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

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

Company Profile

SymbolHIGSOFI
Company NameThe Hartford Insurance Group, Inc.SoFi Technologies, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceConsumer Finance
Market Capitalization36.82 billion USD28.51 billion USD
ExchangeNYSENasdaqGS
Listing DateDecember 15, 1995January 4, 2021
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolHIGSOFI
5-Day Price Return2.93%7.84%
13-Week Price Return1.79%69.59%
26-Week Price Return15.39%60.88%
52-Week Price Return22.27%267.44%
Month-to-Date Return5.27%5.45%
Year-to-Date Return19.69%54.61%
10-Day Avg. Volume1.32M64.12M
3-Month Avg. Volume1.60M69.50M
3-Month Volatility19.61%46.49%
Beta0.701.97

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.

SOFI

8.58%

Consumer Finance Industry

Max
32.87%
Q3
20.39%
Median
14.14%
Q1
7.64%
Min
-10.63%

SOFI’s Return on Equity of 8.58% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

HIG vs. SOFI: A comparison of their Return on Equity (TTM) against their respective Insurance and Consumer Finance 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.

SOFI

-19.79%

Consumer Finance Industry

Max
19.68%
Q3
15.94%
Median
13.37%
Q1
9.73%
Min
3.66%

SOFI has a negative Net Profit Margin of -19.79%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

HIG vs. SOFI: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Consumer Finance 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.

SOFI

-19.92%

Consumer Finance Industry

Max
50.11%
Q3
29.38%
Median
18.31%
Q1
14.26%
Min
-5.45%

SOFI has a negative Operating Profit Margin of -19.92%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

HIG vs. SOFI: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Profitability at a Glance

SymbolHIGSOFI
Return on Equity (TTM)19.14%8.58%
Return on Assets (TTM)3.96%1.50%
Net Profit Margin (TTM)11.85%-19.79%
Operating Profit Margin (TTM)15.39%-19.92%
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.

SOFI

--

Consumer Finance Industry

Max
5.34
Q3
4.21
Median
2.67
Q1
0.71
Min
0.20

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

HIG vs. SOFI: A comparison of their Current Ratio (MRQ) against their respective Insurance and Consumer Finance 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.

SOFI

0.57

Consumer Finance Industry

Max
6.63
Q3
3.39
Median
2.21
Q1
0.94
Min
0.00

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

HIG vs. SOFI: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Consumer Finance 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.

SOFI

--

Consumer Finance Industry

Max
49.63
Q3
39.33
Median
4.56
Q1
2.97
Min
-15.69

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

HIG vs. SOFI: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Financial Strength at a Glance

SymbolHIGSOFI
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)0.250.57
Interest Coverage Ratio (TTM)34.47--

Growth

Revenue Growth

HIG vs. SOFI: 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. SOFI: 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.

SOFI

0.00%

Consumer Finance Industry

Max
8.31%
Q3
3.93%
Median
2.51%
Q1
0.84%
Min
0.00%

SOFI currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

HIG vs. SOFI: A comparison of their Dividend Yield (TTM) against their respective Insurance and Consumer Finance 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.

SOFI

0.00%

Consumer Finance Industry

Max
145.89%
Q3
88.53%
Median
23.79%
Q1
0.00%
Min
0.00%

SOFI has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

HIG vs. SOFI: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Consumer Finance industry benchmarks.

Dividend at a Glance

SymbolHIGSOFI
Dividend Yield (TTM)1.63%0.00%
Dividend Payout Ratio (TTM)18.34%0.00%

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.

SOFI

50.26

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

At 50.26, SOFI’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Consumer Finance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

HIG vs. SOFI: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Consumer Finance 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.

SOFI

3.35

Consumer Finance Industry

Max
4.28
Q3
2.67
Median
1.88
Q1
1.15
Min
0.55

SOFI’s P/S Ratio of 3.35 is in the upper echelon for the Consumer Finance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

HIG vs. SOFI: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Consumer Finance 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.

SOFI

2.93

Consumer Finance Industry

Max
3.63
Q3
2.40
Median
1.96
Q1
1.16
Min
0.26

SOFI’s P/B Ratio of 2.93 is in the upper tier for the Consumer Finance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

HIG vs. SOFI: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Consumer Finance industry benchmarks.

Valuation at a Glance

SymbolHIGSOFI
Price-to-Earnings Ratio (TTM)11.2550.26
Price-to-Sales Ratio (TTM)1.333.35
Price-to-Book Ratio (MRQ)2.062.93
Price-to-Free Cash Flow Ratio (TTM)6.3940.08