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CNA vs HIG
Which Stock Would AI Choose? CNA Financial (CNA) vs. The Hartford Financial Services Group (HIG) Stock Comparison
Key Takeaways
- CNA is a commercial property and casualty (P&C) insurer focused on disciplined underwriting, while HIG blends P&C coverage with a large group benefits and employee benefits franchise, creating different growth and risk profiles.
- Both insurers are navigating leadership transitions, with CNA completing its chairman handoff and HIG announcing a planned CEO succession effective 2027.
- HIG has pursued an active portfolio reshaping strategy through acquisitions, a business divestiture, and a large share repurchase program, while CNA has emphasized profitability over premium growth.
- Recent quarters show CNA's underlying combined ratio (a key measure of underwriting profitability) weakening modestly, whereas HIG posted strong core earnings and returns on equity.
- Relative performance has diverged, with both stocks pressured in recent trading but supported by solid long-term shareholder returns.
- For more detail, explore CNA Major News and CNA Today's Price Move, as well as HIG Major News and HIG Today's Price Move.
- To see how algorithmic strategies are positioning across these and other tickers, explore Trending AI Robots.
Introduction
Property and casualty insurers have drawn renewed investor attention as higher interest rates lift investment income while catastrophe losses and reserve trends test underwriting discipline. CNA and HIG sit in overlapping parts of the commercial insurance market, yet they differ meaningfully in scale, product mix, and capital strategy. This stock comparison is relevant for investors weighing a focused commercial-lines specialist against a diversified P&C and group benefits franchise. By examining recent performance, business models, and market positioning, traders and investors can better assess how each company is positioned for the current rate and underwriting environment.
CNA Overview and Recent Performance
CNA is a Chicago-based commercial insurance holding company and a majority-owned subsidiary of Loews Corporation. Its business centers on commercial property and casualty coverage across specialty, commercial, and international segments, complemented by a smaller life and group operation. CNA has long emphasized disciplined underwriting and favorable pricing over raw premium volume, a strategy that has produced a lengthy run of consistent profitability.
In its most recent quarterly report, CNA posted core income of $324 million, or $1.19 per share, exceeding consensus estimates by roughly 14%, while net investment income rose 6% year over year to $701 million. However, the P&C combined ratio deteriorated to 96.5% from 94.1% a year earlier, and the underlying combined ratio rose to 94.2%, reflecting higher loss ratio selections rather than catastrophe pressure. Net written premiums grew 4%. The company also continued a leadership transition, with Douglas Worman assuming the chairman role following the prior chairman's planned departure. In recent weeks, shares have softened modestly, reflecting investor focus on the margin compression signaled by the higher loss ratio.
HIG Overview and Recent Performance
HIG, based in Hartford, Connecticut, is a diversified insurer with sizable commercial lines, personal lines, and group benefits businesses. Its mix of P&C underwriting and employee benefits gives it a broader revenue base than a pure commercial insurer, along with exposure to small and mid-size employer markets.
The Hartford has been reshaping its portfolio. It completed the acquisition of Equitable's Employee Benefits business, adding roughly $500 million in annual premium and a technology platform, while agreeing to sell its Hartford Funds asset management unit and authorizing a $4.2 billion share repurchase program. In its most recent quarter, core earnings reached $945 million, or $3.42 per share, with an annualized return on equity near 18.7% and book value per share continuing to rise. The company also announced a long-dated succession plan, naming President A. Morris "Mo" Tooker to become CEO in March 2027. Shares have been volatile in recent trading, pressured by broader insurance-sector sentiment despite strong fundamentals.
Trending AI Robots
Tickeron's Trending AI Robots page curates a selection of the platform's best-performing algorithmic trading bots, chosen for their suitability to current market conditions. Tickeron offers hundreds of AI trading bots that collectively trade thousands of different tickers, but only a focused subset earns a place in this curated section. These bots span a wide range of trading styles, strategies, timeframes, performance metrics, statistics, and underlying ticker sets, allowing users to find approaches that match different risk tolerances and market outlooks. The section is designed to help traders identify strategies currently demonstrating strength rather than manually screening the full bot catalog. If you are interested in how automation is navigating names like CNA and HIG, visit the Trending AI Robots page to review the latest selections.
Head-to-Head Comparison
The two companies diverge on several dimensions. CNA is a focused commercial-lines underwriter whose performance hinges on pricing discipline and loss ratio control; its recent higher underlying combined ratio suggests it is absorbing some margin pressure to maintain profitability across soft market segments. HIG, by contrast, benefits from diversification across P&C and group benefits, and its capital strategy is more aggressive, combining an acquisition, a divestiture, and substantial buybacks to reshape earnings per share.
On scale, HIG is meaningfully larger, with quarterly revenue well above CNA's. Growth drivers also differ: HIG is expanding into small and mid-size employer benefits and recycling capital, while CNA is prioritizing new business and renewal pricing within commercial lines. Risk factors include catastrophe exposure and casualty reserve trends for both, though CNA has also carried recurring legacy mass tort reserve charges. Market sentiment has favored neither decisively in recent weeks, with both stocks showing choppy trading despite respectable long-term returns.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely give a modest edge to HIG in the current environment. The Hartford's stronger recent core earnings growth, higher return on equity, diversified revenue base, and active capital management provide multiple catalysts and relatively consistent trend signals. CNA's disciplined underwriting remains a positive, but its rising underlying loss ratio and narrower business mix introduce slightly more uncertainty. This assessment is probabilistic rather than definitive; relative momentum and stability can shift as earnings and market conditions evolve.
