ALL vs. HIG: Allstate vs. Hartford Insurance Stock Comparison
How do Allstate (ALL) 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
Allstate (ALL) and Hartford Insurance (HIG) both belong to the Insurance industry, though ALL is classified under Property & Casualty Insurance while HIG falls under Multi-line Insurance.
| Profile Item | ALL | HIG |
|---|---|---|
| Name | The Allstate Corporation | 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 | Property & Casualty Insurance | Multi-line Insurance |
| Market Capitalization | 63.05 billion USD | 35.83 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 3, 1993 | December 15, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ALL | HIG |
|---|---|---|
| Total Return (1Y) | 27.36% | 5.95% |
| Total Return (3Y, Annualized) | 27.71% | 24.69% |
| Total Return (5Y, Annualized) | 19.82% | 15.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ALL | HIG |
|---|---|---|
| Volatility (1Y, Annualized) | 25.96% | 20.18% |
| Beta (5Y) | 0.13 | 0.46 |
| Max Drawdown (5Y) | -27.35% | -18.63% |
| Avg. Volume (3M) | 1.91M | 1.65M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ALL | HIG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.89 | 0.08 |
| Sortino Ratio (1Y) | 1.28 | 0.12 |
Profitability
ROE (TTM)
Both Allstate (ALL) at 38.93% and Hartford Insurance (HIG) at 23.25% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
ALL
Insurance industry group
38.93%
- Max
- 41.68%
- ALL
- 38.93%
- Q3
- 22.04%
- 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)
Both Allstate (ALL) at 16.57% 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.
ALL
Insurance industry group
16.57%
- Max
- 29.92%
- Q3
- 17.03%
- ALL
- 16.57%
- 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 Allstate (ALL) 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 | ALL | HIG |
|---|---|---|
| ROE (TTM) | 38.93% | 23.25% |
| ROA (TTM) | 7.68% | 4.09% |
| Net Margin (TTM) | 16.57% | 15.58% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Allstate (ALL) at 5.60% 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
Allstate (ALL) at 124.01% 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 ALL.
Growth Metrics
| Metric | ALL | HIG |
|---|---|---|
| Revenue Growth (YoY) | 5.60% | 6.39% |
| Revenue Growth (3Y CAGR) | 9.84% | 8.70% |
| EPS Growth (YoY) | 124.01% | 28.70% |
| EPS Growth (3Y CAGR) | -- | 34.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Allstate (ALL) 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: Allstate (ALL) 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 | ALL | HIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Allstate (ALL) at 1.59% and Hartford Insurance (HIG) at 1.75% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
ALL
Insurance industry group
1.59%
- Max
- 5.12%
- Q3
- 2.15%
- ALL
- 1.59%
- 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 Allstate (ALL) at 9.62% 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.
ALL
Insurance industry group
9.62%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- ALL
- 9.62%
- 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 | ALL | HIG |
|---|---|---|
| Dividend Yield (TTM) | 1.59% | 1.75% |
| Dividend Payout Ratio (TTM) | 9.62% | 15.48% |
Valuation
P/E Ratio (TTM)
Both Allstate (ALL) at 5.78 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.
ALL
Insurance industry group
5.78
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- ALL
- 5.78
- 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 Allstate (ALL) at 0.90 and Hartford Insurance (HIG) at 1.21 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
ALL
Insurance industry group
0.90
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- ALL
- 0.90
- 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 Allstate (ALL) at 2.09 and Hartford Insurance (HIG) at 1.94 are valued close to their industries’ norm against book — neither stands out from peers.
ALL
Insurance industry group
2.09
- Max
- 5.07
- Q3
- 2.79
- ALL
- 2.09
- 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 | ALL | HIG |
|---|---|---|
| P/E Ratio (TTM) | 5.78 | 8.97 |
| P/S Ratio (TTM) | 0.90 | 1.21 |
| P/B Ratio (MRQ) | 2.09 | 1.94 |
| Free Cash Flow Yield (TTM) | -- | -- |