The Hartford Insurance Group, Inc. (HIG) vs Waterdrop Inc. Unsponsored ADR (WDH)

The Hartford Insurance Group, Inc. and Waterdrop Inc. Unsponsored ADR are both Insurance Diversified companies. The Hartford Insurance Group, Inc. is the larger, with a market value of $36.0B against $283.5M — 126.9× the size. Waterdrop Inc. Unsponsored ADR trades at the lower P/E: 4.8× against 8.7×. Waterdrop Inc. Unsponsored ADR grew revenue faster over the last twelve months: 80.9% against 8.01%. The Hartford Insurance Group, Inc. has the higher net margin (14.8% vs 10.8%) and the higher return on invested capital (13.9% vs 6.46%). Both pay a dividend; Waterdrop Inc. Unsponsored ADR yields more (5.94% vs 1.78%). Across the 21 metrics below, Waterdrop Inc. Unsponsored ADR leads on 14 and The Hartford Insurance Group, Inc. on 7.

Valuation

Metric HIG WDH Insurance Diversified median
P/E 8.66 4.81 11.63
P/S 1.26 0.49 1.61
P/B 1.91 0.46 1.53
Price to free cash flow 6.29 1.61 6.29
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.55% 20.79% 7.48%
Free cash flow yield 15.90% 62.19% 15.90%

Profitability

Metric HIG WDH Insurance Diversified median
Gross margin 46.80% 57.13% 53.26%
Operating margin 18.04% 7.68% 18.04%
Net margin 14.81% 10.75% 15.94%
Free cash flow margin 20.02% 0.00% 20.02%
Return on equity 23.81% 10.75% 12.08%
Return on assets 5.06% 7.69% 5.06%
Return on invested capital 13.89% 6.46% 9.01%

Growth

Metric HIG WDH Insurance Diversified median
Revenue growth (TTM) 8.01% 80.88% (1.11%)
EPS growth (last fiscal year) 28.70% 70.28% 28.70%
Revenue growth, 5-year CAGR 6.69% 4.16% 8.63%
Net income growth, 5-year CAGR 17.33% 0.00% 10.84%

Health

Metric HIG WDH Insurance Diversified median
Debt to equity 0.22 0.09 0.22
Current ratio 0.24 2.19 0.48
Net debt to EBITDA 0.80 (4.16) 0.17

Dividend

Metric HIG WDH Insurance Diversified median
Dividend yield 1.78% 5.94% 2.07%
Payout ratio 0.16 0.29 0.16

Size

Metric HIG WDH Insurance Diversified median
Market cap 35.97b 283.50m 12.21b

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