AON vs. HIG: Aon vs. Hartford Insurance Stock Comparison
How do Aon (AON) 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
Aon (AON) and Hartford Insurance (HIG) both belong to the Insurance industry, though AON is classified under Insurance Brokers while HIG falls under Multi-line Insurance.
| Profile Item | AON | HIG |
|---|---|---|
| Name | Aon plc Class A | The Hartford Insurance Group, Inc. |
| Country/Region | Ireland | 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 | 71.03 billion USD | 35.83 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 2, 1980 | December 15, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AON | HIG |
|---|---|---|
| Total Return (1Y) | -1.97% | 5.95% |
| Total Return (3Y, Annualized) | 1.25% | 24.69% |
| Total Return (5Y, Annualized) | 3.28% | 15.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AON | HIG |
|---|---|---|
| Volatility (1Y, Annualized) | 29.20% | 20.18% |
| Beta (5Y) | 0.60 | 0.46 |
| Max Drawdown (5Y) | -33.57% | -18.63% |
| Avg. Volume (3M) | 1.64M | 1.65M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AON | HIG |
|---|---|---|
| Sharpe Ratio (1Y) | -0.21 | 0.08 |
| Sortino Ratio (1Y) | -0.29 | 0.12 |
Profitability
ROE (TTM)
Both companies show strong equity returns, but Aon (AON) at 43.38% is the standout with ROE above its industry range; Hartford Insurance (HIG) at 23.25% also sits in the top quartile.
AON
Insurance industry group
43.38%
- AON
- 43.38%
- Max
- 41.68%
- 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)
Aon (AON) at 22.24% retains a top-quartile share of revenue as profit, ahead of Hartford Insurance (HIG) at 15.58%, which keeps about the industry-typical share.
AON
Insurance industry group
22.24%
- Max
- 29.92%
- AON
- 22.24%
- Q3
- 17.03%
- 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 Aon (AON) 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 | AON | HIG |
|---|---|---|
| ROE (TTM) | 43.38% | 23.25% |
| ROA (TTM) | 5.45% | 4.09% |
| Net Margin (TTM) | 22.24% | 15.58% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Aon (AON) at 9.45% 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 Aon (AON) at 36.27% 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 | AON | HIG |
|---|---|---|
| Revenue Growth (YoY) | 9.45% | 6.39% |
| Revenue Growth (3Y CAGR) | 11.25% | 8.70% |
| EPS Growth (YoY) | 36.27% | 28.70% |
| EPS Growth (3Y CAGR) | 11.92% | 34.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Aon (AON) 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: Aon (AON) 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 | AON | HIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Aon (AON) at 0.91% and Hartford Insurance (HIG) at 1.75% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
AON
Insurance industry group
0.91%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- AON
- 0.91%
- 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 Aon (AON) at 17.13% 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.
AON
Insurance industry group
17.13%
- Max
- 76.67%
- Q3
- 35.18%
- AON
- 17.13%
- 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 | AON | HIG |
|---|---|---|
| Dividend Yield (TTM) | 0.91% | 1.75% |
| Dividend Payout Ratio (TTM) | 17.13% | 15.48% |
Valuation
P/E Ratio (TTM)
Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while Aon (AON) at 18.33 is closer to its industry’s usual earnings multiple — a discount for HIG, though growth and earnings durability still matter.
AON
Insurance industry group
18.33
- Max
- 28.37
- Q3
- 18.75
- AON
- 18.33
- 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 is priced about in line with its industry on P/S ratio, while Aon (AON) at 4.02 sits in the pricier quartile — AON costs more per dollar of sales.
AON
Insurance industry group
4.02
- Max
- 4.03
- AON
- 4.02
- 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 sits near its industry’s typical P/B ratio, while Aon (AON) at 7.03 prices above its benchmark range — AON looks rich relative to book.
AON
Insurance industry group
7.03
- AON
- 7.03
- Max
- 5.07
- 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 | AON | HIG |
|---|---|---|
| P/E Ratio (TTM) | 18.33 | 8.97 |
| P/S Ratio (TTM) | 4.02 | 1.21 |
| P/B Ratio (MRQ) | 7.03 | 1.94 |
| Free Cash Flow Yield (TTM) | -- | -- |