Advertisement
HIG vs THG
Which Stock Would AI Choose? Hartford Financial Services Group (HIG) vs. The Hanover Insurance Group (THG) Stock Comparison
Key Takeaways
- Hartford Financial Services Group (HIG) boasts a larger market capitalization of $38.3 billion compared to The Hanover Insurance Group (THG)'s $6.3 billion, offering greater scale in the property and casualty (P&C) insurance sector.
- HIG has shown stronger recent momentum, gaining 6.3% over the past 30 days, while THG has exhibited mixed performance amid steady trading.
- Both stocks trade at attractive valuations with price-to-earnings (P/E) ratios around 10, reflecting solid profitability in a high-interest-rate environment boosting net investment income (NII).
- HIG benefits from diversified segments including group benefits and investment management, contrasting THG's focused P&C model.
- Upcoming Q1 earnings for HIG on April 24 could catalyze further gains, supported by personal lines strength.
- Low beta values (0.53 for HIG, 0.30 for THG) indicate lower volatility relative to the market, appealing to stability-focused investors.
Introduction
This comparison pits two prominent P&C insurers, Hartford Financial Services Group (HIG) and The Hanover Insurance Group (THG), against each other in the current market. Both benefit from rising premiums and higher investment yields amid persistent inflation and interest rates, but differ in scale and diversification. Investors seeking exposure to defensive financials with income potential, or traders eyeing relative sector strength, will find value in analyzing their recent trajectories, valuations, and catalysts. This head-to-head highlights key contrasts for informed decision-making in a volatile environment.
Hartford Financial Services Group (HIG) Overview and Recent Performance
Hartford Financial Services Group (HIG), trading around $139, operates as a multiline insurer with segments in commercial and personal P&C, group benefits, and Hartford Funds mutual funds/ETFs. Its diversified model spans business insurance, homeowners/auto coverage, and employee benefits, serving individuals and corporations nationwide. Recent market activity has driven shares up 6.3% over the past 30 days and 9.4% quarterly, fueled by underwriting discipline, premium growth in personal lines, and elevated NII from fixed-income portfolios. Analyst upgrades, including BofA's price target hike to $138, reflect optimism ahead of Q1 earnings, with technicals like bullish MACD cross and moving average advances signaling sustained momentum. Sentiment remains positive amid sector tailwinds, though catastrophe risks loom.
The Hanover Insurance Group (THG) Overview and Recent Performance
The Hanover Insurance Group (THG), at approximately $180 per share, focuses on P&C insurance through personal and commercial lines, including auto, homeowners, and specialty coverages for businesses. Headquartered in Massachusetts, it emphasizes regional distribution and risk management in core markets. In recent weeks, shares have traded steadily with a bullish 50-day moving average crossing above the 200-day average, supported by a recent dividend hike to $0.95 quarterly and solid Q4 results. Performance reflects resilience in pricing amid weather volatility, though mixed momentum shows modest gains. Positive RSI exits from oversold and momentum indicators bolster sentiment, tempered by potential cat exposure and smaller scale versus peers.
Trending AI Robots
Tickeron’s Trending AI Robots page curates the top 25 performers from over 350 AI trading bots that analyze thousands of tickers across stocks, ETFs, and crypto. These bots employ diverse strategies like swing trading, scalping, and sector-specific plays (e.g., semiconductors, industrials, energy), with impressive stats: annualized returns ranging 30-122%, win rates 55-88%, profit factors 1.5-11.7, and profit-to-drawdown ratios up to 11.4. Selected for current market conditions, they deliver real-time signals via virtual portfolios or brokerages, adapting to volatility with timeframes from 5 minutes to days. Explore these high performers to enhance your trading edge.
Head-to-Head Comparison
While both HIG and THG thrive in P&C insurance amid premium hikes and NII growth, HIG’s broader model—including benefits and funds—provides diversification versus THG’s concentrated P&C focus, reducing single-segment risks. Growth drivers favor HIG with personal lines momentum and larger scale for M&As (mergers and acquisitions), while THG leverages dividend appeal. Recent momentum tilts to HIG’s 6%+ 30-day rise; risk factors include shared cat exposure, but HIG’s higher beta signals moderate volatility trade-off. Sector exposure is similar, yet HIG garners stronger analyst backing and market sentiment.
