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

Updated on August 29, 2025

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

Company Profile

Symbol	HIG	ORI
Company Name	The Hartford Insurance Group, Inc.	Old Republic International Corporation
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Insurance
Market Capitalization	37.42 billion USD	9.95 billion USD
Exchange	NYSE	NYSE
Listing Date	December 15, 1995	March 17, 1980
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of HIG and ORI 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. ORI: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	HIG	ORI
5-Day Price Return	-0.10%	1.62%
13-Week Price Return	1.60%	5.90%
26-Week Price Return	19.41%	9.73%
52-Week Price Return	17.74%	13.81%
Month-to-Date Return	6.98%	10.70%
Year-to-Date Return	21.64%	10.64%
10-Day Avg. Volume	1.37M	1.30M
3-Month Avg. Volume	1.55M	1.39M
3-Month Volatility	19.06%	18.31%
Beta	0.70	0.83

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.

ORI

14.79%

Insurance Industry

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

ORI’s Return on Equity of 14.79% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

HIG vs. ORI: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

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.

ORI

10.42%

Insurance Industry

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

ORI’s Net Profit Margin of 10.42% 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.

HIG vs. ORI: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

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.

ORI

12.90%

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.

HIG vs. ORI: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

Symbol	HIG	ORI
Return on Equity (TTM)	19.14%	14.79%
Return on Assets (TTM)	3.96%	3.14%
Net Profit Margin (TTM)	11.85%	10.42%
Operating Profit Margin (TTM)	15.39%	12.90%
Gross Profit Margin (TTM)	--	--

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.

ORI

0.38

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.

HIG vs. ORI: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

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.

ORI

0.26

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.

HIG vs. ORI: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

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.

ORI

12.12

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.

HIG vs. ORI: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

Symbol	HIG	ORI
Current Ratio (MRQ)	--	0.38
Quick Ratio (MRQ)	--	0.38
Debt-to-Equity Ratio (MRQ)	0.25	0.26
Interest Coverage Ratio (TTM)	34.47	12.12

Growth

Revenue Growth

HIG vs. ORI: 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. ORI: 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

1.59%

Insurance Industry

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

HIG’s Dividend Yield of 1.59% 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.

ORI

7.93%

Insurance Industry

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

With a Dividend Yield of 7.93%, ORI offers a more attractive income stream than most of its peers in the Insurance industry, signaling a strong commitment to shareholder returns.

HIG vs. ORI: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

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.

ORI

86.41%

Insurance Industry

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

ORI’s Dividend Payout Ratio of 86.41% is in the upper quartile for the Insurance industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

HIG vs. ORI: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

Symbol	HIG	ORI
Dividend Yield (TTM)	1.59%	7.93%
Dividend Payout Ratio (TTM)	18.34%	86.41%

Valuation

Price-to-Earnings Ratio (TTM)

HIG

11.53

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

HIG’s P/E Ratio of 11.53 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.

ORI

10.90

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

ORI’s P/E Ratio of 10.90 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.

HIG vs. ORI: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

Price-to-Sales Ratio (TTM)

HIG

1.37

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

HIG’s P/S Ratio of 1.37 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.

ORI

1.14

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

ORI’s P/S Ratio of 1.14 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.

HIG vs. ORI: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

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.

ORI

1.54

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

ORI’s P/B Ratio of 1.54 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.

HIG vs. ORI: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

Symbol	HIG	ORI
Price-to-Earnings Ratio (TTM)	11.53	10.90
Price-to-Sales Ratio (TTM)	1.37	1.14
Price-to-Book Ratio (MRQ)	2.06	1.54
Price-to-Free Cash Flow Ratio (TTM)	6.55	8.10