HARTFORD INSURANCE GROUP, INC. (HIG) closed fiscal year 2025 with a gross margin of 46.3 % and a net margin of 13.5 %.
HARTFORD INSURANCE GROUP, INC. (HIG) closed fiscal year 2025 with a gross margin of 46.3 % and a net margin of 13.5 %. The same year shows an EBIT margin of 17.5 %. The free cash flow margin was 20.3 %. Against the previous year the gross margin moved +2.3 pp and the net margin +1.8 pp. Across the period the gross margin ranges between 40.3 % in 2012 and 46.6 % in 2013. The series covers 18 fiscal years, from 2007 to 2025. Margins are expressed as a percentage of net revenue and are derived from the same figures as the income statement, taken from as-reported SEC EDGAR filings, with no restatements or adjustments of our own.
Fiscal year end: December
| 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross margin (%) | — | — | — | — | — | 40.26 % | 46.56 % | 41.95 % | 41.37 % | 40.72 % | 41.10 % | 44.69 % | 42.48 % | 43.19 % | 41.25 % | 41.95 % | 43.95 % | 46.28 % |
| EBITDA margin (%) | 18.52 % | -45.88 % | -5.15 % | 12.97 % | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| EBIT margin (%) | 15.45 % | -49.80 % | -7.07 % | 10.27 % | — | — | — | — | — | — | — | — | — | — | 11.07 % | 13.40 % | 15.26 % | 17.48 % |
| Net margin (%) | 11.38 % | -29.82 % | -3.63 % | 7.42 % | 3.28 % | -0.17 % | 0.85 % | 4.29 % | 9.15 % | -18.24 % | 9.53 % | 10.05 % | 8.46 % | 10.59 % | 8.13 % | 10.21 % | 11.72 % | 13.52 % |
| FCF margin (%) | — | — | — | — | — | 11.84 % | 5.67 % | 9.48 % | 13.33 % | 11.28 % | 14.36 % | 16.32 % | 18.31 % | 17.69 % | 17.14 % | 16.33 % | 21.72 % | 20.28 % |
