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AIZ vs HIG
Which Stock Would AI Choose? Assurant (AIZ) vs. The Hartford (HIG) Stock Comparison
Key Takeaways
- Different market positions: AIZ (Assurant) is a specialty protection-products provider, while HIG (The Hartford) is a diversified property and casualty (P&C) insurer with a much larger market capitalization.
- Strong recent earnings: Both companies posted better-than-expected results in recent quarters, with each raising its dividend and demonstrating improving underwriting profitability.
- Relative momentum: AIZ has climbed toward all-time highs on double-digit earnings growth, while HIG has also reached record territory, supported by a sharp rebound in quarterly profit.
- Scale difference: The Hartford's roughly $36–37 billion market cap is more than three times Assurant's roughly $10–11 billion valuation, reflecting different growth and risk profiles.
- Risk considerations: AIZ carries meaningful exposure to catastrophe and housing-related losses, whereas HIG's results are sensitive to P&C pricing and catastrophe seasons.
- For additional detail on each name, explore AIZ Major News and AIZ Today's Price Move, as well as HIG Major News and HIG Today's Price Move.
- To see how automated systems are positioning across the market, explore Trending AI Robots.
Introduction
Assurant (AIZ) and The Hartford (HIG) are both U.S.-listed insurers, but they operate with very different business models, scales, and risk exposures. Assurant specializes in protection products tied to connected devices, homes, and vehicles, while The Hartford is a diversified property and casualty insurer serving businesses and individuals. This stock comparison is relevant for investors and traders evaluating relative performance, growth drivers, and market positioning within the insurance sector. Understanding how these two names differ in revenue mix, underwriting results, and recent momentum can help market participants assess which profile better fits their objectives.
AIZ Overview and Recent Performance
Assurant, Inc., headquartered in Atlanta, Georgia, is a global risk-management and protection-services provider. It operates primarily through two segments: Global Lifestyle, which offers mobile-device protection, extended service contracts, and vehicle protection, and Global Housing, which provides lender-placed, renters, and homeowners insurance solutions. In recent quarters, the company has delivered notable earnings growth, with adjusted earnings per share (EPS) exceeding analyst expectations and revenue rising at a high-single-digit pace year over year.
Recent market activity has reflected improving sentiment toward the stock. Assurant has authorized a share-repurchase program and increased its quarterly dividend, signaling management confidence in cash generation. The shares have trended upward toward all-time highs, supported by strength in the Global Lifestyle segment and disciplined expense management. A key influence on performance has been the company's catastrophe-reinsurance program, which helps limit downside from severe weather events in the housing segment.
HIG Overview and Recent Performance
The Hartford, based in Hartford, Connecticut, is a diversified insurance and financial-services company serving individuals and businesses across the United States, the United Kingdom, and internationally. Its segments include Business Insurance, Personal Insurance, Employee Benefits, Property & Casualty Other Operations, and Hartford Funds. The company is substantially larger than Assurant, with a market capitalization above $36 billion.
Recent quarters have featured a sharp rebound in profitability. The Hartford reported strong year-over-year growth in net income and core earnings per share, driven by improved P&C underwriting results and higher net investment income. Its business-insurance segment posted an improved combined ratio — a key measure of underwriting profitability where lower is better — supported by favorable prior-year reserve development and a relatively quiet catastrophe season. The company also announced a dividend increase, and its shares have traded near record highs in recent weeks.
Trending AI Robots
Tickeron's Trending AI Robots page showcases a curated selection of automated trading systems designed to identify opportunities across thousands of tickers. While Tickeron offers hundreds of AI trading bots, only those considered most suitable for current market conditions earn a place in this featured section. The bots vary widely in trading style, strategy, timeframe, performance history, and the specific tickers they monitor, allowing users to compare different approaches side by side. By focusing on a rotating set of high-potential systems, the page helps traders filter through a large universe of automated strategies. Readers interested in systematic, data-driven market analysis can explore Trending AI Robots to review the available bots and their recent statistics.
Head-to-Head Comparison
The clearest contrast between the two companies is scale and business mix. The Hartford's diversified P&C, employee-benefits, and asset-management operations generate a much larger revenue base, while Assurant's specialty protection focus ties its results more directly to consumer-device, vehicle, and housing trends. Growth drivers also differ: Assurant benefits from device-protection penetration and fee-based service expansion, whereas The Hartford leans on commercial-lines pricing, premium growth, and investment income.
