HIG vs. RYAN: Hartford Insurance vs. Ryan Specialty Stock Comparison

Company Profile

Hartford Insurance (HIG) and Ryan Specialty (RYAN) both belong to the Insurance industry, though HIG is classified under Multi-line Insurance while RYAN falls under Insurance Brokers.

Hartford Insurance (HIG) has more than two decades of public-market history since December 15, 1995, whereas Ryan Specialty (RYAN) listed on July 22, 2021 and has a much shorter record to draw on.

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

Both Hartford Insurance (HIG) at 23.25% and Ryan Specialty (RYAN) at 25.15% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

Hartford Insurance (HIG) at 15.58% keeps about the industry-typical share of revenue as profit, while Ryan Specialty (RYAN) at 3.27% retains only a bottom-quartile share.

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

Profitability Metrics

Growth

Both Hartford Insurance (HIG) at 6.39% and Ryan Specialty (RYAN) at 21.28% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Hartford Insurance (HIG) at 28.70% is around its peer norm for EPS growth, while Ryan Specialty (RYAN) at -33.80% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Hartford Insurance (HIG) in Insurance and Ryan Specialty (RYAN) 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 Ryan Specialty (RYAN) 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

Both Hartford Insurance (HIG) at 1.75% and Ryan Specialty (RYAN) at 1.06% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Hartford Insurance (HIG) at 15.48% pays out a band-typical share of earnings, while Ryan Specialty (RYAN) at 63.75% 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 Ryan Specialty (RYAN) at 59.66 trades above its peer range — a wide earnings-valuation gap relative to industry peers.

Hartford Insurance (HIG) at 1.21 is priced about in line with its industry on P/S ratio, while Ryan Specialty (RYAN) at 3.78 sits in the pricier quartile — RYAN costs more per dollar of sales.

Hartford Insurance (HIG) at 1.94 sits near its industry’s typical P/B ratio, while Ryan Specialty (RYAN) at 12.86 prices above its benchmark range — RYAN looks rich relative to book.

Valuation Metrics