The Hartford Insurance Group, Inc. (HIG) vs International General Insurance Holdings Ltd. (IGIC)

The Hartford Insurance Group, Inc. and International General Insurance Holdings Ltd. are both Insurance Diversified companies. The Hartford Insurance Group, Inc. is the larger, with a market value of $36.7B against $1.0B — 35.6× the size. The Hartford Insurance Group, Inc. trades at the lower P/E: 8.2× against 10.1×. The Hartford Insurance Group, Inc. grew revenue faster over the last twelve months: 8.24% against 1.89%. International General Insurance Holdings Ltd. has the higher net margin (21.6% vs 15.5%) and the lower return on invested capital (7.38% vs 15.3%). Both pay a dividend; The Hartford Insurance Group, Inc. yields more (1.76% vs 1.04%). Across the 21 metrics below, The Hartford Insurance Group, Inc. leads on 12 and International General Insurance Holdings Ltd. on 9.

Valuation

Metric HIG IGIC Insurance Diversified median
P/E 8.19 10.06 11.57
P/S 1.25 2.17 1.52
P/B 1.99 1.54 1.64
Price to free cash flow 5.21 2.62 6.58
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.21% 9.94% 7.65%
Free cash flow yield 19.19% 38.11% 15.20%

Profitability

Metric HIG IGIC Insurance Diversified median
Gross margin 47.56% 33.27% 53.26%
Operating margin 19.02% 11.87% 19.02%
Net margin 15.49% 21.60% 15.94%
Free cash flow margin 23.92% 0.00% 6.29%
Return on equity 25.03% 15.11% 12.08%
Return on assets 5.33% 4.82% 5.31%
Return on invested capital 15.25% 7.38% 9.01%

Growth

Metric HIG IGIC Insurance Diversified median
Revenue growth (TTM) 8.24% 1.89% 1.89%
EPS growth (last fiscal year) 28.70% (3.02%) 28.70%
Revenue growth, 5-year CAGR 6.69% 9.86% 8.63%
Net income growth, 5-year CAGR 17.33% 37.72% 10.84%

Health

Metric HIG IGIC Insurance Diversified median
Debt to equity 0.23 0.00 0.17
Current ratio 0.21 0.65 0.47
Net debt to EBITDA 0.80 (2.64) 0.17

Dividend

Metric HIG IGIC Insurance Diversified median
Dividend yield 1.76% 1.04% 1.96%
Payout ratio 0.15 0.10 0.15

Size

Metric HIG IGIC Insurance Diversified median
Market cap 36.66b 1.03b 12.81b

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