Subtext

The Hartford Insurance Group, Inc. HIG

SectorFinancials
Transcripts70
Date range2008-01-25 – 2025-04-25
Calls charted70

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-21-10+0+10+212007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q4 · Overall: -1.82008 Q1 · Overall: -3.12008 Q2 · Overall: -6.02008 Q3 · Overall: -15.52008 Q4 · Overall: -11.42009 Q1 · Overall: -4.82009 Q2 · Overall: -0.12009 Q3 · Overall: +4.32009 Q4 · Overall: +3.02010 Q1 · Overall: +5.52010 Q2 · Overall: -2.82010 Q3 · Overall: +3.82010 Q4 · Overall: +6.72011 Q1 · Overall: +3.32011 Q2 · Overall: +10.32011 Q3 · Overall: +2.82011 Q4 · Overall: +3.72012 Q1 · Overall: +13.62012 Q2 · Overall: +2.72012 Q3 · Overall: +1.52012 Q4 · Overall: +9.12013 Q1 · Overall: +18.22013 Q2 · Overall: +9.82013 Q3 · Overall: +5.32013 Q4 · Overall: +7.82014 Q1 · Overall: +6.32014 Q2 · Overall: +8.62014 Q3 · Overall: +10.92014 Q4 · Overall: +9.32015 Q1 · Overall: +9.92015 Q2 · Overall: +16.12015 Q3 · Overall: -3.62015 Q4 · Overall: +5.22016 Q1 · Overall: -8.12016 Q2 · Overall: -10.82016 Q3 · Overall: +8.72016 Q4 · Overall: -0.52017 Q1 · Overall: +4.92017 Q2 · Overall: +5.12017 Q3 · Overall: +3.42017 Q4 · Overall: +11.22018 Q1 · Overall: +10.52018 Q2 · Overall: +5.62018 Q3 · Overall: -1.42018 Q4 · Overall: +4.62019 Q1 · Overall: +6.62019 Q2 · Overall: -1.02019 Q3 · Overall: +8.72019 Q4 · Overall: +3.42020 Q1 · Overall: -10.12020 Q2 · Overall: -5.42020 Q3 · Overall: +0.52020 Q4 · Overall: +4.22021 Q1 · Overall: +6.82021 Q2 · Overall: +4.82021 Q3 · Overall: +6.22021 Q4 · Overall: +5.72022 Q1 · Overall: +1.12022 Q2 · Overall: +3.62022 Q3 · Overall: -0.52022 Q4 · Overall: +7.92023 Q1 · Overall: +4.92023 Q2 · Overall: +7.02023 Q3 · Overall: +6.12023 Q4 · Overall: +14.12024 Q1 · Overall: -2.22024 Q2 · Overall: +9.12024 Q3 · Overall: +8.72024 Q4 · Overall: +4.72025 Q1 · Overall: +14.1
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-55-28+0+28+552007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q4 · CEO: -11.22008 Q1 · CEO: +3.42008 Q2 · CEO: +1.52008 Q3 · CEO: -17.02008 Q4 · CEO: -2.52009 Q1 · CEO: -6.52009 Q2 · CEO: +4.42009 Q3 · CEO: +31.32009 Q4 · CEO: +18.92010 Q1 · CEO: +28.52010 Q2 · CEO: +9.02010 Q3 · CEO: +21.32010 Q4 · CEO: +13.32011 Q1 · CEO: +14.52011 Q2 · CEO: +14.52011 Q3 · CEO: +17.42011 Q4 · CEO: +14.62012 Q1 · CEO: +34.62012 Q2 · CEO: +15.32012 Q3 · CEO: +13.32012 Q4 · CEO: +19.32013 Q1 · CEO: +48.22013 Q2 · CEO: +30.02013 Q3 · CEO: +26.02013 Q4 · CEO: +15.82014 Q1 · CEO: +31.62014 Q2 · CEO: +23.82014 Q3 · CEO: +25.62014 Q4 · CEO: +15.62015 Q1 · CEO: +24.62015 Q2 · CEO: +26.32015 Q3 · CEO: +4.92015 Q4 · CEO: +14.02016 Q1 · CEO: -6.22016 Q2 · CEO: -6.92016 Q3 · CEO: +27.52016 Q4 · CEO: +8.82017 Q1 · CEO: +13.02017 Q2 · CEO: +16.82017 Q4 · CEO: +20.22018 Q1 · CEO: +23.02018 Q2 · CEO: +26.12018 Q3 · CEO: +16.42018 Q4 · CEO: +8.32019 Q1 · CEO: +19.72019 Q2 · CEO: +0.92019 Q3 · CEO: +14.52019 Q4 · CEO: +13.22020 Q1 · CEO: -10.02020 Q2 · CEO: -13.32020 Q4 · CEO: +3.42021 Q2 · CEO: +0.72021 Q3 · CEO: +4.92021 Q4 · CEO: +23.12022 Q1 · CEO: +9.22022 Q2 · CEO: +16.52022 Q3 · CEO: +13.42022 Q4 · CEO: +20.72023 Q1 · CEO: +15.62023 Q2 · CEO: +11.62023 Q3 · CEO: +16.32023 Q4 · CEO: +23.52024 Q2 · CEO: +17.52024 Q3 · CEO: +20.72024 Q4 · CEO: +17.92025 Q1 · CEO: +20.92007 Q4 · CFO: -7.82008 Q1 · CFO: -7.92008 Q2 · CFO: -14.12008 Q3 · CFO: -11.82008 Q4 · CFO: -3.42009 Q1 · CFO: +2.12009 Q2 · CFO: -8.02009 Q3 · CFO: +3.32009 Q4 · CFO: +4.52010 Q1 · CFO: +6.22010 Q2 · CFO: -1.32010 Q3 · CFO: +3.82010 Q4 · CFO: +11.12011 Q1 · CFO: +4.62011 Q2 · CFO: +15.22011 Q3 · CFO: +1.22011 Q4 · CFO: +1.72012 Q1 · CFO: +5.62012 Q2 · CFO: -1.22012 Q3 · CFO: +0.02012 Q4 · CFO: +3.72013 Q1 · CFO: +11.02013 Q2 · CFO: -2.42013 Q3 · CFO: +3.02013 Q4 · CFO: +5.32014 Q1 · CFO: +1.72014 Q2 · CFO: -3.32014 Q3 · CFO: +12.32014 Q4 · CFO: +14.22015 Q1 · CFO: +14.82015 Q2 · CFO: +16.12015 Q3 · CFO: -3.12015 Q4 · CFO: +7.02016 Q1 · CFO: -3.92016 Q2 · CFO: -13.42016 Q3 · CFO: +7.42016 Q4 · CFO: -4.52017 Q1 · CFO: +5.62017 Q2 · CFO: +5.12017 Q4 · CFO: +13.52018 Q1 · CFO: +13.02018 Q2 · CFO: +4.82018 Q3 · CFO: -3.52018 Q4 · CFO: +0.02019 Q1 · CFO: +1.62019 Q2 · CFO: +0.72019 Q3 · CFO: +2.22019 Q4 · CFO: +3.12020 Q1 · CFO: -12.32020 Q2 · CFO: -10.22020 Q4 · CFO: +2.52021 Q2 · CFO: +16.92021 Q3 · CFO: +3.42021 Q4 · CFO: -9.62022 Q1 · CFO: -7.12022 Q2 · CFO: -5.42022 Q3 · CFO: -13.42022 Q4 · CFO: -12.82023 Q1 · CFO: +0.62023 Q2 · CFO: +4.82023 Q3 · CFO: +0.52023 Q4 · CFO: +11.52024 Q2 · CFO: +17.82024 Q3 · CFO: +4.62024 Q4 · CFO: -4.42025 Q1 · CFO: +10.4
