The Hartford (HIG) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

The Hartford (HIG) reported $4.79 billion in revenue for the quarter ended December 2024, representing a year-over-year increase of 11.1%. EPS of $2.94 for the same period compares to $3.06 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $4.77 billion, representing a surprise of +0.41%. The company delivered an EPS surprise of +10.11%, with the consensus EPS estimate being $2.67.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how The Hartford performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Personal line - Loss and loss adjustment expense ratio: 59.3% versus the six-analyst average estimate of 73%. Commercial line - Expense ratio: 30.8% compared to the 30.4% average estimate based on six analysts. Commercial Lines - Underlying combined ratio: 86.7% versus 87.3% estimated by six analysts on average. Commercial line - Combined ratio: 87.4% compared to the 89.4% average estimate based on six analysts. Net premiums earned: $5.81 billion versus the seven-analyst average estimate of $5.85 billion. The reported number represents a year-over-year change of +6.9%. Earned Premium- Commercial Line: $3.30 billion compared to the $3.33 billion average estimate based on six analysts. The reported number represents a change of +8.7% year over year. Earned Premium- Personal Lines: $906 million compared to the $889.07 million average estimate based on six analysts. The reported number represents a change of +12.7% year over year. Total Property & Casualty- Earned Premium: $4.21 billion compared to the $4.22 billion average estimate based on six analysts. The reported number represents a change of +9.6% year over year. Fee income- Commercial Line: $10 million versus $10.88 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a 0% change. Revenue- Fee income- Group benefits: $56 million compared to the $56.63 million average estimate based on six analysts. The reported number represents a change of 0% year over year. Revenue- Earned premiums- Group benefits: $1.60 billion versus $1.63 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +0.6% change. Fee income- Personal Lines: $9 million compared to the $8.16 million average estimate based on six analysts. The reported number represents a change of +12.5% year over year. View all Key Company Metrics for The Hartford here>>>Shares of The Hartford have returned +3.8% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the #1 favorite stock to gain +100% or more in 2024. While not all picks can be winners, previous recommendations have soared +143.0%, +175.9%, +498.3% and +673.0%.Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor.Today, See These 5 Potential Home Runs >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report The Hartford Financial Services Group, Inc. (HIG): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks