HIG vs ALL: Hartford Financial vs Allstate Stock Comparison: AI Score, Valuation, Performance and Upside
Hartford Financial has a more diversified insurance portfolio with commercial lines, group benefits, and personal insurance, while Allstate is primarily a personal lines auto and homeowners insurer that has executed a significant pricing correction after claims inflation. Hartford offers more diversified insurance income; Allstate offers more personal lines recovery upside.
HIG vs ALL is commercial-and-group-benefits diversified insurer versus personal auto and homeowners recovery play — Hartford wins if commercial lines discipline and group benefits compound consistently; Allstate wins if personal auto pricing improvements sustain improved combined ratios.
ALL holds the edge across 4 of 5 key metrics in this comparison. ALL leads on both 1-year return (+27.89%) and forward P/E quality (9.22x vs 9.94x for HIG), a relatively favorable combination of momentum and valuation. ALL leads on both revenue growth (11.80%) and operating margin (22.83%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies similar upside for both: +10.10% for HIG and +7.98% for ALL.
- prefer commercial insurance and group benefits as more stable revenue vs personal auto cycles
- value Hartford's underwriting discipline and consistent combined ratio history
- want a diversified insurance company with less personal auto catastrophe cycle exposure
- prefer steady dividend income from a disciplined, diversified insurer
- want exposure to a personal auto insurance recovery after large premium rate increases
- value Allstate's scale in personal auto with National General adding non-standard market access
- believe Allstate's pricing actions have adequately reset for current claims severity
- prefer personal lines insurance with near-term recovery potential from margin normalization
| Metric | HIG | ALL |
|---|---|---|
| AI score | 51.3 | 53.0 |
| AI rank | #373 | #301 |
| Latest close | $138.55 | $260.58 |
| 1M return | -4.89% | -5.03% |
| 6M return | -1.62% | +21.47% |
| 1Y return | +4.79% | +27.89% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | HIG | ALL |
|---|---|---|
| 1Y ago | $10.47K (+4.7%) started 2025-08-29 | $12.81K (+28.1%) started 2025-08-29 |
| 5Y ago | $24.29K (+142.9%) started 2021-08-30 | $23.39K (+133.9%) started 2021-08-30 |
| 10Y ago | $51.52K (+415.2%) started 2016-08-29 | $56.86K (+468.6%) started 2016-08-29 |
Hypothetical — past performance does not guarantee future results.
| Metric | HIG | ALL |
|---|---|---|
| Market cap | $36.87B | $64.18B |
| Trailing P/E | 9.40 | 5.08 |
| Forward P/E | 9.94 | 9.22 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 1.28 | 0.97 |
| Analyst target | $149.85 | $274.09 |
| Target upside | +10.10% | +7.98% |
| Metric | HIG | ALL |
|---|---|---|
| Revenue growth | 8.10% | 11.80% |
| Earnings growth | 36.10% | 61.20% |
| EPS growth | +36.10% | +61.20% |
| FCF margin | +18.79% | +21.61% |
| Operating margin | 17.61% | 22.83% |
| Profit margin | 14.89% | 18.97% |
| ROIC proxy | 22.06% | 46.11% |
| Return on equity | 22.06% | 46.11% |
| Dividend yield | 1.76% | 1.70% |
| Beta | 0.46 | 0.16 |
| Debt/equity | 22.33 | 22.26 |
| Current ratio | 1.77 | 0.36 |
| Quick ratio | 1.00 | 0.24 |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | HIG | ALL |
|---|---|---|---|
| 1Y | Growth | +4.72% | +28.08% |
| CAGR | +4.73% | +28.19% | |
| Sharpe ratio | 0.10 | 0.95 | |
| Max drawdown | 12.26% | 11.48% | |
| Max daily drop | 3.70% | 5.28% | |
| Max wkly drop | 6.95% | 9.39% | |
| 5Y | Growth | +123.78% | +111.83% |
| CAGR | +17.50% | +16.21% | |
| Sharpe ratio | 0.64 | 0.54 | |
| Max drawdown | 18.63% | 27.35% | |
| Max daily drop | 8.00% | 12.90% | |
| Max wkly drop | 13.80% | 12.82% | |
| 10Y | Growth | +316.47% | +358.78% |
| CAGR | +15.34% | +16.46% | |
| Sharpe ratio | 0.48 | 0.55 | |
| Max drawdown | 57.59% | 41.39% | |
| Max daily drop | 21.21% | 14.09% | |
| Max wkly drop | 41.83% | 22.74% |
| Category | HIG | ALL |
|---|---|---|
| Company | The Hartford Financial Services Group, Inc. | The Allstate Corporation |
| Sector | Financial Services | Financial Services |
| Industry | N/A | N/A |
| Core business | Diversified insurance company with commercial lines (property-casualty for businesses), personal lines (auto, homeowners), group benefits (disability, life insurance for employers), and mutual fund services. Hartford's commercial lines business is its largest and most profitable segment. | One of the largest US personal lines insurance companies offering auto, homeowners, renters, and life insurance through Allstate agents, Esurance, and National General brands. Allstate recently divested its employer-based benefits business to focus on personal insurance. |
| Investor focus | Commercial lines combined ratio, group benefits profitability, underwriting discipline across catastrophe-exposed lines, and capital return through dividends and buybacks. | Personal auto loss ratio recovery after inflation-driven claims severity surge, homeowners pricing adequacy vs catastrophe exposure, and agent channel vs digital competitive balance. |
- Commercial insurance leadership in specialty segments (small business, specialty liability, marine) provides differentiated underwriting
- Group benefits (employee disability and life insurance) creates durable fee-like recurring revenue tied to employment levels
- Conservative underwriting culture has produced consistently solid combined ratios through multiple catastrophe cycles
- Allstate's scale in personal auto insurance provides pricing data breadth and agent distribution advantages
- Successful rate increases (50%+ in many states) have significantly improved auto loss ratios after 2021-2022 surge
- National General acquisition provides additional agency distribution across non-standard auto segments
- Catastrophe frequency from hurricanes, wildfires, and flooding creates earnings volatility in property lines
- Personal auto loss ratios faced challenges from claims severity inflation similar to peers
- Investment portfolio sensitivity to interest rates affects fixed income income from premium float
- Homeowners insurance catastrophe exposure in hurricane and wildfire states remains elevated — pricing adequacy is an ongoing challenge
- Personal auto competition from Progressive and GEICO limits pricing and market share
- Agent-distributed model faces structural cost disadvantages vs direct-to-consumer models like Progressive
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