The Hartford reported its financial results for the third quarter ended Sept. 30, 2025, posting net income available to common stockholders of $1.1 billion, a 41% increase from $761 million in the same period last year.
Core earnings also reached $1.1 billion, up 43% from $752 million in the third quarter of 2024.
The company’s net income return on equity for the trailing 12 months was 20.3%, while core earnings return on equity stood at 18.4%. Property & casualty (P&C) written premiums rose 7% in the quarter, with business insurance premiums growing by 9%.
The business insurance segment recorded a combined ratio of 88.8 and an underlying combined ratio of 89.4 for the quarter. Personal insurance posted a combined ratio of 88.7 and an underlying combined ratio of 90.0. P&C current accident year catastrophe losses were $70 million before tax, down from $247 million before tax in the third quarter of 2024.
The employee benefits segment reported a net income margin of 8.1% and a core earnings margin of 8.3%. The Hartford returned $547 million to stockholders in the third quarter, including $400 million in share repurchases.
Earlier in the year, the company reported Q2 net income of $850 million, up from $671 million in the prior-year quarter, and core earnings of $860 million, compared to $675 million in Q2 2024.
“The Hartford delivered outstanding third quarter results, generating record core earnings of $1.1 billion and a trailing 12-month core earnings ROE of 18.4 percent,” said Christopher Swift (pictured above), The Hartford’s chairman and CEO. “These results highlight the strength of The Hartford’s franchise, effectiveness of our strategy and ability to deliver differentiated solutions for customers.”
Swift also said, “As we enter the final quarter of 2025, our financial strength, disciplined execution, and investments to advance innovation continue to position The Hartford to deliver strong results. In a dynamic market, these advantages reinforce our competitive standing and ability to generate superior returns for shareholders.”
Recently, The Hartford also expanded its cyber insurance coverage for small businesses, introducing enhancements to address evolving cyber risks. The updated product includes broader coverage options and additional services to help small business clients manage and mitigate cyber threats.
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