EG vs. HIG: Everest vs. Hartford Insurance Stock Comparison
How do Everest (EG) 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
Everest (EG) and Hartford Insurance (HIG) both belong to the Insurance industry, though EG is classified under Reinsurance while HIG falls under Multi-line Insurance.
| Profile Item | EG | HIG |
|---|---|---|
| Name | Everest Group, Ltd. | The Hartford Insurance Group, Inc. |
| Country/Region | Bermuda | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Reinsurance | Multi-line Insurance |
| Market Capitalization | 15.23 billion USD | 35.83 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 3, 1995 | December 15, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | EG | HIG |
|---|---|---|
| Total Return (1Y) | 28.99% | 5.95% |
| Total Return (3Y, Annualized) | 4.67% | 24.69% |
| Total Return (5Y, Annualized) | 10.80% | 15.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | EG | HIG |
|---|---|---|
| Volatility (1Y, Annualized) | 21.71% | 20.18% |
| Beta (5Y) | 0.23 | 0.46 |
| Max Drawdown (5Y) | -23.84% | -18.63% |
| Avg. Volume (3M) | 382.05K | 1.65M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | EG | HIG |
|---|---|---|
| Sharpe Ratio (1Y) | 1.14 | 0.08 |
| Sortino Ratio (1Y) | 1.77 | 0.12 |
Profitability
ROE (TTM)
Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while Everest (EG) at 12.77% is closer to the peer norm — stronger capital efficiency for HIG.
EG
Insurance industry group
12.77%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- EG
- 12.77%
- 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 Everest (EG) at 11.68% 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.
EG
Insurance industry group
11.68%
- Max
- 29.92%
- Q3
- 17.03%
- EG
- 11.68%
- 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 Everest (EG) 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 | EG | HIG |
|---|---|---|
| ROE (TTM) | 12.77% | 23.25% |
| ROA (TTM) | 2.43% | 4.09% |
| Net Margin (TTM) | 11.68% | 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 Everest (EG) at 0.83% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Everest (EG) at 18.94% 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 | EG | HIG |
|---|---|---|
| Revenue Growth (YoY) | 0.83% | 6.39% |
| Revenue Growth (3Y CAGR) | 12.84% | 8.70% |
| EPS Growth (YoY) | 18.94% | 28.70% |
| EPS Growth (3Y CAGR) | 35.51% | 34.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Everest (EG) 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: Everest (EG) 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 | EG | HIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Everest (EG) at 1.91% and Hartford Insurance (HIG) at 1.75% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
EG
Insurance industry group
1.91%
- Max
- 5.12%
- Q3
- 2.15%
- EG
- 1.91%
- 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 Everest (EG) at 16.81% 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.
EG
Insurance industry group
16.81%
- Max
- 76.67%
- Q3
- 35.18%
- EG
- 16.81%
- 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 | EG | HIG |
|---|---|---|
| Dividend Yield (TTM) | 1.91% | 1.75% |
| Dividend Payout Ratio (TTM) | 16.81% | 15.48% |
Valuation
P/E Ratio (TTM)
Both Everest (EG) at 8.64 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.
EG
Insurance industry group
8.64
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- EG
- 8.64
- 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 Everest (EG) at 0.94 and Hartford Insurance (HIG) at 1.21 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
EG
Insurance industry group
0.94
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- EG
- 0.94
- 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)
Everest (EG) at 1.08 sits in the lower P/B ratio quartile against book while Hartford Insurance (HIG) at 1.94 is valued near its industry’s middle — EG is cheaper on assets, though weigh it against ROE and asset quality.
EG
Insurance industry group
1.08
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- EG
- 1.08
- 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 | EG | HIG |
|---|---|---|
| P/E Ratio (TTM) | 8.64 | 8.97 |
| P/S Ratio (TTM) | 0.94 | 1.21 |
| P/B Ratio (MRQ) | 1.08 | 1.94 |
| Free Cash Flow Yield (TTM) | -- | -- |