On risk factors, both names face catastrophe exposure, though Assurant's Global Housing segment is particularly sensitive to severe weather and reinsurance-retention thresholds. The Hartford's underwriting results are influenced by P&C pricing cycles and catastrophe frequency. In terms of recent momentum, both stocks have performed well, but Assurant has shown comparatively stronger relative strength against benchmarks in recent months, while The Hartford has delivered steadier, lower-beta price action with a larger analyst coverage base. Market sentiment toward both remains generally constructive, with each carrying a consensus "Moderate Buy" rating among covering analysts.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely give a modest edge to AIZ in the current environment. Assurant's stronger recent relative momentum, double-digit earnings growth, and trend toward record highs suggest more consistent positive trend alignment. However, HIG presents a compelling profile of its own, with greater scale, diversification, and a sharp improvement in underwriting profitability. A probabilistic assessment would favor Assurant on momentum and growth trajectory, while recognizing The Hartford's advantages in stability and breadth of operations. The outcome depends on which factors — trend strength versus diversification — carry greater weight in any given market regime.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is AIZ is a StrongBuy and HIG is a StrongBuy.
Aroon Indicator for AIZ shows an upward move is likely
AIZ's Aroon Indicator triggered a bullish signal on November 10, 2026. Tickeron's A.I.dvisor detected that the AroonUp green line is above 70 while the AroonDown red line is below 30. When the up indicator moves above 70 and the down indicator remains below 30, it is a sign that the stock could be setting up for a bullish move. Traders may want to buy the stock or look to buy calls options. A.I.dvisor looked at 216 similar instances where the Aroon Indicator showed a similar pattern. In 137 of the 216 cases, the stock moved higher in the days that followed. This puts the odds of a move higher at 63%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 08, 2026. You may want to consider a long position or call options on AIZ as a result. In 53 of 89 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 60%.
The Moving Average Convergence Divergence (MACD) for AIZ just turned positive on October 08, 2026. Looking at past instances where AIZ's MACD turned positive, the stock continued to rise in 28 of 48 cases over the following month. The odds of a continued upward trend are 58%.
AIZ moved above its 50-day moving average on October 15, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for AIZ crossed bullishly above the 50-day moving average on October 22, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 6 of 13 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 46%.
Following a +4.94% 3-day Advance, the price is estimated to grow further. Considering data from situations where AIZ advanced for three days, in 195 of 359 cases, the price rose further within the following month. The odds of a continued upward trend are 54%.
Bearish Trend Analysis
The RSI Indicator demonstrates that the ticker has stayed in the overbought zone for 6 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 19 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where AIZ declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 44%.
AIZ broke above its upper Bollinger Band on November 09, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron Price Growth Rating for this company is 8 (best 1 - 100 worst), indicating outstanding price growth. AIZ’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 15 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 50, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 38 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 59 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (2.483) is normal, around the industry mean (-2.070). P/E Ratio (14.529) is within average values for comparable stocks, (9.942). Projected Growth (PEG Ratio) (1.030) is also within normal values, averaging (3.303). Dividend Yield (0.011) settles around the average of (0.027) among similar stocks. P/S Ratio (1.064) is also within normal values, averaging (1.594).
The Tickeron SMR rating for this company is 84 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
HIG sees its Stochastic Oscillator recovers from oversold territory
On November 02, 2026, the Stochastic Oscillator for HIG moved out of oversold territory and this could be a bullish sign for the stock. Traders may want to buy the stock or buy call options. Tickeron's A.I.dvisor looked at 48 instances where the indicator left the oversold zone. In 29 of the 48 cases the stock moved higher in the following days. This puts the odds of a move higher at over 60%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on November 10, 2026. You may want to consider a long position or call options on HIG as a result. In 50 of 94 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 53%.
The Moving Average Convergence Divergence (MACD) for HIG just turned positive on November 02, 2026. Looking at past instances where HIG's MACD turned positive, the stock continued to rise in 28 of 49 cases over the following month. The odds of a continued upward trend are 57%.
HIG moved above its 50-day moving average on November 02, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for HIG crossed bullishly above the 50-day moving average on October 22, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 10 of 18 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 56%.
Following a +2.84% 3-day Advance, the price is estimated to grow further. Considering data from situations where HIG advanced for three days, in 201 of 357 cases, the price rose further within the following month. The odds of a continued upward trend are 56%.
The Aroon Indicator entered an Uptrend today. In 171 of 326 cases where HIG Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 52%.
Bearish Trend Analysis
The 10-day RSI Indicator for HIG moved out of overbought territory on October 23, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 42 similar instances where the indicator moved out of overbought territory. In 16 of the 42 cases, the stock moved lower in the following days. This puts the odds of a move lower at 38%.
The 50-day moving average for HIG moved below the 200-day moving average on October 09, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where HIG declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 48%.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 6 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 57, placing this stock better than average.
The Tickeron Valuation Rating of 45 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.881) is normal, around the industry mean (1.586). P/E Ratio (8.562) is within average values for comparable stocks, (13.804). Projected Growth (PEG Ratio) (0.540) is also within normal values, averaging (0.465). Dividend Yield (0.018) settles around the average of (0.061) among similar stocks. P/S Ratio (1.313) is also within normal values, averaging (1.806).
