ACGL vs. HIG: Arch Capital vs. Hartford Insurance Stock Comparison
How do Arch Capital (ACGL) and Hartford Insurance (HIG) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Arch Capital (ACGL) and Hartford Insurance (HIG) both belong to the Insurance industry, though ACGL is classified under Property & Casualty Insurance while HIG falls under Multi-line Insurance.
| Profile Item | ACGL | HIG |
|---|---|---|
| Name | Arch Capital Group Ltd. | The Hartford Insurance Group, Inc. |
| Country/Region | Bermuda | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Multi-line Insurance |
| Market Capitalization | 34.92 billion USD | 35.83 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | September 14, 1995 | December 15, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ACGL | HIG |
|---|---|---|
| Total Return (1Y) | 19.55% | 5.95% |
| Total Return (3Y, Annualized) | 9.97% | 24.69% |
| Total Return (5Y, Annualized) | 21.79% | 15.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ACGL | HIG |
|---|---|---|
| Volatility (1Y, Annualized) | 21.17% | 20.18% |
| Beta (5Y) | 0.22 | 0.46 |
| Max Drawdown (5Y) | -22.43% | -18.63% |
| Avg. Volume (3M) | 2.86M | 1.65M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ACGL | HIG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.72 | 0.08 |
| Sortino Ratio (1Y) | 1.03 | 0.12 |
Profitability
ROE (TTM)
Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while Arch Capital (ACGL) at 18.74% is closer to the peer norm — stronger capital efficiency for HIG.
ACGL
Insurance industry group
18.74%
- Max
- 41.68%
- Q3
- 22.04%
- ACGL
- 18.74%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
HIG
Insurance industry group
23.25%
- Max
- 41.68%
- HIG
- 23.25%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Arch Capital (ACGL) at 23.31% retains a top-quartile share of revenue as profit, ahead of Hartford Insurance (HIG) at 15.58%, which keeps about the industry-typical share.
ACGL
Insurance industry group
23.31%
- Max
- 29.92%
- ACGL
- 23.31%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
HIG
Insurance industry group
15.58%
- Max
- 29.92%
- Q3
- 17.03%
- HIG
- 15.58%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Arch Capital (ACGL) in Insurance and Hartford Insurance (HIG) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ACGL | HIG |
|---|---|---|
| ROE (TTM) | 18.74% | 23.25% |
| ROA (TTM) | 3.90% | 4.09% |
| Net Margin (TTM) | 23.31% | 15.58% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Arch Capital (ACGL) at 13.96% and Hartford Insurance (HIG) at 6.39% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Arch Capital (ACGL) at 3.66% and Hartford Insurance (HIG) at 28.70% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | ACGL | HIG |
|---|---|---|
| Revenue Growth (YoY) | 13.96% | 6.39% |
| Revenue Growth (3Y CAGR) | 26.14% | 8.70% |
| EPS Growth (YoY) | 3.66% | 28.70% |
| EPS Growth (3Y CAGR) | 45.06% | 34.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Arch Capital (ACGL) in Insurance and Hartford Insurance (HIG) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Arch Capital (ACGL) in Insurance and Hartford Insurance (HIG) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | ACGL | HIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Arch Capital (ACGL) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Hartford Insurance (HIG) reports a yield of 1.75%, ranking against industry peers normally.
ACGL
Insurance industry group
0.00%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- ACGL
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
HIG
Insurance industry group
1.75%
- Max
- 5.12%
- Q3
- 2.15%
- HIG
- 1.75%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Arch Capital (ACGL) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Hartford Insurance (HIG) reports a payout of 15.48%, ranking against industry peers normally.
ACGL
Insurance industry group
0.00%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- ACGL
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
HIG
Insurance industry group
15.48%
- Max
- 76.67%
- Q3
- 35.18%
- HIG
- 15.48%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ACGL | HIG |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.75% |
| Dividend Payout Ratio (TTM) | 0.00% | 15.48% |
Valuation
P/E Ratio (TTM)
Both Arch Capital (ACGL) at 8.77 and Hartford Insurance (HIG) at 8.97 sit in the cheaper earnings-multiple quartile for P/E ratio, with the market paying less for a dollar of trailing earnings than it pays for typical peers.
ACGL
Insurance industry group
8.77
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- ACGL
- 8.77
- Min
- 2.32
HIG
Insurance industry group
8.97
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- HIG
- 8.97
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Arch Capital (ACGL) at 1.86 and Hartford Insurance (HIG) at 1.21 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
ACGL
Insurance industry group
1.86
- Max
- 4.03
- Q3
- 2.25
- ACGL
- 1.86
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
HIG
Insurance industry group
1.21
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- HIG
- 1.21
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Arch Capital (ACGL) at 1.57 and Hartford Insurance (HIG) at 1.94 are valued close to their industries’ norm against book — neither stands out from peers.
ACGL
Insurance industry group
1.57
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- ACGL
- 1.57
- Q1
- 1.23
- Min
- 0.30
HIG
Insurance industry group
1.94
- Max
- 5.07
- Q3
- 2.79
- HIG
- 1.94
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | ACGL | HIG |
|---|---|---|
| P/E Ratio (TTM) | 8.77 | 8.97 |
| P/S Ratio (TTM) | 1.86 | 1.21 |
| P/B Ratio (MRQ) | 1.57 | 1.94 |
| Free Cash Flow Yield (TTM) | -- | -- |