HIG vs. MRSH: Hartford Insurance vs. Marsh & McLennan Stock Comparison
How do Hartford Insurance (HIG) and Marsh & McLennan (MRSH) 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 Marsh & McLennan (MRSH) both belong to the Insurance industry, though HIG is classified under Multi-line Insurance while MRSH falls under Insurance Brokers.
| Profile Item | HIG | MRSH |
|---|---|---|
| Name | The Hartford Insurance Group, Inc. | Marsh & McLennan Companies, Inc. |
| 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 | Insurance Brokers |
| Market Capitalization | 35.83 billion USD | 97.39 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 1995 | February 21, 1973 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | HIG | MRSH |
|---|---|---|
| Total Return (1Y) | 5.95% | 16.87% |
| Total Return (3Y, Annualized) | 24.69% | 3.11% |
| Total Return (5Y, Annualized) | 15.57% | 6.23% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | HIG | MRSH |
|---|---|---|
| Volatility (1Y, Annualized) | 20.18% | 26.15% |
| Beta (5Y) | 0.46 | 0.51 |
| Max Drawdown (5Y) | -18.63% | -34.36% |
| Avg. Volume (3M) | 1.65M | 2.43M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | HIG | MRSH |
|---|---|---|
| Sharpe Ratio (1Y) | 0.08 | 0.48 |
| Sortino Ratio (1Y) | 0.12 | 0.74 |
Profitability
ROE (TTM)
Both Hartford Insurance (HIG) at 23.25% and Marsh & McLennan (MRSH) at 27.24% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
HIG
Insurance industry group
23.25%
- Max
- 41.68%
- HIG
- 23.25%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
MRSH
Insurance industry group
27.24%
- Max
- 41.68%
- MRSH
- 27.24%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both Hartford Insurance (HIG) at 15.58% and Marsh & McLennan (MRSH) at 14.20% 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%
MRSH
Insurance industry group
14.20%
- Max
- 29.92%
- Q3
- 17.03%
- MRSH
- 14.20%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Hartford Insurance (HIG) in Insurance and Marsh & McLennan (MRSH) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | HIG | MRSH |
|---|---|---|
| ROE (TTM) | 23.25% | 27.24% |
| ROA (TTM) | 4.09% | 7.35% |
| Net Margin (TTM) | 15.58% | 14.20% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Hartford Insurance (HIG) at 6.39% and Marsh & McLennan (MRSH) at 10.32% 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 Marsh & McLennan (MRSH) at 3.06% 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 | MRSH |
|---|---|---|
| Revenue Growth (YoY) | 6.39% | 10.32% |
| Revenue Growth (3Y CAGR) | 8.70% | 9.20% |
| EPS Growth (YoY) | 28.70% | 3.06% |
| EPS Growth (3Y CAGR) | 34.78% | 11.75% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Hartford Insurance (HIG) in Insurance and Marsh & McLennan (MRSH) 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 Marsh & McLennan (MRSH) 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 | MRSH |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Hartford Insurance (HIG) at 1.75% and Marsh & McLennan (MRSH) at 1.80% 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%
MRSH
Insurance industry group
1.80%
- Max
- 5.12%
- Q3
- 2.15%
- MRSH
- 1.80%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Hartford Insurance (HIG) at 15.48% pays out a band-typical share of earnings, while Marsh & McLennan (MRSH) at 44.14% distributes more than its industry norm — less retained, thinner cover.
HIG
Insurance industry group
15.48%
- Max
- 76.67%
- Q3
- 35.18%
- HIG
- 15.48%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
MRSH
Insurance industry group
44.14%
- Max
- 76.67%
- MRSH
- 44.14%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | HIG | MRSH |
|---|---|---|
| Dividend Yield (TTM) | 1.75% | 1.80% |
| Dividend Payout Ratio (TTM) | 15.48% | 44.14% |
Valuation
P/E Ratio (TTM)
Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while Marsh & McLennan (MRSH) at 24.50 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
HIG
Insurance industry group
8.97
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- HIG
- 8.97
- Min
- 2.32
MRSH
Insurance industry group
24.50
- Max
- 28.37
- MRSH
- 24.50
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- 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 Marsh & McLennan (MRSH) at 3.42 sits in the pricier quartile — MRSH costs more per dollar of sales.
HIG
Insurance industry group
1.21
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- HIG
- 1.21
- Q1
- 0.85
- Min
- 0.07
MRSH
Insurance industry group
3.42
- Max
- 4.03
- MRSH
- 3.42
- Q3
- 2.25
- Median
- 1.23
- 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 Marsh & McLennan (MRSH) at 6.64 prices above its benchmark range — MRSH looks rich relative to book.
HIG
Insurance industry group
1.94
- Max
- 5.07
- Q3
- 2.79
- HIG
- 1.94
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
MRSH
Insurance industry group
6.64
- MRSH
- 6.64
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | HIG | MRSH |
|---|---|---|
| P/E Ratio (TTM) | 8.97 | 24.50 |
| P/S Ratio (TTM) | 1.21 | 3.42 |
| P/B Ratio (MRQ) | 1.94 | 6.64 |
| Free Cash Flow Yield (TTM) | -- | -- |