The Tickeron Price Growth Rating for this company is 50 (best 1 - 100 worst), indicating fairly steady price growth. HIG’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 71 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 91 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
AIZ | HIG | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 46 | 29 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 59 Fair valued | 45 Fair valued | |
PROFIT vs RISK RATING 1..100 | 15 | 6 | |
SMR RATING 1..100 | 84 | 91 | |
PRICE GROWTH RATING 1..100 | 8 | 50 | |
P/E GROWTH RATING 1..100 | 38 | 71 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
HIG's Valuation (45) in the Multi Line Insurance industry is in the same range as AIZ (59) in the Specialty Insurance industry. This means that HIG’s stock grew similarly to AIZ’s over the last 12 months.
HIG's Profit vs Risk Rating (6) in the Multi Line Insurance industry is in the same range as AIZ (15) in the Specialty Insurance industry. This means that HIG’s stock grew similarly to AIZ’s over the last 12 months.
AIZ's SMR Rating (84) in the Specialty Insurance industry is in the same range as HIG (91) in the Multi Line Insurance industry. This means that AIZ’s stock grew similarly to HIG’s over the last 12 months.
AIZ's Price Growth Rating (8) in the Specialty Insurance industry is somewhat better than the same rating for HIG (50) in the Multi Line Insurance industry. This means that AIZ’s stock grew somewhat faster than HIG’s over the last 12 months.
AIZ's P/E Growth Rating (38) in the Specialty Insurance industry is somewhat better than the same rating for HIG (71) in the Multi Line Insurance industry. This means that AIZ’s stock grew somewhat faster than HIG’s over the last 12 months.
| AIZ | HIG | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 41% | 2 days ago 38% |
| Stochastic ODDS (%) | 2 days ago 42% | 2 days ago 60% |
| Momentum ODDS (%) | 3 days ago 60% | 2 days ago 53% |
| MACD ODDS (%) | 3 days ago 58% | 2 days ago 57% |
| TrendWeek ODDS (%) | 2 days ago 59% | 2 days ago 54% |
| TrendMonth ODDS (%) | 2 days ago 58% | 2 days ago 51% |
| Advances ODDS (%) | 2 days ago 54% | 2 days ago 56% |
| Declines ODDS (%) | 15 days ago 44% | 6 days ago 48% |
| BollingerBands ODDS (%) | 2 days ago 35% | N/A |
| Aroon ODDS (%) | 2 days ago 63% | 2 days ago 52% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
AIZ’s FA Score shows that 2 FA rating(s) are green while HIG’s FA Score has 1 green FA rating(s).
- AIZ’s FA Score: 2 green, 3 red.
- HIG’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
AIZ’s TA Score shows that 6 TA indicator(s) are bullish while HIG’s TA Score has 7 bullish TA indicator(s).
- AIZ’s TA Score: 6 bullish, 4 bearish.
- HIG’s TA Score: 7 bullish, 3 bearish.
Price Growth
AIZ (@Property/Casualty Insurance) experienced а +8.79% price change this week, while HIG (@Multi-Line Insurance) price change was +2.13% for the same time period.
The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was -0.68%. For the same industry, the average monthly price growth was +7.44%, and the average quarterly price growth was +23.32%.
The average weekly price growth across all stocks in the @Multi-Line Insurance industry was -2.70%. For the same industry, the average monthly price growth was +3.74%, and the average quarterly price growth was +1.80%.
Reported Earning Dates
AIZ is expected to report earnings on Feb 09, 2027.
HIG is expected to report earnings on Feb 04, 2027.
Industries' Descriptions
@Property/Casualty Insurance (-0.68% weekly)Property and casualty companies insure against accidents of non-physical harm, such as lawsuits, damage to personal assets, car crashes and more. Progressive Corporation, Travelers Companies, Inc. and Allstate Corporation are some of the biggest providers of such products.
@Multi-Line Insurance (-2.70% weekly)A multi-line insurance contract bundles together exposures to risk and covers them under a single contract. For providers of such policies, the bundle is a potential risk diversification strategy since their exposure gets spread over several factors, which helps them mitigate a financial burden if a catastrophic event were to occur. Other potential benefits include getting more premiums from including more than one type of insurance in a bundle, and getting a competitive edge by procuring multiple insurance contracts with a customer. Examples of companies in this industry are Berkshire Hathaway (which owns several insurance companies), Chubb Limited, American International Group, Inc. and Sun Life Financial Inc.
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AIZ and
Correlation & Price change
A.I.dvisor indicates that over the last year, AIZ has been closely correlated with AXS. These tickers have moved in lockstep 74% of the time. This A.I.-generated data suggests there is a high statistical probability that if AIZ jumps, then AXS could also see price increases.
HIG and
Correlation & Price change
A.I.dvisor indicates that over the last year, HIG has been closely correlated with TRV. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if HIG jumps, then TRV could also see price increases.