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AIZ vs HIG
Which Stock Would AI Choose? Assurant (AIZ) vs. The Hartford (HIG) Stock Comparison
Key Takeaways
- Assurant (AIZ) is a specialty protection insurer with a capital-light, fee-based model tied to connected devices, homes, and autos, while The Hartford (HIG) is a diversified property and casualty (P&C) and group benefits carrier.
- Assurant has posted record earnings in recent quarters and raised its full-year outlook, supported by strength in its Global Lifestyle and Global Housing segments.
- The Hartford is refocusing on core insurance, selling its Hartford Funds business to Wellington for about $1.9 billion and acquiring Equitable's Employee Benefits unit.
- Relative performance has diverged: Assurant has trended toward 52-week highs, while The Hartford's shares have cooled from earlier peaks.
- Both companies maintain active buyback and dividend programs, but their growth drivers and risk profiles differ meaningfully.
Introduction
Assurant and The Hartford both operate in the insurance sector, yet they serve very different niches and investors often weigh them as contrasting ways to gain exposure to the same industry. This stock comparison is most relevant to traders and investors evaluating relative performance, market positioning, and growth durability between a specialty, fee-oriented protection business and a traditional commercial and personal lines carrier. Understanding how each company generates earnings, deploys capital, and responds to industry pricing cycles can help clarify which profile better matches a given strategy or risk tolerance.
AIZ Overview and Recent Performance
AIZ, or Assurant, is a global provider of protection products and services, operating primarily through two segments: Global Lifestyle, which covers mobile devices, consumer electronics, and vehicles, and Global Housing, which includes lender-placed and renters insurance. Its business model is built around long-term partnerships with major brands and a recurring, fee-based revenue stream rather than traditional underwriting of large commercial risks.
Recent market activity has been favorable. Assurant reported record earnings in its most recent quarters, with adjusted earnings per share (EPS) rising sharply year over year and revenue growing at a high-single-digit pace. Management raised its full-year outlook, citing momentum in Connected Living and Global Automotive, as well as lower reportable catastrophe losses in Global Housing. The company has also accelerated share repurchases and maintained a dividend, while analysts have issued several constructive ratings and price target increases. This combination of earnings momentum and capital return has pushed the stock toward recent highs, though some observers note the valuation has become richer relative to its historical range.
HIG Overview and Recent Performance
HIG, The Hartford Financial Services Group, is a diversified insurer with a substantial presence in commercial P&C (property and casualty) coverage, personal lines, and group benefits (disability, life, and supplemental health). It also historically operated an asset-management arm, Hartford Funds. Unlike Assurant's specialty focus, The Hartford competes across broad underwriting markets and carries more direct exposure to pricing cycles and catastrophe losses.
Recent performance reflects a company in strategic transition. The Hartford reported solid operating results, with core EPS and book value per share increasing, driven by P&C premium growth and higher net investment income. It agreed to sell Hartford Funds to Wellington for roughly $1.9 billion and separately announced an acquisition in the employee benefits space, signaling a sharper focus on core insurance. Despite these moves, shares have retreated from prior highs in recent weeks amid concerns about softening P&C pricing and elevated catastrophe activity, and some analysts have trimmed price targets. The stock's valuation, however, remains lower on an earnings multiple basis than many peers.
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Head-to-Head Comparison
The clearest contrast between the two companies is their business model. Assurant leans on embedded, fee-based protection tied to devices and housing, giving it relatively stable earnings and less sensitivity to the underwriting cycle. The Hartford, by comparison, depends more heavily on traditional P&C underwriting and group benefits, where pricing competition, reserve development, and catastrophe losses play a larger role in quarterly results.
Growth drivers also differ. Assurant's momentum stems from device protection subscriber growth, automotive partnerships, and improving housing results, while The Hartford is focused on disciplined underwriting, expanding personal lines through its Prevail product, and growing small and mid-market commercial business. On risk factors, Assurant faces regulatory scrutiny around lender-placed housing products and competitive pressure in mobile protection, whereas The Hartford is exposed to catastrophe events and a potentially softening P&C cycle.
In terms of relative performance, Assurant has shown stronger recent momentum, trending upward on record earnings, while The Hartford has consolidated after a multi-year run, with its lower price-to-earnings ratio reflecting more conservative market expectations. Both return capital to shareholders, but the market is currently assigning a premium to Assurant's steadier, fee-driven profile.
Tickeron AI Verdict
Based on observable trend consistency, earnings catalysts, and relative positioning, Tickeron's AI would likely favor Assurant in the current environment. The stock's combination of record results, an upgraded outlook, and sustained upward momentum points to a more consistent trend than The Hartford, which is navigating a strategic transition and softer pricing backdrop. That said, The Hartford's lower valuation and refocused core business could appeal under a rotation or mean-reversion scenario. As with any probabilistic assessment, the preference reflects current momentum and stability rather than a definitive forecast, and conditions can shift as new earnings and sector data emerge.
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.
AIZ's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for AIZ turned positive on October 08, 2026. Looking at past instances where AIZ's MACD turned positive, the stock continued to rise in 37 of 50 cases over the following month. The odds of a continued upward trend are 74%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where AIZ's RSI Indicator exited the oversold zone, 12 of 19 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 63%.
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 54 of 90 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 60%.
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.
