| HIG |
Report |
Core EPS |
BEAT |
pred ~$3.22 vs. cons $3.13 |
MEDIUM |
| HIG |
Report |
Business Insurance underlying combined ratio |
IN-LINE |
pred ~88.1% vs. cons 88.6% |
MEDIUM |
| HIG |
Report |
Personal Insurance combined ratio |
BEAT |
pred ~94.8% vs. cons 96.5% |
MEDIUM |
| HIG |
Guide |
Net investment income growth |
BETTER |
guide ~9.0% vs. cons 8.0% (FY2026) |
MEDIUM |
| HIG |
Guide |
Business Insurance expense ratio |
BETTER |
guide ~30.7% vs. cons 30.8% (FY2026) |
MEDIUM |
| HIG |
Guide |
Business Insurance renewal pricing excluding workers' compensation |
UNCHANGED |
guide ~5.5% vs. cons 5.5% (2H2026) |
MEDIUM |
| HIG |
Return |
Day-1 residual (stock − beta × S&P 500) |
+1.9% |
— |
MEDIUM |
| HIG |
Return |
5-day cumulative residual |
+0.7% (FADE) |
Day-5 residual ~+0.7% vs. day-1 residual +1.9%: favorable catastrophe experience and investment income support the initial beat, but slower commercial pricing and implicit 2027 core-EPS cuts from the Hartford Funds exclusion and stranded-cost assumptions limit estimate revisions and cause a partial fade. |
MEDIUM |