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HIG vs ORI
Which Stock Would AI Choose? The Hartford Insurance Group (HIG) vs. Old Republic International (ORI) Stock Comparison
Key Takeaways
- HIG commands a larger market capitalization of approximately $38 billion compared to ORI's $10 billion, reflecting greater scale in the property and casualty insurance sector.
- HIG trades at a lower trailing P/E ratio of 10.4 versus ORI's 11.2, suggesting relatively cheaper valuation on earnings.
- ORI offers a higher dividend yield of 3.0% compared to HIG's 1.7%, appealing to income-focused investors.
- Recent one-month performance shows ORI up about 8.4% versus HIG's 2.6%, driven by new business initiatives.
- Year-to-date, both stocks show modest gains around 1-3%, amid steady insurance market conditions.
- HIG benefits from positive analyst revisions ahead of quarterly earnings, while ORI expands via specialty property launches.
Introduction
This stock comparison pits HIG, a diversified multiline insurer, against ORI, a specialty and title insurance provider, both key players in the property and casualty (P&C) sector. Investors seeking exposure to insurance amid volatile markets may weigh HIG's scale and earnings momentum against ORI's higher yield and niche growth. Traders focused on relative performance will note recent divergences in momentum and analyst sentiment, helping inform decisions on sector rotation or dividend strategies in the current environment.
HIG Overview and Recent Performance
The Hartford Insurance Group (HIG), headquartered in Connecticut, delivers property, casualty, group benefits, and mutual fund services to individuals and businesses. Its segments include Business Insurance, Personal Insurance, and Employee Benefits. In recent market activity, HIG has exhibited steady upward momentum, with shares trading around $139 amid a year-to-date gain of over 1%. Influences include analyst price target increases, such as BofA's adjustment to $138, and anticipation for Q1 earnings projecting EPS of $3.29—a 50% year-over-year rise—bolstered by personal lines strength. Partnerships like the UConn heat-risk collaboration have supported positive sentiment, with the stock showing resilience in broader P&C trends.
ORI Overview and Recent Performance
Old Republic International (ORI), based in Chicago, specializes in title insurance alongside accident, health, commercial auto, and workers' compensation coverages through its Specialty Insurance and Title segments. Recent weeks have seen ORI gain traction, with shares near $42 and a one-month rise of over 8%, outpacing peers. Key drivers include the April launch of Old Republic Property Inc. for specialized property risks and the Lodestar brand for claims services, alongside a prior dividend hike. Year-to-date performance hovers around 3%, reflecting adaptation to market shifts, though YTD figures vary with sector pressures. Analyst targets average $42.50, underscoring stable positioning.
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Head-to-Head Comparison
HIG and ORI both anchor the P&C insurance space but diverge in models: HIG's multiline approach spans personal and commercial lines for broader revenue stability, while ORI emphasizes specialty risks and title insurance, offering niche growth but cyclical exposure to real estate. Growth drivers contrast with HIG's personal insurance momentum versus ORI's new property unit. Recent momentum favors ORI's sharper one-month gains, yet HIG shows trend consistency. Risk factors include catastrophe losses for both, with ORI more sensitive to housing via title ops. Market sentiment tilts toward HIG on analyst upgrades, balancing ORI's yield edge.
Tickeron AI Verdict
Tickeron's AI currently leans toward HIG for its superior trend consistency, larger scale, and near-term catalysts like robust earnings outlook and analyst support. While ORI displays stronger short-term momentum and income appeal, HIG's relative stability and positioning suggest higher probability of outperformance in prevailing conditions.
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. Disclaimers and Limitations
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 HIG is a Buy and ORI is a Buy.
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 undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HIG’s FA Score shows that 1 FA rating(s) are green whileORI’s FA Score has 2 green FA rating(s).
- HIG’s FA Score: 1 green, 4 red.
- ORI’s FA Score: 2 green, 3 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.
HIG’s TA Score shows that 5 TA indicator(s) are bullish while ORI’s TA Score has 5 bullish TA indicator(s).
- HIG’s TA Score: 5 bullish, 4 bearish.
- ORI’s TA Score: 5 bullish, 4 bearish.
Price Growth
HIG (@Multi-Line Insurance) experienced а -0.25% price change this week, while ORI (@Property/Casualty Insurance) price change was +1.35% for the same time period.
The average weekly price growth across all stocks in the @Multi-Line Insurance industry was -0.64%. For the same industry, the average monthly price growth was -0.84%, and the average quarterly price growth was -2.93%.
The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was +1.83%. For the same industry, the average monthly price growth was +3.58%, and the average quarterly price growth was -1.93%.
Reported Earning Dates
HIG is expected to report earnings on Jul 23, 2026.
ORI is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Multi-Line Insurance (-0.64% 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.
@Property/Casualty Insurance (+1.83% 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.
| HIG | ORI | HIG / ORI | |
| Capitalization | 35.5B | 9.52B | 373% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -5.174 | -7.944 | 65% |
| P/E Ratio | 9.11 | 9.63 | 95% |
| Revenue | 28.5B | 9.42B | 303% |
| Total Cash | 21.8B | 2.54B | 860% |
| Total Debt | 4.37B | 1.59B | 275% |
HIG | ORI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 15 | 6 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 41 Fair valued | 19 Undervalued | |
PROFIT vs RISK RATING 1..100 | 5 | 11 | |
SMR RATING 1..100 | 50 | 56 | |
PRICE GROWTH RATING 1..100 | 59 | 56 | |
P/E GROWTH RATING 1..100 | 78 | 73 | |
SEASONALITY SCORE 1..100 | 65 | 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.
ORI's Valuation (19) in the Property Or Casualty Insurance industry is in the same range as HIG (41) in the Multi Line Insurance industry. This means that ORI’s stock grew similarly to HIG’s over the last 12 months.
HIG's Profit vs Risk Rating (5) in the Multi Line Insurance industry is in the same range as ORI (11) in the Property Or Casualty Insurance industry. This means that HIG’s stock grew similarly to ORI’s over the last 12 months.
HIG's SMR Rating (50) in the Multi Line Insurance industry is in the same range as ORI (56) in the Property Or Casualty Insurance industry. This means that HIG’s stock grew similarly to ORI’s over the last 12 months.
ORI's Price Growth Rating (56) in the Property Or Casualty Insurance industry is in the same range as HIG (59) in the Multi Line Insurance industry. This means that ORI’s stock grew similarly to HIG’s over the last 12 months.
ORI's P/E Growth Rating (73) in the Property Or Casualty Insurance industry is in the same range as HIG (78) in the Multi Line Insurance industry. This means that ORI’s stock grew similarly to HIG’s over the last 12 months.
| HIG | ORI | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 80% | 2 days ago 70% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 47% |
| Momentum ODDS (%) | 2 days ago 38% | 2 days ago 57% |
| MACD ODDS (%) | 2 days ago 61% | 2 days ago 50% |
| TrendWeek ODDS (%) | 2 days ago 42% | 2 days ago 52% |
| TrendMonth ODDS (%) | 2 days ago 41% | 2 days ago 30% |
| Advances ODDS (%) | 8 days ago 59% | 14 days ago 55% |
| Declines ODDS (%) | 6 days ago 44% | 6 days ago 43% |
| BollingerBands ODDS (%) | 2 days ago 76% | 2 days ago 76% |
| Aroon ODDS (%) | 2 days ago 46% | 2 days ago 32% |
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ORI and
Correlation & Price change
A.I.dvisor indicates that over the last year, ORI has been closely correlated with HIG. These tickers have moved in lockstep 77% of the time. This A.I.-generated data suggests there is a high statistical probability that if ORI jumps, then HIG could also see price increases.