Aegon NV (AEG) vs The Hartford Insurance Group, Inc. (HIG)

Aegon NV and The Hartford Insurance Group, Inc. are both Insurance Diversified companies. The Hartford Insurance Group, Inc. is the larger, with a market value of $34.1B against $13.1B — 2.6× the size. Aegon NV has negative trailing earnings, so its P/E is not meaningful; The Hartford Insurance Group, Inc. trades at 8.0×. The Hartford Insurance Group, Inc. grew revenue faster over the last twelve months: 8.01% against −36.9%. The Hartford Insurance Group, Inc. has the higher net margin (14.8% vs −10.3%) and the higher return on invested capital (13.9% vs 0.00%). Both pay a dividend; Aegon NV yields more (5.67% vs 2.09%). Across the 21 metrics below, The Hartford Insurance Group, Inc. leads on 15 and Aegon NV on 6.

Valuation

Metric AEG HIG Insurance Diversified median
P/E n/m 7.96 11.30
P/S 1.08 1.16 1.47
P/B 1.90 1.76 1.45
Price to free cash flow 6.79 5.78 5.78
EV/EBITDA n/m 6.89 6.62
EV/Sales 1.09 1.32 1.82
Earnings yield (8.91%) 12.57% 7.87%
Free cash flow yield 14.73% 17.30% 17.30%

Profitability

Metric AEG HIG Insurance Diversified median
Gross margin 119.87% 46.80% 53.26%
Operating margin (12.33%) 18.04% 18.04%
Net margin (10.34%) 14.81% 15.94%
Free cash flow margin 0.00% 20.02% 20.02%
Return on equity 0.00% 23.81% 12.08%
Return on assets 0.00% 5.06% 5.06%
Return on invested capital 0.00% 13.89% 9.01%

Growth

Metric AEG HIG Insurance Diversified median
Revenue growth (TTM) (36.92%) 8.01% (1.11%)
EPS growth (last fiscal year) 46.05% 28.70% —
Revenue growth, 5-year CAGR (15.01%) 6.69% 8.63%
Net income growth, 5-year CAGR 0.00% 17.33% 10.84%

Health

Metric AEG HIG Insurance Diversified median
Debt to equity 0.42 0.22 0.22
Current ratio 0.12 0.24 0.48
Net debt to EBITDA 0.17 0.80 0.17

Dividend

Metric AEG HIG Insurance Diversified median
Dividend yield 5.67% 2.09% 2.08%
Payout ratio 0.66 0.27 0.02

Size

Metric AEG HIG Insurance Diversified median
Market cap 13.12b 34.05b 13.12b

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