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HIG vs. NMR: A Head-to-Head Stock Comparison

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Here’s a clear look at HIG and NMR, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

HIG is a standard domestic listing, while NMR trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

SymbolHIGNMR
Company NameThe Hartford Insurance Group, Inc.Nomura Holdings, Inc.
CountryUnited StatesJapan
GICS SectorFinancialsFinancials
GICS IndustryInsuranceCapital Markets
Market Capitalization36.82 billion USD21.27 billion USD
ExchangeNYSENYSE
Listing DateDecember 15, 1995December 17, 2001
Security TypeCommon StockADR

Historical Performance

This chart compares the performance of HIG and NMR by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

HIG vs. NMR: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolHIGNMR
5-Day Price Return2.93%6.34%
13-Week Price Return1.79%21.91%
26-Week Price Return15.39%7.60%
52-Week Price Return22.27%23.08%
Month-to-Date Return5.27%6.02%
Year-to-Date Return19.69%14.41%
10-Day Avg. Volume1.32M12.97M
3-Month Avg. Volume1.60M13.51M
3-Month Volatility19.61%21.77%
Beta0.701.55

Profitability

Return on Equity (TTM)

HIG

19.14%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

In the upper quartile for the Insurance industry, HIG’s Return on Equity of 19.14% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

NMR

9.87%

Capital Markets Industry

Max
38.97%
Q3
21.61%
Median
13.77%
Q1
8.31%
Min
-4.25%

NMR’s Return on Equity of 9.87% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

HIG vs. NMR: A comparison of their Return on Equity (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

HIG

11.85%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

HIG’s Net Profit Margin of 11.85% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

NMR

7.19%

Capital Markets Industry

Max
66.67%
Q3
35.11%
Median
23.49%
Q1
13.63%
Min
-15.18%

Falling into the lower quartile for the Capital Markets industry, NMR’s Net Profit Margin of 7.19% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

HIG vs. NMR: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

HIG

15.39%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

NMR

9.96%

Capital Markets Industry

Max
86.40%
Q3
46.46%
Median
32.80%
Q1
18.32%
Min
-21.87%

NMR’s Operating Profit Margin of 9.96% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

HIG vs. NMR: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Profitability at a Glance

SymbolHIGNMR
Return on Equity (TTM)19.14%9.87%
Return on Assets (TTM)3.96%0.58%
Net Profit Margin (TTM)11.85%7.19%
Operating Profit Margin (TTM)15.39%9.96%
Gross Profit Margin (TTM)--39.95%

Financial Strength

Current Ratio (MRQ)

HIG

--

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

NMR

0.23

Capital Markets Industry

Max
3.76
Q3
1.89
Median
1.01
Q1
0.54
Min
-0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

HIG vs. NMR: A comparison of their Current Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

HIG

0.25

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

NMR

10.44

Capital Markets Industry

Max
6.62
Q3
2.84
Median
1.02
Q1
0.32
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

HIG vs. NMR: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

HIG

34.47

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

NMR

--

Capital Markets Industry

Max
126.03
Q3
60.98
Median
11.77
Q1
4.95
Min
-36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

HIG vs. NMR: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Financial Strength at a Glance

SymbolHIGNMR
Current Ratio (MRQ)--0.23
Quick Ratio (MRQ)--0.23
Debt-to-Equity Ratio (MRQ)0.2510.44
Interest Coverage Ratio (TTM)34.47--

Growth

Revenue Growth

HIG vs. NMR: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

HIG vs. NMR: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

HIG

1.63%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

HIG’s Dividend Yield of 1.63% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

NMR

3.64%

Capital Markets Industry

Max
10.26%
Q3
4.86%
Median
2.78%
Q1
1.22%
Min
0.00%

NMR’s Dividend Yield of 3.64% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

HIG vs. NMR: A comparison of their Dividend Yield (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

HIG

18.34%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

HIG’s Dividend Payout Ratio of 18.34% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

NMR

66.06%

Capital Markets Industry

Max
200.72%
Q3
101.92%
Median
57.97%
Q1
32.36%
Min
0.00%

NMR’s Dividend Payout Ratio of 66.06% is within the typical range for the Capital Markets industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

HIG vs. NMR: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Dividend at a Glance

SymbolHIGNMR
Dividend Yield (TTM)1.63%3.64%
Dividend Payout Ratio (TTM)18.34%66.06%

Valuation

Price-to-Earnings Ratio (TTM)

HIG

11.25

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

HIG’s P/E Ratio of 11.25 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

NMR

9.09

Capital Markets Industry

Max
58.89
Q3
31.00
Median
18.54
Q1
12.09
Min
5.24

In the lower quartile for the Capital Markets industry, NMR’s P/E Ratio of 9.09 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

HIG vs. NMR: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

HIG

1.33

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

HIG’s P/S Ratio of 1.33 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

NMR

0.65

Capital Markets Industry

Max
14.49
Q3
7.41
Median
4.68
Q1
2.25
Min
0.04

In the lower quartile for the Capital Markets industry, NMR’s P/S Ratio of 0.65 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

HIG vs. NMR: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

HIG

2.06

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

HIG’s P/B Ratio of 2.06 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

NMR

0.83

Capital Markets Industry

Max
9.48
Q3
4.94
Median
2.42
Q1
1.21
Min
0.38

NMR’s P/B Ratio of 0.83 is in the lower quartile for the Capital Markets industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

HIG vs. NMR: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Valuation at a Glance

SymbolHIGNMR
Price-to-Earnings Ratio (TTM)11.259.09
Price-to-Sales Ratio (TTM)1.330.65
Price-to-Book Ratio (MRQ)2.060.83
Price-to-Free Cash Flow Ratio (TTM)6.393.24