AFG vs. HIG: American Financial vs. Hartford Insurance Stock Comparison

Company Profile

American Financial (AFG) and Hartford Insurance (HIG) both belong to the Insurance industry, though AFG is classified under Property & Casualty Insurance while HIG falls under Multi-line Insurance.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while American Financial (AFG) at 21.57% is closer to the peer norm — stronger capital efficiency for HIG.

Both American Financial (AFG) at 12.28% 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.

Neither side reports a meaningful operating margin: for American Financial (AFG) 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

Growth

Hartford Insurance (HIG) at 6.39% is around its peer norm for revenue growth, while American Financial (AFG) at -1.93% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both American Financial (AFG) at -4.57% 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

Financial Strength

current ratio doesn’t apply on either side: American Financial (AFG) 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-to-equity ratio is set aside for both: American Financial (AFG) 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

Dividends

American Financial (AFG) at 2.31% delivers top-quartile income for its industry, while Hartford Insurance (HIG) at 1.75% pays a more typical yield — both are credible income propositions, AFG the richer one.

Both American Financial (AFG) at 28.71% and Hartford Insurance (HIG) at 15.48% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while American Financial (AFG) at 12.61 is closer to its industry’s usual earnings multiple — a discount for HIG, though growth and earnings durability still matter.

On P/S ratio, both American Financial (AFG) at 1.54 and Hartford Insurance (HIG) at 1.21 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

On P/B ratio, both American Financial (AFG) at 2.71 and Hartford Insurance (HIG) at 1.94 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics