EIG
Employers Holdings, Inc.
Insurance - Specialty
Market Cap$982M
5Y Perf.+40.5%
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Stock Comparison
EIG vs HIG
Revenue, margins, valuation, and 5-year total return — side by side.
HIG
The Hartford Financial Services Group, Inc.
Insurance - Diversified
Market Cap$36.49B
5Y Perf.+246.5%
EIG vs HIG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | EIG | HIG |
|---|---|---|
| Industry | Insurance - Specialty | Insurance - Diversified |
| Market Cap | $982M | $36.49B |
| Revenue (TTM) | $863M | $28.76B |
| Net Income (TTM) | $8M | $4.06B |
| Gross Margin | 34.3% | 35.8% |
| Operating Margin | 1.0% | 13.8% |
| Forward P/E | 19.5x | 10.1x |
| Total Debt | $39M | $4.37B |
| Cash & Equiv. | $160M | $133M |
EIG vs HIG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
EIG
HIG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Employers Holdings,… (EIG) | 100 | 140.5 | +40.5% |
| The Hartford Financ… (HIG) | 100 | 346.5 | +246.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: EIG vs HIG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: HIG leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Employers Holdings, Inc. is the stronger pick specifically for dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
EIG
Employers Holdings, Inc.
The Insurance Pick
EIG is the clearest fit if your priority is dividends.
- 3.0% yield, 2-year raise streak, vs HIG's 1.6%
Best for: dividends
HIG
The Hartford Financial Services Group, Inc.
The Insurance Pick
HIG carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.29, yield 1.6%
- Rev growth 7.1%, EPS growth 28.7%, 3Y rev CAGR 8.9%
- 233.5% 10Y total return vs EIG's 79.7%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HIG | 7.1% revenue growth vs EIG's -2.6% |
| Value | HIG | Lower P/E (10.1x vs 19.5x) |
| Quality / Margins | HIG | Combined ratio 0.8 vs EIG's 1.0 (lower = better underwriting) |
| Stability / Safety | HIG | Beta 0.29 vs EIG's 0.30 |
| Dividends | EIG | 3.0% yield, 2-year raise streak, vs HIG's 1.6% |
| Momentum (1Y) | HIG | +5.6% vs EIG's -10.3% |
| Efficiency (ROA) | HIG | 4.8% ROA vs EIG's 0.2%, ROIC 16.3% vs 1.0% |
EIG vs HIG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2022
EIG vs HIG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHIGLAGGINGEIG
EIGEmployers Holdings, I…
0leads
HIGThe Hartford Financia…
5leads
6 Total Categories
CATEGORYLEADERvs EIGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HIG6/6
Valuation MetricsMultiples, price ratios, and targets
HIG4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HIG6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
HIG5/6
Risk & VolatilityBeta, volatility, and downside exposure
HIG2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
HIG leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
HIG is the larger business by revenue, generating $28.8B annually — 33.3x EIG's $863M. HIG is the more profitable business, keeping 14.1% of every revenue dollar as net income compared to EIG's 0.9%. On growth, HIG holds the edge at +6.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | EIGEmployers Holding… | HIGThe Hartford Fina… |
|---|---|---|
| RevenueTrailing 12 months | $863M | $28.8B |
| EBITDAEarnings before interest/tax | $16M | $4.3B |
| Net IncomeAfter-tax profit | $8M | $4.1B |
| Free Cash FlowCash after capex | $31M | $5.8B |
| Gross MarginGross profit ÷ Revenue | +34.3% | +35.8% |
| Operating MarginEBIT ÷ Revenue | +1.0% | +13.8% |
| Net MarginNet income ÷ Revenue | +0.9% | +14.1% |
| FCF MarginFCF ÷ Revenue | +3.5% | +20.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | +2.5% | +6.1% |
| EPS Growth (YoY)Latest quarter vs prior year | -19.2% | +40.9% |
HIG leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
HIG leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 10.0x trailing earnings, HIG trades at a 89% valuation discount to EIG's 93.3x P/E. On an enterprise value basis, HIG's 7.9x EV/EBITDA is more attractive than EIG's 68.9x.
