AJG vs. HIG: Arthur J. Gallagher vs. Hartford Insurance Stock Comparison
How do Arthur J. Gallagher (AJG) 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
Arthur J. Gallagher (AJG) and Hartford Insurance (HIG) both belong to the Insurance industry, though AJG is classified under Insurance Brokers while HIG falls under Multi-line Insurance.
| Profile Item | AJG | HIG |
|---|---|---|
| Name | Arthur J. Gallagher & Co. | 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 | Insurance Brokers | Multi-line Insurance |
| Market Capitalization | 72.21 billion USD | 35.83 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 20, 1984 | December 15, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AJG | HIG |
|---|---|---|
| Total Return (1Y) | 13.67% | 5.95% |
| Total Return (3Y, Annualized) | 5.42% | 24.69% |
| Total Return (5Y, Annualized) | 12.86% | 15.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AJG | HIG |
|---|---|---|
| Volatility (1Y, Annualized) | 32.13% | 20.18% |
| Beta (5Y) | 0.46 | 0.46 |
| Max Drawdown (5Y) | -44.40% | -18.63% |
| Avg. Volume (3M) | 1.52M | 1.65M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AJG | HIG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.29 | 0.08 |
| Sortino Ratio (1Y) | 0.43 | 0.12 |
Profitability
ROE (TTM)
Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while Arthur J. Gallagher (AJG) at 7.21% is in the bottom quartile, showing a clear gap in returns on equity.
AJG
Insurance industry group
7.21%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AJG
- 7.21%
- 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 Arthur J. Gallagher (AJG) at 10.78% 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.
AJG
Insurance industry group
10.78%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- AJG
- 10.78%
- 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 Arthur J. Gallagher (AJG) 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 | AJG | HIG |
|---|---|---|
| ROE (TTM) | 7.21% | 23.25% |
| ROA (TTM) | 2.57% | 4.09% |
| Net Margin (TTM) | 10.78% | 15.58% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Arthur J. Gallagher (AJG) at 20.66% 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 Arthur J. Gallagher (AJG) at -11.69% 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 | AJG | HIG |
|---|---|---|
| Revenue Growth (YoY) | 20.66% | 6.39% |
| Revenue Growth (3Y CAGR) | 17.70% | 8.70% |
| EPS Growth (YoY) | -11.69% | 28.70% |
| EPS Growth (3Y CAGR) | 3.41% | 34.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Arthur J. Gallagher (AJG) 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: Arthur J. Gallagher (AJG) 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 | AJG | HIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Arthur J. Gallagher (AJG) at 0.95% and Hartford Insurance (HIG) at 1.75% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
AJG
Insurance industry group
0.95%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- AJG
- 0.95%
- 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 Arthur J. Gallagher (AJG) at 41.98% distributes more than its industry norm — less retained, thinner cover.
AJG
Insurance industry group
41.98%
- Max
- 76.67%
- AJG
- 41.98%
- 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 | AJG | HIG |
|---|---|---|
| Dividend Yield (TTM) | 0.95% | 1.75% |
| Dividend Payout Ratio (TTM) | 41.98% | 15.48% |
Valuation
P/E Ratio (TTM)
Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while Arthur J. Gallagher (AJG) at 42.99 trades above its peer range — a wide earnings-valuation gap relative to industry peers.
AJG
Insurance industry group
42.99
- AJG
- 42.99
- Max
- 28.37
- Q3
- 18.75
- 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)
Hartford Insurance (HIG) at 1.21 prices around its industry’s typical P/S ratio, while Arthur J. Gallagher (AJG) at 4.58 clears its benchmark range — AJG looks notably rich on sales.
AJG
Insurance industry group
4.58
- AJG
- 4.58
- Max
- 4.03
- Q3
- 2.25
- 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)
Hartford Insurance (HIG) at 1.94 is valued about in line with its industry on P/B ratio, while Arthur J. Gallagher (AJG) at 3.00 carries an above-peer premium to book — AJG is pricier on assets.
AJG
Insurance industry group
3.00
- Max
- 5.07
- AJG
- 3.00
- Q3
- 2.79
- Median
- 1.76
- 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 | AJG | HIG |
|---|---|---|
| P/E Ratio (TTM) | 42.99 | 8.97 |
| P/S Ratio (TTM) | 4.58 | 1.21 |
| P/B Ratio (MRQ) | 3.00 | 1.94 |
| Free Cash Flow Yield (TTM) | -- | -- |