transcript 0GAAP revenue is clean for HIG, earned premiums plus net investment income tracks underlying business performance. No Tier 1 or Tier 2 distortion.+EPS0EPS 0P&C Insurance, Underwriting-focused sector rule. GAAP EPS YoY +40.93% vs rev YoY 6.11%, spread +34.82 percentage points. operating income YoY +35.0%, operating income spread +28.89 percentage points, both outside +5 percentage points, same direction. However, the +40.93% growth is overwhelmingly driven by favorable cat comparison: Q1 2025 had $467M cats ($325M LA wildfires) vs Q1 2026 $230M (winter storms). The ~$237M pre-tax cat difference (~$187M after-tax, ~$0.67/share) represents most of the EPS gain. Normalizing for similar cats, core EPS growth is approximately +8.8% vs rev 6.11% = spread +2.7 percentage points, inside ±5 percentage points. Per sector rule: GAAP EPS structurally meaningless for P&C insurers with cat swings. Override to 0. EPS adjustment = 0.+Guidance0Guidance 0HIG does not provide formal forward financial guidance (no EPS or revenue range). Qualitative commentary only: disciplined growth, maintain margins, expect 2026 similar to 2025 with modest headwinds.=Final6
How this score was built
Base6Base 6GAAP revenue YoY +6.11% → base 6. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.+Transcript0Transcript 0GAAP revenue is clean for HIG, earned premiums plus net investment income tracks underlying business performance. No Tier 1 or Tier 2 distortion.+
145.68
122.36
7
7
6
Oct 25Oct 26
Strong Execution Drives 20.3% Trailing ROE
Core earnings of $866 million or $3.09 per diluted share with outstanding trailing 12-month core earnings ROE of 20.3%. Results reflect continued momentum and disciplined execution across all business segments.
MarginCapital Allocation
positive📊 company
Small Business Franchise Continues Market Share Gains
Small business written premium growth of 8% with underlying combined ratio of 89.4%. Expanding ecosystem across size, risk, product and segment dimensions. GL pricing accelerated in the quarter. E&S binding flow remains strong.
Revenue GrowthCompetitive DynamicsPricing
positive📊 company
Employee Benefits Sales Surge 53% On Execution
Fully insured premium grew 3% with sales growth of 53% driven by double-digit quote activity increase, strong sales management, technology investments and 2 new PFML state programs. Persistency remained strong in low 90s.
Revenue GrowthSubscriber GrowthInnovation & R&D
mixed📊 company
Personal Insurance Direct Growth Challenged By Competition
Personal Insurance written premium declined 6% with auto down 10% though underlying combined ratio improved 4.7 points to 85%. Competitors aggressively positioning rate decreases and marketing. Agency grew 9% and now in 15 states.
Competitive DynamicsMarginRevenue Growth
negative📊 company
Winter Storm Cat Losses Elevated But Manageable
P&C catastrophe losses of $230 million primarily from winter storms. Small business freeze losses of $73 million compared with $8 million prior year. Losses about $30 million above internal expectations.
Cost PressureMacroeconomic
negative📊 company
GL Legacy Sexual Abuse Reserve Charge
General liability reserves increased $70 million for sexual abuse and molestation exposures from 1970s and 1980s including a provision for settlement in one bankruptcy proceeding involving a religious institution.
GL pricing rose to 9.7% up 50 basis points, excess and umbrella in low double digits, commercial auto stable at low double digits. Property moderating but 60% of book in small and middle where pricing mid-single digits and stable.
could you talk a little bit about the resilience of pricing there? Is this a line of business that could hold rate increases, maybe a little bit of deceleration, but maybe it holds in for the long ...
Could you just talk about maybe some of the short-term disability trends and how you're thinking about the disability loss ratio throughout the rest of the year
how you expect The Hartford to perform beyond just a couple of quarters with the rollout of prevail and how the -- considering how competitive the marketplace is
How is the loss emergence in GL tracking versus your original expectations? And does what you're seeing today reinforce your confidence in current casualty loss picks
how the [ cats ] in the quarter compare to your own internal expectations? Any updated thoughts on how you're thinking about diversification into property
do you expect that to continue now with the Strait of Hormuz situation? And on the one hand, maybe you have better frequency coming out of lower gasoline prices
Is there a risk that The Hartford negotiating power with intermediaries in small commercial would diminish if larger brokers are able to use AI to move down market
EPS 0P&C Insurance, Underwriting-focused sector rule. GAAP EPS YoY +40.93% vs rev YoY 6.11%, spread +34.82 percentage points. operating income YoY +35.0%, operating income spread +28.89 percentage points, both outside +5 percentage points, same direction. However, the +40.93% growth is overwhelmingly driven by favorable cat comparison: Q1 2025 had $467M cats ($325M LA wildfires) vs Q1 2026 $230M (winter storms). The ~$237M pre-tax cat difference (~$187M after-tax, ~$0.67/share) represents most of the EPS gain. Normalizing for similar cats, core EPS growth is approximately +8.8% vs rev 6.11% = spread +2.7 percentage points, inside ±5 percentage points. Per sector rule: GAAP EPS structurally meaningless for P&C insurers with cat swings. Override to 0. EPS adjustment = 0.
+
Guidance0Guidance 0HIG does not provide formal forward financial guidance (no EPS or revenue range). Qualitative commentary only: disciplined growth, maintain margins, expect 2026 similar to 2025 with modest headwinds.
Arch Capital opened 2026 with operating EPS of $2.50 and a 15.4% annualized return on equity as an increasingly competitive market drove Insurance gross premiums written up only 2% and Reinsurance down 2.3%
Berkshire's first-quarter 2026 operating earnings rose to 11,346 from 9,641 a year earlier, up 17.68% year over year, driven by a rebound in insurance underwriting and higher earnings across most operating units
HIGHartford (The)
Score 6Rev YoY +6.1%Trend
The Hartford opened 2026 with core earnings of $866 million, or $3.09 per diluted share, and a trailing 12-month core earnings ROE of 20.3%
Arch Capital opened 2026 with operating EPS of $2.50 and a 15.4% annualized return on equity as an increasingly competitive market drove Insurance gross premiums written up only 2% and Reinsurance down 2.3%
Berkshire's first-quarter 2026 operating earnings rose to 11,346 from 9,641 a year earlier, up 17.68% year over year, driven by a rebound in insurance underwriting and higher earnings across most operating units