| Metric | EIGEmployers Holding… | HIGThe Hartford Fina… |
|---|---|---|
| Market CapShares × price | $982M | $36.5B |
| Enterprise ValueMkt cap + debt − cash | $861M | $40.7B |
| Trailing P/EPrice ÷ TTM EPS | 93.31x | 9.96x |
| Forward P/EPrice ÷ next-FY EPS est. | 19.54x | 10.06x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.44x |
| EV / EBITDAEnterprise value multiple | 68.89x | 7.90x |
| Price / SalesMarket cap ÷ Revenue | 1.14x | 1.29x |
| Price / BookPrice ÷ Book value/share | 1.06x | 2.00x |
| Price / FCFMarket cap ÷ FCF | 23.11x | 6.34x |
HIG leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
HIG leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
HIG delivers a 22.0% return on equity — every $100 of shareholder capital generates $22 in annual profit, vs $1 for EIG. EIG carries lower financial leverage with a 0.04x debt-to-equity ratio, signaling a more conservative balance sheet compared to HIG's 0.23x. On the Piotroski fundamental quality scale (0–9), HIG scores 9/9 vs EIG's 5/9, reflecting strong financial health.
| Metric | EIGEmployers Holding… | HIGThe Hartford Fina… |
|---|---|---|
| ROE (TTM)Return on equity | +0.8% | +22.0% |
| ROA (TTM)Return on assets | +0.2% | +4.8% |
| ROICReturn on invested capital | +1.0% | +16.3% |
| ROCEReturn on capital employed | +1.1% | +5.7% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 9 |
| Debt / EquityFinancial leverage | 0.04x | 0.23x |
| Net DebtTotal debt minus cash | -$121M | $4.2B |
| Cash & Equiv.Liquid assets | $160M | $133M |
| Total DebtShort + long-term debt | $39M | $4.4B |
| Interest CoverageEBIT ÷ Interest expense | 6.20x | 20.73x |
HIG leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
HIG leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in HIG five years ago would be worth $21,271 today (with dividends reinvested), compared to $11,848 for EIG. Over the past 12 months, HIG leads with a +5.6% total return vs EIG's -10.3%. The 3-year compound annual growth rate (CAGR) favors HIG at 25.3% vs EIG's 5.8% — a key indicator of consistent wealth creation.
| Metric | EIGEmployers Holding… | HIGThe Hartford Fina… |
|---|---|---|
| YTD ReturnYear-to-date | -1.2% | -2.8% |
| 1-Year ReturnPast 12 months | -10.3% | +5.6% |
| 3-Year ReturnCumulative with dividends | +18.4% | +96.9% |
| 5-Year ReturnCumulative with dividends | +18.5% | +112.7% |
| 10-Year ReturnCumulative with dividends | +79.7% | +233.5% |
| CAGR (3Y)Annualised 3-year return | +5.8% | +25.3% |
HIG leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
HIG leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
HIG is the less volatile stock with a 0.29 beta — it tends to amplify market swings less than EIG's 0.30 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. HIG currently trades 91.8% from its 52-week high vs EIG's 83.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | EIGEmployers Holding… | HIGThe Hartford Fina… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.30x | 0.29x |
| 52-Week HighHighest price in past year | $50.37 | $144.50 |
| 52-Week LowLowest price in past year | $35.73 | $119.61 |
| % of 52W HighCurrent price vs 52-week peak | +83.4% | +91.8% |
| RSI (14)Momentum oscillator 0–100 | 45.9 | 41.4 |
| Avg Volume (50D)Average daily shares traded | 226K | 1.4M |
HIG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — EIG and HIG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates EIG as "Buy" and HIG as "Buy". For income investors, EIG offers the higher dividend yield at 2.95% vs HIG's 1.56%.
| Metric | EIGEmployers Holding… | HIGThe Hartford Fina… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | — | $152.00 |
| # AnalystsCovering analysts | 8 | 42 |
| Dividend YieldAnnual dividend ÷ price | +3.0% | +1.6% |
| Dividend StreakConsecutive years of raises | 2 | 15 |
| Dividend / ShareAnnual DPS | $1.24 | $2.07 |
| Buyback YieldShare repurchases ÷ mkt cap | +18.6% | +4.4% |
Evenly matched — EIG and HIG each lead in 1 of 2 comparable metrics.
