AEG vs. HIG: Aegon vs. Hartford Insurance Stock Comparison
How do Aegon (AEG) 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
Aegon (AEG) and Hartford Insurance (HIG) both belong to the Insurance industry, though AEG is classified under Life & Health Insurance while HIG falls under Multi-line Insurance.
Hartford Insurance (HIG) trades as ordinary local shares, while Aegon (AEG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | AEG | HIG |
|---|---|---|
| Name | Aegon Ltd. New York Registry Shares | The Hartford Insurance Group, Inc. |
| Country/Region | Netherlands | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Life & Health Insurance | Multi-line Insurance |
| Market Capitalization | 12.09 billion USD | 35.83 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 28, 1985 | December 15, 1995 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AEG | HIG |
|---|---|---|
| Total Return (1Y) | 19.25% | 5.95% |
| Total Return (3Y, Annualized) | 26.15% | 24.69% |
| Total Return (5Y, Annualized) | 17.53% | 15.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AEG | HIG |
|---|---|---|
| Volatility (1Y, Annualized) | 24.91% | 20.18% |
| Beta (5Y) | 0.85 | 0.46 |
| Max Drawdown (5Y) | -36.55% | -18.63% |
| Avg. Volume (3M) | 5.27M | 1.65M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AEG | HIG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.60 | 0.08 |
| Sortino Ratio (1Y) | 0.84 | 0.12 |
Profitability
ROE (TTM)
Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while Aegon (AEG) at 11.07% is closer to the peer norm — stronger capital efficiency for HIG.
AEG
Insurance industry group
11.07%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- AEG
- 11.07%
- 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)
Both Aegon (AEG) at 8.62% and Hartford Insurance (HIG) at 15.58% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AEG
Insurance industry group
8.62%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- AEG
- 8.62%
- 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 Aegon (AEG) 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 | AEG | HIG |
|---|---|---|
| ROE (TTM) | 11.07% | 23.25% |
| ROA (TTM) | 0.10% | 4.09% |
| Net Margin (TTM) | 8.62% | 15.58% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Aegon (AEG) at 37.63% sits in the top revenue growth quartile, while Hartford Insurance (HIG) at 6.39% is closer to the peer norm — faster top-line expansion for AEG.
EPS Growth
Aegon (AEG) at 59.46% sits in the top EPS growth quartile, while Hartford Insurance (HIG) at 28.70% is closer to the peer norm — faster per-share earnings growth for AEG.
Growth Metrics
| Metric | AEG | HIG |
|---|---|---|
| Revenue Growth (YoY) | 37.63% | 6.39% |
| Revenue Growth (3Y CAGR) | -- | 8.70% |
| EPS Growth (YoY) | 59.46% | 28.70% |
| EPS Growth (3Y CAGR) | -- | 34.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Aegon (AEG) 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: Aegon (AEG) 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 | AEG | HIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Aegon (AEG) at 4.96% delivers top-quartile income for its industry, while Hartford Insurance (HIG) at 1.75% pays a more typical yield — both are credible income propositions, AEG the richer one.
AEG
Insurance industry group
4.96%
- Max
- 5.12%
- AEG
- 4.96%
- Q3
- 2.15%
- Median
- 0.98%
- 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)
Hartford Insurance (HIG) at 15.48% pays out a band-typical share of earnings, while Aegon (AEG) at 61.52% distributes more than its industry norm — less retained, thinner cover.
AEG
Insurance industry group
61.52%
- Max
- 76.67%
- AEG
- 61.52%
- Q3
- 35.18%
- Median
- 14.74%
- 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 | AEG | HIG |
|---|---|---|
| Dividend Yield (TTM) | 4.96% | 1.75% |
| Dividend Payout Ratio (TTM) | 61.52% | 15.48% |
Valuation
P/E Ratio (TTM)
Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while Aegon (AEG) at 12.03 is closer to its industry’s usual earnings multiple — a discount for HIG, though growth and earnings durability still matter.
AEG
Insurance industry group
12.03
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- AEG
- 12.03
- Q1
- 9.08
- 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 Aegon (AEG) at 1.04 and Hartford Insurance (HIG) at 1.21 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
AEG
Insurance industry group
1.04
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- AEG
- 1.04
- 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 Aegon (AEG) at 1.23 and Hartford Insurance (HIG) at 1.94 are valued close to their industries’ norm against book — neither stands out from peers.
AEG
Insurance industry group
1.23
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- AEG
- 1.23
- 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 | AEG | HIG |
|---|---|---|
| P/E Ratio (TTM) | 12.03 | 8.97 |
| P/S Ratio (TTM) | 1.04 | 1.21 |
| P/B Ratio (MRQ) | 1.23 | 1.94 |
| Free Cash Flow Yield (TTM) | -- | -- |