cash flow reconciliationreview2021-12-31
Operating, investing and financing flows differ from the reported change in cash by 58000000, beyond tolerance 40930000.00.
Revenue
$28.37B
Fiscal year ended 2025-12-31Net income
$3.84B
Fiscal year ended 2025-12-31Total assets
$86.03B
Fiscal year ended 2025-12-31HARTFORD INSURANCE GROUP, INC. (HIG) reported revenue of $28.37B and net income of $3.84B for the fiscal year ended 2025-12-31. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from HARTFORD INSURANCE GROUP, INC.’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Fire, Marine & Casualty Insurance.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $28.37B | $26.54B | $24.53B | $22.36B | $22.39B | $20.52B | $20.74B | $18.96B | $17.16B | $16.29B |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $3.84B | $3.11B | $2.50B | $1.82B | $2.37B | $1.74B | $2.08B | $1.81B | -$3.13B | $896.00M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 286.50M | shares 298.60M | shares 311.50M | shares 329.50M | shares 354.10M | shares 360.60M | shares 364.90M | shares 364.10M | shares 363.70M | shares 394.80M |
| Pretax income | $4.76B | $3.85B | $3.09B | $2.26B | $2.90B | $2.12B | $2.56B | $1.75B | $723.00M | $447.00M |
| Income tax expense | $924.00M | $738.00M | $584.00M | $443.00M | $534.00M | $383.00M | $475.00M | $268.00M | $985.00M | -$166.00M |
| Diluted EPS | $13.32 | $10.35 | $7.97 | $5.46 | $6.64 | $4.76 | $5.66 | $4.95 | $-8.61 | $2.27 |
| Selling, general & administrative | $5.58B | $5.26B | $4.88B | $4.84B | $4.79B | $4.48B | $4.58B | $4.28B | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total assets | $86.03B | $80.92B | $76.78B | $73.01B | $76.58B | $74.11B | $70.82B | $62.31B | $225.26B | $224.58B |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $67.05B | $64.47B | $61.45B | $59.33B | $58.74B | $55.56B | $54.55B | $49.21B | $211.77B | $207.67B |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $18.98B | $16.45B | $15.33B | $13.68B | $17.80B | $18.56B | $16.27B | $13.10B | $13.49B | $16.90B |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $1.64B | $1.91B | $1.91B | $1.91B | $1.91B | $1.91B | $1.91B | $1.29B | $1.29B | $567.00M |
| Long-term debt | $4.37B | $4.37B | $4.36B | $4.36B | $4.94B | $4.35B | $4.35B | $4.26B | $4.68B | $4.49B |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $5.92B | $5.91B | $4.22B | $4.01B | $4.09B | $3.87B | $3.49B | $2.84B | $2.19B | $2.07B |
| Capital expenditures | $169.00M | $145.00M | $215.00M | $175.00M | $133.00M | $114.00M | $105.00M | $122.00M | $250.00M | $224.00M |
| Investing cash flow | -$3.76B | -$3.77B | -$2.43B | -$1.28B | -$2.47B | -$2.07B | -$2.15B | -$1.96B | -$1.44B | $949.00M |
| Financing cash flow | -$2.24B | -$2.08B | -$1.95B | -$2.71B | -$1.58B | -$1.78B | -$1.19B | -$1.47B | -$979.00M | -$2.54B |
| Net change in cash | -$57.00M | $45.00M | -$155.00M | $7.00M | $98.00M | -$23.00M | $141.00M | -$59.00M | -$148.00M | $185.00M |
| Stock-based compensation | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Common dividends paid | $592.00M | $556.00M | $528.00M | $506.00M | $485.00M | $457.00M | $433.00M | $379.00M | $341.00M | $334.00M |
| Common share repurchases | $1.62B | $1.51B | $1.40B | $1.55B | $1.70B | $150.00M | $200.00M | $0 | $1.03B | $1.33B |
| Depreciation & amortization | $187.00M | $177.00M | $204.00M | $213.00M | $282.00M | $271.00M | $283.00M | $232.00M | $197.00M | $186.00M |
Derived
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | $5.75B | $5.76B | $4.00B | $3.83B | $3.96B | $3.76B | $3.38B | $2.72B | $1.94B | $1.84B |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | 20.3% | 21.7% | 16.3% | 17.1% | 17.7% | 18.3% | 16.3% | 14.4% | 11.3% | 11.3% |
| SBC / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | 6.9% | 8.2% | 9.7% | -0.1% | 9.1% | -1.0% | 9.4% | 10.4% | 5.3% | Unavailable |
| Net margin | 13.5% | 11.7% | 10.2% | 8.1% | 10.6% | 8.5% | 10.1% | 9.5% | -18.2% | 5.5% |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | 0.6% | 0.5% | 0.9% | 0.8% | 0.6% | 0.6% | 0.5% | 0.6% | 1.5% | 1.4% |
| Long-term debt / equity | 0.23x | 0.27x | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 19.4% | 19.2% | 18.9% | 19.6% | 18.4% | 18.1% | 18.6% | 15.3% | 136.2% | -37.1% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open HIG in the interactive workspace to inspect any figure back to its filing.
Source filings
10-Q · Filed 2026-07-23View SEC filing
10-Q · Filed 2026-04-23View SEC filing
10-K · Filed 2026-02-20View SEC filing
10-Q · Filed 2025-10-27View SEC filing
10-Q · Filed 2025-07-28View SEC filing
10-Q · Filed 2025-04-24View SEC filing
Reconciliation checks needing review
4 periods on this page do not reconcile under this site’s normalization. Read that as a limitation here before an observation about the company: the figures are the filer’s own, the filings linked above are authoritative, and a difference usually means the concepts this site selected do not match how this filer presents its statements. Nothing is adjusted to make a check pass.
cash flow reconciliationreview2020-12-31
Operating, investing and financing flows differ from the reported change in cash by 58000000, beyond tolerance 38710000.00.
cash flow reconciliationreview2018-12-31
Operating, investing and financing flows differ from the reported change in cash by 537000000, beyond tolerance 28430000.00.
cash flow reconciliationreview2016-12-31
Operating, investing and financing flows differ from the reported change in cash by 249000000, beyond tolerance 25410000.00.