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-40-20+0+20+402007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32007 Q4 · Prepared remarks: +4.52008 Q1 · Prepared remarks: +4.42008 Q2 · Prepared remarks: -4.22008 Q3 · Prepared remarks: -19.22008 Q4 · Prepared remarks: -15.52009 Q1 · Prepared remarks: -9.62009 Q2 · Prepared remarks: -0.22009 Q3 · Prepared remarks: +18.82009 Q4 · Prepared remarks: +15.82010 Q1 · Prepared remarks: +19.32010 Q2 · Prepared remarks: +9.72010 Q3 · Prepared remarks: +13.62010 Q4 · Prepared remarks: +14.02011 Q1 · Prepared remarks: +8.62011 Q2 · Prepared remarks: +16.02011 Q3 · Prepared remarks: +9.02011 Q4 · Prepared remarks: +8.82012 Q1 · Prepared remarks: +21.82012 Q2 · Prepared remarks: +4.62012 Q3 · Prepared remarks: +4.92012 Q4 · Prepared remarks: +16.02013 Q1 · Prepared remarks: +26.82013 Q2 · Prepared remarks: +15.92013 Q3 · Prepared remarks: +15.62013 Q4 · Prepared remarks: +20.12014 Q1 · Prepared remarks: +16.12014 Q2 · Prepared remarks: +19.62014 Q3 · Prepared remarks: +17.12014 Q4 · Prepared remarks: +21.82015 Q1 · Prepared remarks: +19.62015 Q2 · Prepared remarks: +22.12015 Q3 · Prepared remarks: -0.52015 Q4 · Prepared remarks: +11.32016 Q1 · Prepared remarks: -3.12016 Q2 · Prepared remarks: -9.82016 Q3 · Prepared remarks: +15.22016 Q4 · Prepared remarks: +5.82017 Q1 · Prepared remarks: +9.82017 Q2 · Prepared remarks: +15.12017 Q3 · Prepared remarks: +27.42017 Q4 · Prepared remarks: +16.82018 Q1 · Prepared remarks: +19.02018 Q2 · Prepared remarks: +11.22018 Q3 · Prepared remarks: +8.12018 Q4 · Prepared remarks: +9.72019 Q1 · Prepared remarks: +14.72019 Q2 · Prepared remarks: +7.42019 Q3 · Prepared remarks: +13.02019 Q4 · Prepared remarks: +14.82020 Q1 · Prepared remarks: -8.42020 Q2 · Prepared remarks: -3.82020 Q3 · Prepared remarks: +20.52020 Q4 · Prepared remarks: +11.42021 Q1 · Prepared remarks: +34.52021 Q2 · Prepared remarks: +20.12021 Q3 · Prepared remarks: +12.92021 Q4 · Prepared remarks: +9.12022 Q1 · Prepared remarks: +10.02022 Q2 · Prepared remarks: +16.02022 Q3 · Prepared remarks: +9.62022 Q4 · Prepared remarks: +14.32023 Q1 · Prepared remarks: +8.02023 Q2 · Prepared remarks: +18.72023 Q3 · Prepared remarks: +25.42023 Q4 · Prepared remarks: +23.72024 Q1 · Prepared remarks: +26.12024 Q2 · Prepared remarks: +31.52024 Q3 · Prepared remarks: +21.32024 Q4 · Prepared remarks: +21.72025 Q1 · Prepared remarks: +25.12007 Q4 · Q&A responses: -7.12008 Q1 · Q&A responses: -2.72008 Q2 · Q&A responses: -4.42008 Q3 · Q&A responses: -11.52008 Q4 · Q&A responses: -2.92009 Q1 · Q&A responses: +2.62009 Q2 · Q&A responses: +7.32009 Q3 · Q&A responses: -8.32009 Q4 · Q&A responses: +3.42010 Q1 · Q&A responses: +0.72010 Q2 · Q&A responses: -10.72010 Q3 · Q&A responses: -5.32010 Q4 · Q&A responses: +2.92011 Q1 · Q&A responses: -1.52011 Q2 · Q&A responses: +11.72011 Q3 · Q&A responses: +2.92011 Q4 · Q&A responses: +2.42012 Q1 · Q&A responses: +8.62012 Q2 · Q&A responses: +7.12012 Q3 · Q&A responses: +2.12012 Q4 · Q&A responses: +4.52013 Q1 · Q&A responses: +14.62013 Q2 · Q&A responses: +5.42013 Q3 · Q&A responses: -1.02013 Q4 · Q&A responses: -1.82014 Q1 · Q&A responses: +1.32014 Q2 · Q&A responses: -0.32014 Q3 · Q&A responses: +12.22014 Q4 · Q&A responses: +0.32015 Q1 · Q&A responses: +12.02015 Q2 · Q&A responses: +15.62015 Q3 · Q&A responses: -1.62015 Q4 · Q&A responses: +4.42016 Q1 · Q&A responses: -9.12016 Q2 · Q&A responses: -9.12016 Q3 · Q&A responses: +5.32016 Q4 · Q&A responses: -1.82017 Q1 · Q&A responses: +6.62017 Q2 · Q&A responses: +4.12017 Q3 · Q&A responses: +7.12017 Q4 · Q&A responses: +9.62018 Q1 · Q&A responses: +12.02018 Q2 · Q&A responses: +4.12018 Q3 · Q&A responses: -2.02018 Q4 · Q&A responses: +3.92019 Q1 · Q&A responses: +6.92019 Q2 · Q&A responses: -4.92019 Q3 · Q&A responses: +7.32019 Q4 · Q&A responses: +2.22020 Q1 · Q&A responses: -7.82020 Q2 · Q&A responses: -6.32020 Q3 · Q&A responses: +9.12020 Q4 · Q&A responses: +3.82021 Q1 · Q&A responses: -0.32021 Q2 · Q&A responses: +3.92021 Q3 · Q&A responses: +5.72021 Q4 · Q&A responses: +4.92022 Q1 · Q&A responses: -0.92022 Q2 · Q&A responses: -0.82022 Q3 · Q&A responses: -3.22022 Q4 · Q&A responses: +6.02023 Q1 · Q&A responses: +10.22023 Q2 · Q&A responses: +3.62023 Q3 · Q&A responses: -0.22023 Q4 · Q&A responses: +11.02024 Q1 · Q&A responses: -1.52024 Q2 · Q&A responses: +1.82024 Q3 · Q&A responses: +8.82024 Q4 · Q&A responses: -2.22025 Q1 · Q&A responses: +14.7
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$2.97$7.61$12.252007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32014 Q1: $3.682014 Q2: $3.652014 Q3: $3.612014 Q4: $3.772015 Q1: $3.872015 Q2: $3.992015 Q3: $4.152015 Q4: $3.972016 Q1: $4.132016 Q2: $4.152016 Q3: $3.882016 Q4: $4.062017 Q1: $4.222017 Q2: $4.382017 Q3: $4.502017 Q4: $3.862018 Q1: $4.502018 Q2: $4.792018 Q3: $4.922018 Q4: $4.972019 Q1: $5.072019 Q2: $5.322019 Q3: $5.442019 Q4: $5.522020 Q1: $5.472020 Q2: $4.912020 Q3: $5.142020 Q4: $5.452021 Q1: $5.602021 Q2: $5.742021 Q3: $6.632021 Q4: $7.032022 Q1: $7.082022 Q2: $7.542022 Q3: $8.062022 Q4: $8.472023 Q1: $8.762023 Q2: $8.922023 Q3: $9.162023 Q4: $9.832024 Q1: $10.412024 Q2: $10.702024 Q3: $11.232024 Q4: $11.61

Forward P/E

