BRO vs. HIG: Brown & Brown vs. Hartford Insurance Stock Comparison
How do Brown & Brown (BRO) 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
Brown & Brown (BRO) and Hartford Insurance (HIG) both belong to the Insurance industry, though BRO is classified under Insurance Brokers while HIG falls under Multi-line Insurance.
| Profile Item | BRO | HIG |
|---|---|---|
| Name | Brown & Brown 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 | Insurance Brokers | Multi-line Insurance |
| Market Capitalization | 23.92 billion USD | 35.83 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 11, 1981 | December 15, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BRO | HIG |
|---|---|---|
| Total Return (1Y) | -8.59% | 5.95% |
| Total Return (3Y, Annualized) | 0.40% | 24.69% |
| Total Return (5Y, Annualized) | 3.19% | 15.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BRO | HIG |
|---|---|---|
| Volatility (1Y, Annualized) | 32.50% | 20.18% |
| Beta (5Y) | 0.51 | 0.46 |
| Max Drawdown (5Y) | -55.85% | -18.63% |
| Avg. Volume (3M) | 2.25M | 1.65M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BRO | HIG |
|---|---|---|
| Sharpe Ratio (1Y) | -0.40 | 0.08 |
| Sortino Ratio (1Y) | -0.57 | 0.12 |
Profitability
ROE (TTM)
Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while Brown & Brown (BRO) at 9.80% is closer to the peer norm — stronger capital efficiency for HIG.
BRO
Insurance industry group
9.80%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- BRO
- 9.80%
- 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)
Brown & Brown (BRO) at 17.88% retains a top-quartile share of revenue as profit, ahead of Hartford Insurance (HIG) at 15.58%, which keeps about the industry-typical share.
BRO
Insurance industry group
17.88%
- Max
- 29.92%
- BRO
- 17.88%
- 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 Brown & Brown (BRO) 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 | BRO | HIG |
|---|---|---|
| ROE (TTM) | 9.80% | 23.25% |
| ROA (TTM) | 3.89% | 4.09% |
| Net Margin (TTM) | 17.88% | 15.58% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Brown & Brown (BRO) at 22.49% sits in the top revenue growth quartile, while Hartford Insurance (HIG) at 6.39% is closer to the peer norm — faster top-line expansion for BRO.
EPS Growth
Both Brown & Brown (BRO) at -8.67% 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 | BRO | HIG |
|---|---|---|
| Revenue Growth (YoY) | 22.49% | 6.39% |
| Revenue Growth (3Y CAGR) | 17.38% | 8.70% |
| EPS Growth (YoY) | -8.67% | 28.70% |
| EPS Growth (3Y CAGR) | 10.06% | 34.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Brown & Brown (BRO) 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: Brown & Brown (BRO) 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 | BRO | HIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Brown & Brown (BRO) at 0.89% and Hartford Insurance (HIG) at 1.75% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
BRO
Insurance industry group
0.89%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- BRO
- 0.89%
- 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 Brown & Brown (BRO) at 20.89% 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.
BRO
Insurance industry group
20.89%
- Max
- 76.67%
- Q3
- 35.18%
- BRO
- 20.89%
- 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 | BRO | HIG |
|---|---|---|
| Dividend Yield (TTM) | 0.89% | 1.75% |
| Dividend Payout Ratio (TTM) | 20.89% | 15.48% |
Valuation
P/E Ratio (TTM)
Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while Brown & Brown (BRO) at 22.82 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
BRO
Insurance industry group
22.82
- Max
- 28.37
- BRO
- 22.82
- 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 is priced about in line with its industry on P/S ratio, while Brown & Brown (BRO) at 3.51 sits in the pricier quartile — BRO costs more per dollar of sales.
BRO
Insurance industry group
3.51
- Max
- 4.03
- BRO
- 3.51
- 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)
On P/B ratio, both Brown & Brown (BRO) at 1.87 and Hartford Insurance (HIG) at 1.94 are valued close to their industries’ norm against book — neither stands out from peers.
BRO
Insurance industry group
1.87
- Max
- 5.07
- Q3
- 2.79
- BRO
- 1.87
- 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 | BRO | HIG |
|---|---|---|
| P/E Ratio (TTM) | 22.82 | 8.97 |
| P/S Ratio (TTM) | 3.51 | 1.21 |
| P/B Ratio (MRQ) | 1.87 | 1.94 |
| Free Cash Flow Yield (TTM) | -- | -- |