Key Takeaway
HIG leads in 5 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 1 category is tied.
Best OverallThe Hartford Financial Serv… (HIG)Leads 5 of 6 categories
Loading custom metrics...
EIG vs HIG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is EIG or HIG a better buy right now?
For growth investors, The Hartford Financial Services Group, Inc.
(HIG) is the stronger pick with 7. 1% revenue growth year-over-year, versus -2. 6% for Employers Holdings, Inc. (EIG). The Hartford Financial Services Group, Inc. (HIG) offers the better valuation at 10. 0x trailing P/E (10. 1x forward), making it the more compelling value choice. Analysts rate Employers Holdings, Inc. (EIG) a "Buy" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — EIG or HIG?
On trailing P/E, The Hartford Financial Services Group, Inc.
(HIG) is the cheapest at 10. 0x versus Employers Holdings, Inc. at 93. 3x. On forward P/E, The Hartford Financial Services Group, Inc. is actually cheaper at 10. 1x.
03Which is the better long-term investment — EIG or HIG?
Over the past 5 years, The Hartford Financial Services Group, Inc.
(HIG) delivered a total return of +112. 7%, compared to +18. 5% for Employers Holdings, Inc. (EIG). Over 10 years, the gap is even starker: HIG returned +233. 5% versus EIG's +79. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — EIG or HIG?
By beta (market sensitivity over 5 years), The Hartford Financial Services Group, Inc.
(HIG) is the lower-risk stock at 0. 29β versus Employers Holdings, Inc. 's 0. 30β — meaning EIG is approximately 2% more volatile than HIG relative to the S&P 500. On balance sheet safety, Employers Holdings, Inc. (EIG) carries a lower debt/equity ratio of 4% versus 23% for The Hartford Financial Services Group, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — EIG or HIG?
By revenue growth (latest reported year), The Hartford Financial Services Group, Inc.
(HIG) is pulling ahead at 7. 1% versus -2. 6% for Employers Holdings, Inc. (EIG). On earnings-per-share growth, the picture is similar: The Hartford Financial Services Group, Inc. grew EPS 28. 7% year-over-year, compared to -90. 4% for Employers Holdings, Inc.. Over a 3-year CAGR, HIG leads at 8. 9% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — EIG or HIG?
The Hartford Financial Services Group, Inc.
(HIG) is the more profitable company, earning 13. 6% net margin versus 1. 3% for Employers Holdings, Inc. — meaning it keeps 13. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HIG leads at 16. 8% versus 1. 4% for EIG. At the gross margin level — before operating expenses — HIG leads at 46. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is EIG or HIG more undervalued right now?
On forward earnings alone, The Hartford Financial Services Group, Inc.
(HIG) trades at 10. 1x forward P/E versus 19. 5x for Employers Holdings, Inc. — 9. 5x cheaper on a one-year earnings basis.
08Which pays a better dividend — EIG or HIG?
All stocks in this comparison pay dividends.
Employers Holdings, Inc. (EIG) offers the highest yield at 3. 0%, versus 1. 6% for The Hartford Financial Services Group, Inc. (HIG).
09Is EIG or HIG better for a retirement portfolio?
For long-horizon retirement investors, The Hartford Financial Services Group, Inc.
(HIG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 29), 1. 6% yield, +233. 5% 10Y return). Both have compounded well over 10 years (HIG: +233. 5%, EIG: +79. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between EIG and HIG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: EIG is a small-cap quality compounder stock; HIG is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(EIG: 2.5% · HIG: 6.1%)P/E Ratio<
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