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 CNA is a StrongBuy and HIG is a StrongBuy.
CNA in upward trend: 10-day moving average broke above 50-day moving average on October 26, 2026
The 10-day moving average for CNA crossed bullishly above the 50-day moving average on October 26, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 14 of 20 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 70%.
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 CNA as a result. In 56 of 91 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 62%.
CNA moved above its 50-day moving average on November 10, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +1.81% 3-day Advance, the price is estimated to grow further. Considering data from situations where CNA advanced for three days, in 166 of 331 cases, the price rose further within the following month. The odds of a continued upward trend are 50%.
The Aroon Indicator entered an Uptrend today. In 101 of 237 cases where CNA Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 43%.
Bearish Trend Analysis
The 10-day RSI Indicator for CNA 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 38 similar instances where the indicator moved out of overbought territory. In 20 of the 38 cases, the stock moved lower in the following days. This puts the odds of a move lower at 53%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 24 of 62 cases where CNA's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 39%.
The Moving Average Convergence Divergence Histogram (MACD) for CNA turned negative on November 04, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 52 similar instances when the indicator turned negative. In 22 of the 52 cases the stock turned lower in the days that followed. This puts the odds of success at 42%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where CNA 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%.
CNA broke above its upper Bollinger Band on October 22, 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 Profit vs. Risk Rating rating for this company is 23 (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 Valuation Rating of 35 (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 (1.145) is normal, around the industry mean (-2.070). P/E Ratio (10.377) is within average values for comparable stocks, (9.942). Projected Growth (PEG Ratio) (0.060) is also within normal values, averaging (3.303). Dividend Yield (0.041) settles around the average of (0.027) among similar stocks. P/S Ratio (0.881) is also within normal values, averaging (1.594).
The Tickeron Price Growth Rating for this company is 47 (best 1 - 100 worst), indicating fairly steady price growth. CNA’s price grows at a lower rate over the last 12 months as compared to 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 PE Growth Rating for this company is 66 (best 1 - 100 worst), pointing to 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 92 (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's MACD Histogram just turned positive
The Moving Average Convergence Divergence (MACD) for HIG turned positive on November 02, 2026. Looking at past instances where HIG's MACD turned positive, the stock continued to rise in 30 of 49 cases over the following month. The odds of a continued upward trend are 61%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 29 of 48 cases where HIG's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 60%.
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%.
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 Price Growth Rating for this company is 37 (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 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 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.
CNA | HIG | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 31 | 22 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 35 Fair valued | 45 Fair valued | |
PROFIT vs RISK RATING 1..100 | 23 | 6 | |
SMR RATING 1..100 | 92 | 91 | |
PRICE GROWTH RATING 1..100 | 47 | 37 | |
P/E GROWTH RATING 1..100 | 66 | 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.
CNA's Valuation (35) in the Multi Line Insurance industry is in the same range as HIG (45). This means that CNA’s stock grew similarly to HIG’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 CNA (23). This means that HIG’s stock grew similarly to CNA’s over the last 12 months.
HIG's SMR Rating (91) in the Multi Line Insurance industry is in the same range as CNA (92). This means that HIG’s stock grew similarly to CNA’s over the last 12 months.
HIG's Price Growth Rating (37) in the Multi Line Insurance industry is in the same range as CNA (47). This means that HIG’s stock grew similarly to CNA’s over the last 12 months.
CNA's P/E Growth Rating (66) in the Multi Line Insurance industry is in the same range as HIG (71). This means that CNA’s stock grew similarly to HIG’s over the last 12 months.
| CNA | HIG | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 53% | 1 day ago 38% |
| Stochastic ODDS (%) | 1 day ago 39% | 1 day ago 60% |
| Momentum ODDS (%) | 1 day ago 62% | 1 day ago 53% |
| MACD ODDS (%) | 1 day ago 42% | 1 day ago 61% |
| TrendWeek ODDS (%) | 1 day ago 50% | 1 day ago 44% |
| TrendMonth ODDS (%) | 1 day ago 51% | 1 day ago 51% |
| Advances ODDS (%) | 1 day ago 50% | 2 days ago 56% |
| Declines ODDS (%) | 9 days ago 44% | 6 days ago 48% |
| BollingerBands ODDS (%) | 1 day ago 40% | N/A |
| Aroon ODDS (%) | 1 day ago 43% | 1 day 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).
CNA’s FA Score shows that 1 FA rating(s) are green while HIG’s FA Score has 1 green FA rating(s).
- CNA’s FA Score: 1 green, 4 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.
CNA’s TA Score shows that 5 TA indicator(s) are bullish while HIG’s TA Score has 7 bullish TA indicator(s).
- CNA’s TA Score: 5 bullish, 5 bearish.
- HIG’s TA Score: 7 bullish, 3 bearish.
Price Growth
CNA (@Property/Casualty Insurance) experienced а +1.97% 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
CNA is expected to report earnings on Feb 08, 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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CNA and
Correlation & Price change
A.I.dvisor indicates that over the last year, CNA has been closely correlated with L. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if CNA jumps, then L 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.