Following a +1.33% 3-day Advance, the price is estimated to grow further. Considering data from situations where AIZ advanced for three days, in 195 of 360 cases, the price rose further within the following month. The odds of a continued upward trend are 54%.
Bearish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 5 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
The 10-day moving average for AIZ crossed bearishly below the 50-day moving average on September 22, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 7 of 13 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 54%.
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 October 14, 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.
The Aroon Indicator for AIZ entered a downward trend on October 08, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Price Growth Rating for this company is 22 (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 26 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 53, placing this stock better than average.
The Tickeron Valuation Rating of 53 (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 (2.300) is normal, around the industry mean (-1.862). P/E Ratio (13.455) is within average values for comparable stocks, (9.348). Projected Growth (PEG Ratio) (1.030) is also within normal values, averaging (3.303). Dividend Yield (0.012) settles around the average of (0.026) among similar stocks. P/S Ratio (1.064) is also within normal values, averaging (1.594).
The Tickeron PE Growth Rating for this company is 54 (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 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 in upward trend: price expected to rise as it breaks its lower Bollinger Band on September 17, 2026
HIG may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options. In 21 of 32 cases where HIG's price broke its lower Bollinger Band, its price rose further in the following month. The odds of a continued upward trend are 66%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 07, 2026. You may want to consider a long position or call options on HIG as a result. In 48 of 94 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 51%.
The Moving Average Convergence Divergence (MACD) for HIG just turned positive on October 07, 2026. Looking at past instances where HIG's MACD turned positive, the stock continued to rise in 26 of 49 cases over the following month. The odds of a continued upward trend are 53%.
HIG moved above its 50-day moving average on October 16, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +2.40% 3-day Advance, the price is estimated to grow further. Considering data from situations where HIG advanced for three days, in 197 of 355 cases, the price rose further within the following month. The odds of a continued upward trend are 55%.
Bearish Trend Analysis
The 10-day RSI Indicator for HIG moved out of overbought territory on October 21, 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 44 similar instances where the indicator moved out of overbought territory. In 21 of the 44 cases, the stock moved lower in the following days. This puts the odds of a move lower at 48%.
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 10 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
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 47%.
The Aroon Indicator for HIG entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 7 (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 46 (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 (1.906) is normal, around the industry mean (1.606). P/E Ratio (8.679) is within average values for comparable stocks, (13.530). Projected Growth (PEG Ratio) (0.540) is also within normal values, averaging (0.465). Dividend Yield (0.018) settles around the average of (0.062) 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 48 (best 1 - 100 worst), indicating steady price growth. HIG’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 68 (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 Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued 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 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 | 28 | 34 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 53 Fair valued | 46 Fair valued | |
PROFIT vs RISK RATING 1..100 | 26 | 7 | |
SMR RATING 1..100 | 84 | 91 | |
PRICE GROWTH RATING 1..100 | 22 | 48 | |
P/E GROWTH RATING 1..100 | 54 | 68 | |
SEASONALITY SCORE 1..100 | n/a | 75 |
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 (46) in the Multi Line Insurance industry is in the same range as AIZ (53) 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 (7) in the Multi Line Insurance industry is in the same range as AIZ (26) 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 (22) in the Specialty Insurance industry is in the same range as HIG (48) in the Multi Line Insurance industry. This means that AIZ’s stock grew similarly to HIG’s over the last 12 months.
AIZ's P/E Growth Rating (54) in the Specialty Insurance industry is in the same range as HIG (68) in the Multi Line Insurance industry. This means that AIZ’s stock grew similarly to HIG’s over the last 12 months.
| AIZ | HIG | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 63% | 2 days ago 48% |
| Stochastic ODDS (%) | 2 days ago 45% | 2 days ago 43% |
| Momentum ODDS (%) | 2 days ago 60% | 2 days ago 51% |
| MACD ODDS (%) | 2 days ago 74% | 2 days ago 53% |
| TrendWeek ODDS (%) | 2 days ago 58% | 2 days ago 53% |
| TrendMonth ODDS (%) | 2 days ago 58% | 2 days ago 51% |
| Advances ODDS (%) | 2 days ago 54% | 7 days ago 55% |
| Declines ODDS (%) | 29 days ago 44% | 23 days ago 47% |
| BollingerBands ODDS (%) | 2 days ago 37% | 4 days ago 66% |
| Aroon ODDS (%) | 2 days ago 54% | 2 days ago 40% |
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 5 TA indicator(s) are bullish while HIG’s TA Score has 5 bullish TA indicator(s).
- AIZ’s TA Score: 5 bullish, 5 bearish.
- HIG’s TA Score: 5 bullish, 5 bearish.
Price Growth
AIZ (@Property/Casualty Insurance) experienced а +2.88% price change this week, while HIG (@Multi-Line Insurance) price change was +2.93% for the same time period.
The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was +3.54%. For the same industry, the average monthly price growth was +7.26%, and the average quarterly price growth was +19.14%.
The average weekly price growth across all stocks in the @Multi-Line Insurance industry was +1.99%. For the same industry, the average monthly price growth was +2.20%, and the average quarterly price growth was -0.55%.
Reported Earning Dates
AIZ is expected to report earnings on Nov 03, 2026.
HIG is expected to report earnings on Oct 26, 2026.
Industries' Descriptions
@Property/Casualty Insurance (+3.54% 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 (+1.99% 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.