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 3 of 5 key metrics in this comparison. ALL leads on both 1-year return (+32.65%) and forward P/E quality (9.51x vs 9.97x for HIG), a relatively favorable combination of momentum and valuation. On fundamentals, HIG is growing revenue faster (6.10%), while ALL maintains the higher operating margin (18.95%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for HIG (+7.40%) than for ALL (-0.31%).
- →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 | 52.0 | 49.5 |
| AI rank | #394 | #540 |
| Latest close | $140.78 | $256.45 |
| 1M return | +8.61% | +15.71% |
| 6M return | +3.32% | +20.85% |
| 1Y return | +16.40% | +32.65% |
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 | $11.45K (+14.5%) started 2025-07-14 | $13.07K (+30.7%) started 2025-07-14 |
| 5Y ago | $26.35K (+163.5%) started 2021-07-14 | $23.66K (+136.6%) started 2021-07-14 |
| 10Y ago | $48.22K (+382.2%) started 2016-07-14 | $55.77K (+457.7%) started 2016-07-14 |
Hypothetical — past performance does not guarantee future results.
| Metric | HIG | ALL |
|---|---|---|
| Market cap | $38.04B | $64.77B |
| Trailing P/E | 9.77 | 5.57 |
| Forward P/E | 9.97 | 9.51 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 1.33 | 1.01 |
| Analyst target | $149.05 | $250.82 |
| Target upside | +7.40% | -0.31% |
| Metric | HIG | ALL |
|---|---|---|
| Revenue growth | 6.10% | 3.00% |
| Earnings growth | 41.40% | 338.40% |
| EPS growth | +41.40% | +338.40% |
| FCF margin | +19.46% | +18.23% |
| Operating margin | 15.30% | 18.95% |
| Profit margin | 14.11% | 17.81% |
| ROIC proxy | 22.74% | 45.22% |
| Return on equity | 22.74% | 45.22% |
| Dividend yield | 1.73% | 1.72% |
| Beta | 0.47 | 0.17 |
| Debt/equity | 23.15 | 23.72 |
| Current ratio | 1.79 | 0.36 |
| Quick ratio | 1.06 | 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 | +14.54% | +30.71% |
| CAGR | +14.60% | +30.85% | |
| Sharpe ratio | 0.58 | 1.06 | |
| Max drawdown | 12.26% | 11.48% | |
| Max daily drop | 3.70% | 5.28% | |
| Max wkly drop | 6.95% | 9.39% | |
| 5Y | Growth | +142.74% | +114.21% |
| CAGR | +19.42% | +16.47% | |
| Sharpe ratio | 0.72 | 0.55 | |
| Max drawdown | 18.63% | 27.35% | |
| Max daily drop | 8.00% | 12.90% | |
| Max wkly drop | 13.80% | 12.82% | |
| 10Y | Growth | +289.74% | +349.97% |
| CAGR | +14.58% | +16.24% | |
| Sharpe ratio | 0.46 | 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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