AIG vs. HIG: American International vs. Hartford Insurance Stock Comparison
How do American International (AIG) 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
American International (AIG) and Hartford Insurance (HIG) are both classified in the Multi-line Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.
| Profile Item | AIG | HIG |
|---|---|---|
| Name | American International Group, Inc. | The Hartford Insurance Group, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Multi-line Insurance | Multi-line Insurance |
| Market Capitalization | 40.31 billion USD | 35.83 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 2, 1973 | December 15, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AIG | HIG |
|---|---|---|
| Total Return (1Y) | 5.79% | 5.95% |
| Total Return (3Y, Annualized) | 10.55% | 24.69% |
| Total Return (5Y, Annualized) | 8.67% | 15.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AIG | HIG |
|---|---|---|
| Volatility (1Y, Annualized) | 23.72% | 20.18% |
| Beta (5Y) | 0.47 | 0.46 |
| Max Drawdown (5Y) | -26.45% | -18.63% |
| Avg. Volume (3M) | 4.14M | 1.65M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AIG | HIG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.06 | 0.08 |
| Sortino Ratio (1Y) | 0.09 | 0.12 |
Profitability
ROE (TTM)
Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while American International (AIG) at 8.23% is in the bottom quartile, showing a clear gap in returns on equity.
AIG
Insurance industry group
8.23%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AIG
- 8.23%
- 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 American International (AIG) at 11.84% 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.
AIG
Insurance industry group
11.84%
- Max
- 29.92%
- Q3
- 17.03%
- AIG
- 11.84%
- 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 American International (AIG) 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 | AIG | HIG |
|---|---|---|
| ROE (TTM) | 8.23% | 23.25% |
| ROA (TTM) | 1.95% | 4.09% |
| Net Margin (TTM) | 11.84% | 15.58% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Hartford Insurance (HIG) at 6.39% is around its peer norm for revenue growth, while American International (AIG) at -1.82% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Only one side can be read here: Hartford Insurance (HIG) reports EPS growth of 28.70%, ranked against its industry; American International (AIG) has no EPS growth figure this period.
Growth Metrics
| Metric | AIG | HIG |
|---|---|---|
| Revenue Growth (YoY) | -1.82% | 6.39% |
| Revenue Growth (3Y CAGR) | -3.69% | 8.70% |
| EPS Growth (YoY) | -- | 28.70% |
| EPS Growth (3Y CAGR) | -25.13% | 34.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American International (AIG) 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: American International (AIG) 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 | AIG | HIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
American International (AIG) at 2.35% delivers top-quartile income for its industry, while Hartford Insurance (HIG) at 1.75% pays a more typical yield — both are credible income propositions, AIG the richer one.
AIG
Insurance industry group
2.35%
- Max
- 5.12%
- AIG
- 2.35%
- 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)
Both American International (AIG) at 31.00% 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.
AIG
Insurance industry group
31.00%
- Max
- 76.67%
- Q3
- 35.18%
- AIG
- 31.00%
- 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 | AIG | HIG |
|---|---|---|
| Dividend Yield (TTM) | 2.35% | 1.75% |
| Dividend Payout Ratio (TTM) | 31.00% | 15.48% |
Valuation
P/E Ratio (TTM)
Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while American International (AIG) at 12.68 is closer to its industry’s usual earnings multiple — a discount for HIG, though growth and earnings durability still matter.
AIG
Insurance industry group
12.68
- Max
- 28.37
- Q3
- 18.75
- AIG
- 12.68
- Median
- 12.23
- 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 American International (AIG) at 1.45 and Hartford Insurance (HIG) at 1.21 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
AIG
Insurance industry group
1.45
- Max
- 4.03
- Q3
- 2.25
- AIG
- 1.45
- 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)
American International (AIG) at 1.04 sits in the lower P/B ratio quartile against book while Hartford Insurance (HIG) at 1.94 is valued near its industry’s middle — AIG is cheaper on assets, though weigh it against ROE and asset quality.
AIG
Insurance industry group
1.04
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- AIG
- 1.04
- 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 | AIG | HIG |
|---|---|---|
| P/E Ratio (TTM) | 12.68 | 8.97 |
| P/S Ratio (TTM) | 1.45 | 1.21 |
| P/B Ratio (MRQ) | 1.04 | 1.94 |
| Free Cash Flow Yield (TTM) | -- | -- |