4.039.6015.162007 Q42010 Q12012 Q22014 Q32016 Q42019 Q12021 Q22023 Q32014 Q1: 9.462014 Q2: 9.852014 Q3: 10.402014 Q4: 10.862015 Q1: 11.082015 Q2: 10.492015 Q3: 11.212015 Q4: 11.232016 Q1: 10.922016 Q2: 10.442016 Q3: 10.782016 Q4: 11.792017 Q1: 11.822017 Q2: 11.852017 Q3: 11.902017 Q4: 14.392018 Q1: 11.972018 Q2: 11.102018 Q3: 10.282018 Q4: 8.592019 Q1: 9.592019 Q2: 10.402019 Q3: 11.182019 Q4: 11.032020 Q1: 4.802020 Q2: 8.372020 Q3: 7.422020 Q4: 8.492021 Q1: 10.252021 Q2: 11.252021 Q3: 10.622021 Q4: 9.672022 Q1: 9.852022 Q2: 8.882022 Q3: 8.142022 Q4: 8.882023 Q1: 7.462023 Q2: 7.922023 Q3: 7.882023 Q4: 8.212024 Q1: 9.552024 Q2: 9.582024 Q3: 10.392024 Q4: 9.22

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2014 Q3 tone ↑ +2.3 fwd EPS ↓ -0.04 Tone rose while the forward EPS estimate was cut.
  • 2015 Q3 tone ↓ -19.7 fwd EPS ↑ +0.16 Tone cooled even as the forward EPS estimate rose.
  • 2015 Q4 tone ↑ +8.8 fwd EPS ↓ -0.18 Tone rose while the forward EPS estimate was cut.
  • 2016 Q1 tone ↓ -13.3 fwd EPS ↑ +0.16 Tone cooled even as the forward EPS estimate rose.
  • 2016 Q3 tone ↑ +19.4 fwd EPS ↓ -0.27 Tone rose while the forward EPS estimate was cut.
  • 2016 Q4 tone ↓ -9.1 fwd EPS ↑ +0.18 Tone cooled even as the forward EPS estimate rose.
  • 2017 Q4 tone ↑ +7.8 fwd EPS ↓ -0.64 Tone rose while the forward EPS estimate was cut.
  • 2018 Q2 tone ↓ -4.9 fwd EPS ↑ +0.29 Tone cooled even as the forward EPS estimate rose.
  • 2018 Q3 tone ↓ -7.0 fwd EPS ↑ +0.14 Tone cooled even as the forward EPS estimate rose.
  • 2019 Q2 tone ↓ -7.6 fwd EPS ↑ +0.25 Tone cooled even as the forward EPS estimate rose.
  • 2019 Q4 tone ↓ -5.4 fwd EPS ↑ +0.08 Tone cooled even as the forward EPS estimate rose.
  • 2020 Q2 tone ↑ +4.7 fwd EPS ↓ -0.57 Tone rose while the forward EPS estimate was cut.
  • 2022 Q3 tone ↓ -4.1 fwd EPS ↑ +0.52 Tone cooled even as the forward EPS estimate rose.
  • 2023 Q1 tone ↓ -3.0 fwd EPS ↑ +0.29 Tone cooled even as the forward EPS estimate rose.
  • 2024 Q1 tone ↓ -16.3 fwd EPS ↑ +0.58 Tone cooled even as the forward EPS estimate rose.
  • 2024 Q4 tone ↓ -4.0 fwd EPS ↑ +0.38 Tone cooled even as the forward EPS estimate rose.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q12025-04-25+14.1——View →
2024 Q42025-01-31+4.7$11.619.2View →
2024 Q32024-10-25+8.7$11.2310.4View →
2024 Q22024-07-26+9.1$10.709.6View →
2024 Q12024-04-26-2.2$10.419.6View →
2023 Q42024-02-02+14.1$9.838.2View →
2023 Q32023-10-27+6.1$9.167.9View →
2023 Q22023-07-28+7.0$8.927.9View →