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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
The Hartford
The Hartford (HIG) investor relations material
The Hartford Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
Q3 net income available to common stockholders rose 23% YoY to $1.317B, or $4.82 per diluted share; core earnings fell 6% to $956M, or $3.50 per diluted share.
Trailing 12-month core earnings ROE was 17.9%; disciplined underwriting supported Business Insurance growth and improving Personal Insurance underlying results.
Investment income increased 13% to $850M, while higher catastrophe losses, lower Personal Insurance premiums and higher Employee Benefits claims weighed on operating results.
Financial highlights
Q3 revenue was $7.220B, up 4% YoY; continuing net income increased 24% to $1.262B.
Net investment income was $850M, up 13% YoY, driven by limited partnership income and higher invested assets; net realized losses were $116M versus $17M.
Net favorable prior-year development was $594M before tax, including a $497M A&E cover commutation gain excluded from core earnings; core favorable development was $97M.
P&C current-year catastrophe losses were $198M before tax, versus $70M in Q3 2025.
Outlook and guidance
Strategic priorities remain focused on profitable growth, disciplined underwriting and investment in technology, data, AI and customer-focused risk insights.
2026 net investment income is expected to increase YoY, supported by higher invested assets and yields; results remain subject to market variability.
Employee Benefits remains a 6%-7% core margin business long term; the Equitable acquisition is expected to be modestly dilutive in 2027, excluding amortization, then improve as it integrates and scales.
Equitable integration costs are expected at $30-$40M and excluded from core; annual intangible amortization of ~$30M will be included in core earnings.
Management viewed 2026 workers' compensation frequency as a step change and did not expect another year of elevated frequency in 2027, while noting uncertainty.
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Latest events from The Hartford
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Next The Hartford earnings date
Q4 202629 Jan, 2027
The Hartford
Next The Hartford earnings date
Q4 202629 Jan, 2027
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Frequently asked questions
Over 200 Years of Insurance
Hartford Financial Services Group, Inc., most commonly referred to as The Hartford is a prominent investment and insurance company. Founded in 1810, it is one of the oldest and largest property and insurance companies in the United States. The Hartford offers a broad range of financial products and services, which includes property and casualty insurance, group benefits, and mutual funds. The company also offers popular business and workers' compensation insurance. The Hartford is closely associated with Hartford, Connecticut, where the headquarters are located, and its shares are listed on the NYSE.
Fire Insurance and Abraham Lincoln
The Hartford, a United States-based investment and insurance company, has a rich history dating back to its founding in 1810. Originally established as a fire and disaster insurance provider, the company managed to survive some of the largest peacetime catastrophes in U.S history, including the fire in the New York financial district in 1835, as well as the great Chicago Fire, and the 1906 earthquake and subsequent fires that struck San Francisco. An interesting piece of The Hartford's long history issuance of a policy to President Abraham Lincoln in 1861, marking the first use of Hartford's iconic stag logo. The logo, depicting a male deer standing in front of a stream is a motive still in use by the company. The company has managed to survive and grow into the modern era while expanding its services far beyond just fire insurance.
Insurance
The company offers a wide array of insurance products for both personal and commercial clients. For individual customers, its portfolio includes auto and homeowners insurance, which protects against things such as accidents, theft, and natural disasters. It also offers life insurance and disability coverage, ensuring financial security for families in unexpected circumstances. For businesses, the portfolio of services includes commercial insurance options like general liability, workers' compensation, and commercial property insurance. The Hartford’s insurance offerings directly compete with what is offered by companies such as Allstate Corporation, Chubb, MetLife, and similar corporations.
Mutual Funds
The Hartford's mutual funds segment offers a range of investment options to both individual and institutional investors. These funds encompass various asset classes, including stocks, bonds, and money market instruments, catering to different risk tolerances and investment goals. The company's mutual fund offerings are designed to suit various investment strategies, from conservative to aggressive, ensuring that all potential investors will find a fund that suits their own personal finance goals.