HIG vs. PRU: Hartford Insurance vs. Prudential Financial Stock Comparison

Company Profile

Hartford Insurance (HIG) and Prudential Financial (PRU) both belong to the Insurance industry, though HIG is classified under Multi-line Insurance while PRU falls under Life & Health Insurance.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while Prudential Financial (PRU) at 11.86% is closer to the peer norm — stronger capital efficiency for HIG.

Both Hartford Insurance (HIG) at 15.58% and Prudential Financial (PRU) at 6.27% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Hartford Insurance (HIG) in Insurance and Prudential Financial (PRU) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Hartford Insurance (HIG) at 6.39% is around its peer norm for revenue growth, while Prudential Financial (PRU) at -13.74% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Hartford Insurance (HIG) at 28.70% and Prudential Financial (PRU) at 33.20% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Hartford Insurance (HIG) in Insurance and Prudential Financial (PRU) 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-to-equity ratio is set aside for both: Hartford Insurance (HIG) in Insurance and Prudential Financial (PRU) 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

Dividends

Prudential Financial (PRU) at 4.53% delivers top-quartile income for its industry, while Hartford Insurance (HIG) at 1.75% pays a more typical yield — both are credible income propositions, PRU the richer one.

Hartford Insurance (HIG) at 15.48% pays out a band-typical share of earnings, while Prudential Financial (PRU) at 50.55% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while Prudential Financial (PRU) at 10.86 is closer to its industry’s usual earnings multiple — a discount for HIG, though growth and earnings durability still matter.

Prudential Financial (PRU) at 0.66 sits in the cheaper P/S ratio quartile while Hartford Insurance (HIG) at 1.21 prices around its industry’s middle — PRU costs less per dollar of sales, though read it alongside growth and margins.

On P/B ratio, both Hartford Insurance (HIG) at 1.94 and Prudential Financial (PRU) at 1.39 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics