HIG
The Hartford Financial Services Group, Inc.
Insurance - Diversified
Market Cap$36.49B
5Y Perf.+246.5%
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Stock Comparison
HIG vs HUM
Revenue, margins, valuation, and 5-year total return — side by side.
HUM
Humana Inc.
Medical - Healthcare Plans
Market Cap$29.67B
5Y Perf.-39.8%
HIG vs HUM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | HIG | HUM |
|---|---|---|
| Industry | Insurance - Diversified | Medical - Healthcare Plans |
| Market Cap | $36.49B | $29.67B |
| Revenue (TTM) | $28.76B | $137.20B |
| Net Income (TTM) | $4.06B | $1.13B |
| Gross Margin | 35.8% | 14.0% |
| Operating Margin | 13.8% | 1.0% |
| Forward P/E | 10.1x | 27.7x |
| Total Debt | $4.37B | $12.94B |
| Cash & Equiv. | $133M | $4.20B |
HIG vs HUM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
HIG
HUM
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| The Hartford Financ… (HIG) | 100 | 346.5 | +246.5% |
| Humana Inc. (HUM) | 100 | 60.2 | -39.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: HIG vs HUM
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 valuation and capital efficiency and profitability and margin quality. Humana Inc. is the stronger pick specifically for growth and revenue expansion. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
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 long-term compounding.
- Dividend streak 15 yrs, beta 0.29, yield 1.6%
- 233.5% 10Y total return vs HUM's 59.8%
- Lower volatility, beta 0.29, Low D/E 23.0%, current ratio 17.65x
Best for: income & stability and long-term compounding
HUM
Humana Inc.
The Insurance Pick
HUM is the clearest fit if your priority is growth exposure.
- Rev growth 10.1%, EPS growth -1.4%, 3Y rev CAGR 11.7%
- 10.1% revenue growth vs HIG's 7.1%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HUM | 10.1% revenue growth vs HIG's 7.1% |
| Value | HIG | Lower P/E (10.1x vs 27.7x) |
| Quality / Margins | HIG | Combined ratio 0.8 vs HUM's 1.0 (lower = better underwriting) |
| Stability / Safety | HIG | Beta 0.29 vs HUM's 0.56, lower leverage |
| Dividends | HIG | 1.6% yield, 15-year raise streak, vs HUM's 1.4% |
| Momentum (1Y) | HIG | +5.6% vs HUM's -1.0% |
| Efficiency (ROA) | HIG | 4.8% ROA vs HUM's 2.2%, ROIC 16.3% vs 4.1% |
HIG vs HUM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2022
FY 2025
HIG vs HUM — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHIGLAGGINGHUM
HUMHumana Inc.
0leads
HIGThe Hartford Financia…
6leads
6 Total Categories
CATEGORYLEADERvs HUMMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HIG5/6
Valuation MetricsMultiples, price ratios, and targets
HIG4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HIG9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
HIG6/6
Risk & VolatilityBeta, volatility, and downside exposure
HIG2/2
Analyst OutlookRatings, price targets, and dividends
HIG2/2
Income & Cash Flow (Last 12 Months)
HIG leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
HUM is the larger business by revenue, generating $137.2B annually — 4.8x HIG's $28.8B. HIG is the more profitable business, keeping 14.1% of every revenue dollar as net income compared to HUM's 0.8%. On growth, HUM holds the edge at +23.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | HIGThe Hartford Fina… | HUMHumana Inc. |
|---|---|---|
| RevenueTrailing 12 months | $28.8B | $137.2B |
| EBITDAEarnings before interest/tax | $4.3B | $2.2B |
| Net IncomeAfter-tax profit | $4.1B | $1.1B |
| Free Cash FlowCash after capex | $5.8B | $1.3B |
| Gross MarginGross profit ÷ Revenue | +35.8% | +14.0% |
| Operating MarginEBIT ÷ Revenue | +13.8% | +1.0% |
| Net MarginNet income ÷ Revenue | +14.1% | +0.8% |
| FCF MarginFCF ÷ Revenue | +20.2% | +0.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +6.1% | +23.5% |
| EPS Growth (YoY)Latest quarter vs prior year | +40.9% | -4.6% |
HIG leads this category, winning 5 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 60% valuation discount to HUM's 25.1x P/E. On an enterprise value basis, HIG's 7.9x EV/EBITDA is more attractive than HUM's 16.9x.
| Metric | HIGThe Hartford Fina… | HUMHumana Inc. |
|---|---|---|
| Market CapShares × price | $36.5B | $29.7B |
| Enterprise ValueMkt cap + debt − cash | $40.7B | $38.4B |
| Trailing P/EPrice ÷ TTM EPS | 9.96x | 25.12x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.06x | 27.68x |
| PEG RatioP/E ÷ EPS growth rate | 0.44x | — |
| EV / EBITDAEnterprise value multiple | 7.90x | 16.87x |
| Price / SalesMarket cap ÷ Revenue | 1.29x | 0.23x |
| Price / BookPrice ÷ Book value/share | 2.00x | 1.68x |
| Price / FCFMarket cap ÷ FCF | 6.34x | 79.13x |
HIG leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
HIG leads this category, winning 9 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 $6 for HUM. HIG carries lower financial leverage with a 0.23x debt-to-equity ratio, signaling a more conservative balance sheet compared to HUM's 0.73x. On the Piotroski fundamental quality scale (0–9), HIG scores 9/9 vs HUM's 5/9, reflecting strong financial health.
| Metric | HIGThe Hartford Fina… | HUMHumana Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +22.0% | +6.2% |
| ROA (TTM)Return on assets | +4.8% | +2.2% |
| ROICReturn on invested capital | +16.3% | +4.1% |
| ROCEReturn on capital employed | +5.7% | +4.0% |
| Piotroski ScoreFundamental quality 0–9 | 9 | 5 |
| Debt / EquityFinancial leverage | 0.23x | 0.73x |
| Net DebtTotal debt minus cash | $4.2B | $8.7B |
| Cash & Equiv.Liquid assets | $133M | $4.2B |
| Total DebtShort + long-term debt | $4.4B | $12.9B |
| Interest CoverageEBIT ÷ Interest expense | 20.73x | 3.08x |
HIG leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
HIG leads this category, winning 6 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 $5,674 for HUM. Over the past 12 months, HIG leads with a +5.6% total return vs HUM's -1.0%. The 3-year compound annual growth rate (CAGR) favors HIG at 25.3% vs HUM's -21.7% — a key indicator of consistent wealth creation.
| Metric | HIGThe Hartford Fina… | HUMHumana Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -2.8% | -6.2% |
| 1-Year ReturnPast 12 months | +5.6% | -1.0% |
| 3-Year ReturnCumulative with dividends | +96.9% | -51.9% |
| 5-Year ReturnCumulative with dividends | +112.7% | -43.3% |
| 10-Year ReturnCumulative with dividends | +233.5% | +59.8% |
| CAGR (3Y)Annualised 3-year return | +25.3% | -21.7% |
HIG leads this category, winning 6 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 HUM's 0.56 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 HUM's 78.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | HIGThe Hartford Fina… | HUMHumana Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.29x | 0.56x |
| 52-Week HighHighest price in past year | $144.50 | $315.35 |
| 52-Week LowLowest price in past year | $119.61 | $163.11 |
| % of 52W HighCurrent price vs 52-week peak | +91.8% | +78.4% |
| RSI (14)Momentum oscillator 0–100 | 41.4 | 76.6 |
| Avg Volume (50D)Average daily shares traded | 1.4M | 1.6M |
HIG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
HIG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates HIG as "Buy" and HUM as "Hold". Consensus price targets imply 14.6% upside for HIG (target: $152) vs -0.5% for HUM (target: $246). For income investors, HIG offers the higher dividend yield at 1.56% vs HUM's 1.44%.
| Metric | HIGThe Hartford Fina… | HUMHumana Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $152.00 | $246.00 |
| # AnalystsCovering analysts | 42 | 44 |
| Dividend YieldAnnual dividend ÷ price | +1.6% | +1.4% |
| Dividend StreakConsecutive years of raises | 15 | 0 |
| Dividend / ShareAnnual DPS | $2.07 | $3.56 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.4% | +0.5% |
HIG leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
HIG leads in 6 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics.
Best OverallThe Hartford Financial Serv… (HIG)Leads 6 of 6 categories
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HIG vs HUM: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is HIG or HUM a better buy right now?
For growth investors, Humana Inc.
(HUM) is the stronger pick with 10. 1% revenue growth year-over-year, versus 7. 1% for The Hartford Financial Services Group, Inc. (HIG). 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 The Hartford Financial Services Group, Inc. (HIG) a "Buy" — based on 42 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 — HIG or HUM?
On trailing P/E, The Hartford Financial Services Group, Inc.
(HIG) is the cheapest at 10. 0x versus Humana Inc. at 25. 1x. On forward P/E, The Hartford Financial Services Group, Inc. is actually cheaper at 10. 1x.
03Which is the better long-term investment — HIG or HUM?
Over the past 5 years, The Hartford Financial Services Group, Inc.
(HIG) delivered a total return of +112. 7%, compared to -43. 3% for Humana Inc. (HUM). Over 10 years, the gap is even starker: HIG returned +233. 5% versus HUM's +59. 8%. 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 — HIG or HUM?
By beta (market sensitivity over 5 years), The Hartford Financial Services Group, Inc.
(HIG) is the lower-risk stock at 0. 29β versus Humana Inc. 's 0. 56β — meaning HUM is approximately 92% more volatile than HIG relative to the S&P 500. On balance sheet safety, The Hartford Financial Services Group, Inc. (HIG) carries a lower debt/equity ratio of 23% versus 73% for Humana Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — HIG or HUM?
By revenue growth (latest reported year), Humana Inc.
(HUM) is pulling ahead at 10. 1% versus 7. 1% for The Hartford Financial Services Group, Inc. (HIG). On earnings-per-share growth, the picture is similar: The Hartford Financial Services Group, Inc. grew EPS 28. 7% year-over-year, compared to -1. 4% for Humana Inc.. Over a 3-year CAGR, HUM leads at 11. 7% 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 — HIG or HUM?
The Hartford Financial Services Group, Inc.
(HIG) is the more profitable company, earning 13. 6% net margin versus 0. 9% for Humana 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. 1% for HUM. 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 HIG or HUM more undervalued right now?
On forward earnings alone, The Hartford Financial Services Group, Inc.
(HIG) trades at 10. 1x forward P/E versus 27. 7x for Humana Inc. — 17. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HIG: 14. 6% to $152. 00.
08Which pays a better dividend — HIG or HUM?
All stocks in this comparison pay dividends.
The Hartford Financial Services Group, Inc. (HIG) offers the highest yield at 1. 6%, versus 1. 4% for Humana Inc. (HUM).
09Is HIG or HUM 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%, HUM: +59. 8%), 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 HIG and HUM?
These companies operate in different sectors (HIG (Financial Services) and HUM (Healthcare)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: HIG is a mid-cap deep-value stock; HUM is a mid-cap quality compounder 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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