The Hartford
-0.52 %
1.73 %
Yet to be announced
Company Overview
The Hartford Financial Services Group, Inc. provides insurance and financial services to individual and business customers in the United States, the UK, and internationally. Its Commercial Lines segment offers workers' compensation, property, automobile, liability, umbrella, bond, marine, livestock, and reinsurance. Its Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through direct-to-consumer channel and independent agents. Its Property & Casualty Other Operations segment offers coverage for asbestos and environmental exposures.
Revenue Sources
FailBased on the analysis of The Hartford's revenue streams, its primary income sources come from insurance premiums and investment activities. Insurance operations, which involve risk pooling and protection, are considered halal as they provide a legitimate service and involve mutual risk-sharing. However, a significant portion of the company's business model relies on investing insurance premiums in interest-bearing securities, which would constitute a non-compliant source of revenue.
Reliance on Interest
| Reporting Date | Total Revenue | Total Expense | Interest Income | Interest Expense | Interest Income Ratio | Interest Expense Ratio |
|---|---|---|---|---|---|---|
| June 30, 2025 | $6.99b | $5.74b | - | $50.0m | 0.00% | 0.87% |
| March 31, 2025 | $6.81b | $6.03b | - | $50.0m | 0.00% | 0.83% |
| Dec. 31, 2024 | $6.88b | $5.8b | - | $50.0m | 0.00% | 0.86% |
| Sept. 30, 2024 | $6.75b | $5.8b | - | $49.0m | 0.00% | 0.84% |
Examining the last four quarters, The Hartford shows consistent interest expenses ranging from $49-50 million per quarter. When compared to total expenses, the interest expense ratios remain material to the company's operations. Additionally, the company's investment portfolio heavily relies on interest-bearing securities, which is fundamental to their business model as an insurance company.
Operational Ethics
PassBased on available information from SEC filings and company reports, there is no evidence of significant ongoing associations with entities involved in human rights violations. The company's operations are primarily focused in North America and do not show material ties to problematic regimes.
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