HIG vs. UNM: Hartford Insurance vs. Unum Stock Comparison
How do Hartford Insurance (HIG) and Unum (UNM) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Hartford Insurance (HIG) and Unum (UNM) both belong to the Insurance industry, though HIG is classified under Multi-line Insurance while UNM falls under Life & Health Insurance.
| Profile Item | HIG | UNM |
|---|---|---|
| Name | The Hartford Insurance Group, Inc. | Unum Group |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Multi-line Insurance | Life & Health Insurance |
| Market Capitalization | 35.83 billion USD | 11.89 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 1995 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | HIG | UNM |
|---|---|---|
| Total Return (1Y) | 5.95% | 4.52% |
| Total Return (3Y, Annualized) | 24.69% | 25.65% |
| Total Return (5Y, Annualized) | 15.57% | 29.12% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | HIG | UNM |
|---|---|---|
| Volatility (1Y, Annualized) | 20.18% | 29.31% |
| Beta (5Y) | 0.46 | 0.28 |
| Max Drawdown (5Y) | -18.63% | -23.00% |
| Avg. Volume (3M) | 1.65M | 1.86M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | HIG | UNM |
|---|---|---|
| Sharpe Ratio (1Y) | 0.08 | 0.01 |
| Sortino Ratio (1Y) | 0.12 | 0.01 |
Profitability
ROE (TTM)
Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while Unum (UNM) at 2.25% is in the bottom quartile, showing a clear gap in returns on equity.
HIG
Insurance industry group
23.25%
- Max
- 41.68%
- HIG
- 23.25%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
UNM
Insurance industry group
2.25%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- UNM
- 2.25%
- Min
- -10.66%
Net Margin (TTM)
Hartford Insurance (HIG) at 15.58% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile share.
HIG
Insurance industry group
15.58%
- Max
- 29.92%
- Q3
- 17.03%
- HIG
- 15.58%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
UNM
Insurance industry group
1.94%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- UNM
- 1.94%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Hartford Insurance (HIG) in Insurance and Unum (UNM) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | HIG | UNM |
|---|---|---|
| ROE (TTM) | 23.25% | 2.25% |
| ROA (TTM) | 4.09% | 0.51% |
| Net Margin (TTM) | 15.58% | 1.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Hartford Insurance (HIG) at 6.39% is around its peer norm for revenue growth, while Unum (UNM) at 1.52% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Hartford Insurance (HIG) at 28.70% is around its peer norm for EPS growth, while Unum (UNM) at -54.86% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | HIG | UNM |
|---|---|---|
| Revenue Growth (YoY) | 6.39% | 1.52% |
| Revenue Growth (3Y CAGR) | 8.70% | 3.02% |
| EPS Growth (YoY) | 28.70% | -54.86% |
| EPS Growth (3Y CAGR) | 34.78% | -13.07% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Hartford Insurance (HIG) in Insurance and Unum (UNM) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Hartford Insurance (HIG) in Insurance and Unum (UNM) 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
| Metric | HIG | UNM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Unum (UNM) at 2.61% delivers top-quartile income for its industry, while Hartford Insurance (HIG) at 1.75% pays a more typical yield — both are credible income propositions, UNM the richer one.
HIG
Insurance industry group
1.75%
- Max
- 5.12%
- Q3
- 2.15%
- HIG
- 1.75%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
UNM
Insurance industry group
2.61%
- Max
- 5.12%
- UNM
- 2.61%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Unum (UNM) reports payout ratio above 100% at 128.23%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Hartford Insurance (HIG) reports 15.48%, ranking against industry peers normally.
HIG
Insurance industry group
15.48%
- Max
- 76.67%
- Q3
- 35.18%
- HIG
- 15.48%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
UNM
Insurance industry group
128.23%
- UNM
- 128.23%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | HIG | UNM |
|---|---|---|
| Dividend Yield (TTM) | 1.75% | 2.61% |
| Dividend Payout Ratio (TTM) | 15.48% | 128.23% |
Valuation
P/E Ratio (TTM)
Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while Unum (UNM) at 52.21 trades above its peer range — a wide earnings-valuation gap relative to industry peers.
HIG
Insurance industry group
8.97
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- HIG
- 8.97
- Min
- 2.32
UNM
Insurance industry group
52.21
- UNM
- 52.21
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Hartford Insurance (HIG) at 1.21 and Unum (UNM) at 0.95 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
HIG
Insurance industry group
1.21
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- HIG
- 1.21
- Q1
- 0.85
- Min
- 0.07
UNM
Insurance industry group
0.95
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- UNM
- 0.95
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Unum (UNM) at 1.11 sits in the lower P/B ratio quartile against book while Hartford Insurance (HIG) at 1.94 is valued near its industry’s middle — UNM is cheaper on assets, though weigh it against ROE and asset quality.
HIG
Insurance industry group
1.94
- Max
- 5.07
- Q3
- 2.79
- HIG
- 1.94
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
UNM
Insurance industry group
1.11
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- UNM
- 1.11
- Min
- 0.30
Valuation Metrics
| Metric | HIG | UNM |
|---|---|---|
| P/E Ratio (TTM) | 8.97 | 52.21 |
| P/S Ratio (TTM) | 1.21 | 0.95 |
| P/B Ratio (MRQ) | 1.94 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |