HIG vs. L: Hartford Insurance vs. Loews Stock Comparison
How do Hartford Insurance (HIG) and Loews (L) 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
Hartford Insurance (HIG) and Loews (L) both belong to the Insurance industry, though HIG is classified under Multi-line Insurance while L falls under Property & Casualty Insurance.
| Profile Item | HIG | L |
|---|---|---|
| Name | The Hartford Insurance Group, Inc. | Loews Corp. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Multi-line Insurance | Property & Casualty Insurance |
| Market Capitalization | 35.83 billion USD | 22.19 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 1995 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | HIG | L |
|---|---|---|
| Total Return (1Y) | 5.95% | 7.24% |
| Total Return (3Y, Annualized) | 24.69% | 19.27% |
| Total Return (5Y, Annualized) | 15.57% | 14.13% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | HIG | L |
|---|---|---|
| Volatility (1Y, Annualized) | 20.18% | 16.13% |
| Beta (5Y) | 0.46 | 0.49 |
| Max Drawdown (5Y) | -18.63% | -26.11% |
| Avg. Volume (3M) | 1.65M | 805.54K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | HIG | L |
|---|---|---|
| Sharpe Ratio (1Y) | 0.08 | 0.18 |
| Sortino Ratio (1Y) | 0.12 | 0.26 |
Profitability
ROE (TTM)
Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while Loews (L) at 8.21% is in the bottom quartile, showing a clear gap in returns on equity.
HIG
Insurance industry group
23.25%
- Max
- 41.68%
- HIG
- 23.25%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
L
Insurance industry group
8.21%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- L
- 8.21%
- Min
- -10.66%
Net Margin (TTM)
Both Hartford Insurance (HIG) at 15.58% and Loews (L) at 7.93% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
HIG
Insurance industry group
15.58%
- Max
- 29.92%
- Q3
- 17.03%
- HIG
- 15.58%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
L
Insurance industry group
7.93%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- L
- 7.93%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Hartford Insurance (HIG) in Insurance and Loews (L) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | HIG | L |
|---|---|---|
| ROE (TTM) | 23.25% | 8.21% |
| ROA (TTM) | 4.09% | 1.71% |
| Net Margin (TTM) | 15.58% | 7.93% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Hartford Insurance (HIG) at 6.39% and Loews (L) at 5.44% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Hartford Insurance (HIG) at 28.70% and Loews (L) at 24.34% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | HIG | L |
|---|---|---|
| Revenue Growth (YoY) | 6.39% | 5.44% |
| Revenue Growth (3Y CAGR) | 8.70% | 8.96% |
| EPS Growth (YoY) | 28.70% | 24.34% |
| EPS Growth (3Y CAGR) | 34.78% | 33.10% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Hartford Insurance (HIG) in Insurance and Loews (L) 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: Hartford Insurance (HIG) in Insurance and Loews (L) 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 | HIG | L |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Hartford Insurance (HIG) at 1.75% and Loews (L) at 0.23% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
HIG
Insurance industry group
1.75%
- Max
- 5.12%
- Q3
- 2.15%
- HIG
- 1.75%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
L
Insurance industry group
0.23%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- L
- 0.23%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Hartford Insurance (HIG) at 15.48% and Loews (L) at 3.46% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
HIG
Insurance industry group
15.48%
- Max
- 76.67%
- Q3
- 35.18%
- HIG
- 15.48%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
L
Insurance industry group
3.46%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- L
- 3.46%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | HIG | L |
|---|---|---|
| Dividend Yield (TTM) | 1.75% | 0.23% |
| Dividend Payout Ratio (TTM) | 15.48% | 3.46% |
Valuation
P/E Ratio (TTM)
Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while Loews (L) at 15.17 is closer to its industry’s usual earnings multiple — a discount for HIG, though growth and earnings durability still matter.
HIG
Insurance industry group
8.97
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- HIG
- 8.97
- Min
- 2.32
L
Insurance industry group
15.17
- Max
- 28.37
- Q3
- 18.75
- L
- 15.17
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Hartford Insurance (HIG) at 1.21 and Loews (L) at 1.18 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
HIG
Insurance industry group
1.21
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- HIG
- 1.21
- Q1
- 0.85
- Min
- 0.07
L
Insurance industry group
1.18
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- L
- 1.18
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Loews (L) at 1.22 sits in the lower P/B ratio quartile against book while Hartford Insurance (HIG) at 1.94 is valued near its industry’s middle — L is cheaper on assets, though weigh it against ROE and asset quality.
HIG
Insurance industry group
1.94
- Max
- 5.07
- Q3
- 2.79
- HIG
- 1.94
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
L
Insurance industry group
1.22
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- L
- 1.22
- Min
- 0.30
Valuation Metrics
| Metric | HIG | L |
|---|---|---|
| P/E Ratio (TTM) | 8.97 | 15.17 |
| P/S Ratio (TTM) | 1.21 | 1.18 |
| P/B Ratio (MRQ) | 1.94 | 1.22 |
| Free Cash Flow Yield (TTM) | -- | -- |