)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
The Hartford Insurance Group (HIG) investor relations material
The Hartford Insurance Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Achieved record core earnings of $1.1 billion ($3.78 per diluted share) and net income of $1.1 billion in Q3 2025, up 43% and 41% year-over-year, with a trailing twelve-month core earnings ROE of 18.4% and net income ROE of 20.3%, reflecting strong franchise performance and disciplined execution.
Returned $547 million to stockholders in Q3 2025 through $400 million in share repurchases and $147 million in dividends; announced a 15% increase in the quarterly common dividend to $0.60 per share, payable January 2026.
Book value per diluted share increased to $63.86, up 13–16% year-over-year, and book value per diluted share excluding AOCI rose to $70.92, up 12%.
Net investment income rose 15% year-over-year to $759 million, driven by higher returns from limited partnerships and reinvestment at higher rates.
Strategic investments in underwriting, technology, and digital platforms drove growth and efficiency, especially in small business and E&S lines.
Financial highlights
P&C net written premiums grew 7% year-over-year, with Business Insurance up 9% and Personal Insurance up 2%.
Business Insurance core earnings reached $723 million, with a combined ratio of 88.8 and underlying combined ratio of 89.4.
Personal Insurance core earnings were $143 million, with a combined ratio of 88.7 and underlying combined ratio of 90.0.
Net investment income reached $759 million, up from $659 million in Q3 2024.
P&C current accident year catastrophe losses were $70 million before tax, with $95 million in net favorable prior accident year development.
Outlook and guidance
Fourth quarter results are expected to be in a similar range to the third quarter, with continued focus on disciplined underwriting, pricing actions, and expense management to sustain profitability.
Business insurance property written premium is projected to reach $3.3 billion for the full year, with small business written premium expected to exceed $6 billion in 2025.
Prevail agency rollout in personal insurance is planned for 30 states by early 2027, supporting future growth.
Management expects annualized net investment income yield, excluding alternatives, to be slightly higher for full-year 2025 versus 2024.
Employee Benefits core earnings margin remains above long-term target, supported by favorable group life and disability trends.
Business Insurance workers' comp loss trend?
Personal Insurance pricing vs. loss trends?
Employee Benefits expense ratio drivers?
Explain BI underlying combined ratio drivers
Personal Auto growth strategy for 2026
Tech investment allocation and expected benefits
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next The Hartford Insurance Group earnings date
Goldman Sachs 2025 U.S. Financial Services Conference9 Dec, 2025
Next The Hartford Insurance Group earnings date
Goldman Sachs 2025 U.S. Financial Services Conference9 Dec, 2025
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage