American International Group, Inc. (AIG) vs The Hartford Insurance Group, Inc. (HIG)

American International Group, Inc. and The Hartford Insurance Group, Inc. are both Insurance Diversified companies. American International Group, Inc. is the larger, with a market value of $39.1B against $34.1B — 1.1× the size. The Hartford Insurance Group, Inc. trades at the lower P/E: 8.0× against 13.5×. The Hartford Insurance Group, Inc. grew revenue faster over the last twelve months: 8.01% against −4.19%. The Hartford Insurance Group, Inc. has the higher net margin (14.8% vs 11.1%) and the higher return on invested capital (13.9% vs 4.45%). Both pay a dividend; The Hartford Insurance Group, Inc. yields more (2.09% vs 2.08%). Across the 23 metrics below, The Hartford Insurance Group, Inc. leads on 19 and American International Group, Inc. on 4.

Valuation

Metric AIG HIG Insurance Diversified median
P/E 13.46 7.96 11.30
P/S 1.47 1.16 1.47
P/B 0.97 1.76 1.45
Price to free cash flow 10.20 5.78 5.78
EV/EBITDA 6.51 6.89 6.62
EV/Sales 1.82 1.32 1.82
Earnings yield 7.43% 12.57% 7.87%
Free cash flow yield 9.80% 17.30% 17.30%

Profitability

Metric AIG HIG Insurance Diversified median
Gross margin 28.38% 46.80% 53.26%
Operating margin 14.83% 18.04% 18.04%
Net margin 11.13% 14.81% 15.94%
Free cash flow margin 14.45% 20.02% 20.02%
Return on equity 7.22% 23.81% 12.08%
Return on assets 1.80% 5.06% 5.06%
Return on invested capital 4.45% 13.89% 9.01%

Growth

Metric AIG HIG Insurance Diversified median
Revenue growth (TTM) (4.19%) 8.01% (1.11%)
EPS growth (last fiscal year) 350.23% 28.70% —
Revenue growth, 5-year CAGR (9.35%) 6.69% 8.63%
Net income growth, 5-year CAGR 0.00% 17.33% 10.84%

Health

Metric AIG HIG Insurance Diversified median
Debt to equity 0.26 0.22 0.22
Current ratio 0.51 0.24 0.48
Net debt to EBITDA 1.24 0.80 0.17

Dividend

Metric AIG HIG Insurance Diversified median
Dividend yield 2.08% 2.09% 2.08%
Payout ratio 0.20 0.27 0.02

Size

Metric AIG HIG Insurance Diversified median
Market cap 39.12b 34.05b 13.12b

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