Tickeron AI Verdict
Tickeron’s AI currently leans toward HIG due to superior trend consistency, recent price gains, bullish technicals, and catalysts like impending earnings. Its scale and diversification enhance stability and upside potential relative to THG, though both offer value in the sector. Probabilistic edges favor HIG for momentum traders 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.
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 THG is a StrongBuy.
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 whileTHG’s FA Score has 1 green FA rating(s).
- HIG’s FA Score: 1 green, 4 red.
- THG’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.
HIG’s TA Score shows that 4 TA indicator(s) are bullish while THG’s TA Score has 6 bullish TA indicator(s).
- HIG’s TA Score: 4 bullish, 5 bearish.
- THG’s TA Score: 6 bullish, 3 bearish.
Price Growth
HIG (@Multi-Line Insurance) experienced а -2.79% price change this week, while THG (@Property/Casualty Insurance) price change was +1.23% for the same time period.
The average weekly price growth across all stocks in the @Multi-Line Insurance industry was +0.79%. For the same industry, the average monthly price growth was +2.25%, and the average quarterly price growth was +12.65%.
The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was +0.27%. For the same industry, the average monthly price growth was +1.05%, and the average quarterly price growth was -0.32%.
Reported Earning Dates
HIG is expected to report earnings on Jul 23, 2026.
THG is expected to report earnings on Aug 05, 2026.
Industries' Descriptions
@Multi-Line Insurance (+0.79% 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 (+0.27% 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 | THG | HIG / THG | |
| Capitalization | 36.2B | 6.62B | 547% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -3.785 | 4.052 | -93% |
| P/E Ratio | 9.29 | 9.54 | 97% |
| Revenue | 28.5B | 6.66B | 428% |
| Total Cash | 21.8B | 2.03B | 1,075% |
| Total Debt | 4.37B | 844M | 518% |
HIG | THG | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 56 Fair valued | 43 Fair valued | |
PROFIT vs RISK RATING 1..100 | 5 | 32 | |
SMR RATING 1..100 | 89 | 51 | |
PRICE GROWTH RATING 1..100 | 60 | 49 | |
P/E GROWTH RATING 1..100 | 80 | 83 | |
SEASONALITY SCORE 1..100 | 55 | 65 |
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.
THG's Valuation (43) in the Property Or Casualty Insurance industry is in the same range as HIG (56) in the Multi Line Insurance industry. This means that THG’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 THG (32) in the Property Or Casualty Insurance industry. This means that HIG’s stock grew similarly to THG’s over the last 12 months.
THG's SMR Rating (51) in the Property Or Casualty Insurance industry is somewhat better than the same rating for HIG (89) in the Multi Line Insurance industry. This means that THG’s stock grew somewhat faster than HIG’s over the last 12 months.
THG's Price Growth Rating (49) in the Property Or Casualty Insurance industry is in the same range as HIG (60) in the Multi Line Insurance industry. This means that THG’s stock grew similarly to HIG’s over the last 12 months.
HIG's P/E Growth Rating (80) in the Multi Line Insurance industry is in the same range as THG (83) in the Property Or Casualty Insurance industry. This means that HIG’s stock grew similarly to THG’s over the last 12 months.
| HIG | THG | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 4 days ago 68% | 4 days ago 49% |
| Momentum ODDS (%) | 4 days ago 46% | 4 days ago 51% |
| MACD ODDS (%) | 4 days ago 43% | 4 days ago 46% |
| TrendWeek ODDS (%) | 4 days ago 41% | 4 days ago 53% |
| TrendMonth ODDS (%) | 4 days ago 39% | 4 days ago 55% |
| Advances ODDS (%) | 14 days ago 58% | 6 days ago 50% |
| Declines ODDS (%) | 4 days ago 44% | 8 days ago 43% |
| BollingerBands ODDS (%) | 4 days ago 80% | 4 days ago 49% |
| Aroon ODDS (%) | 4 days ago 62% | 4 days ago 49% |
Advertisement
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| RSPT | 58.15 | 1.74 | +3.08% |
| Invesco S&P 500® Equal Weight Tech ETF | |||
| CLSM | 26.90 | 0.50 | +1.89% |
| ETC Cabana Target Leading Sector Mod ETF | |||
| SPSK | 18.10 | 0.05 | +0.28% |
| SP Funds Dow Jones Global Sukuk ETF | |||
| EVYM | 50.46 | 0.07 | +0.14% |
| Eaton Vance High Income Municipal ETF | |||
| BITU | 15.85 | 0.02 | +0.13% |
| ProShares Ultra Bitcoin ETF | |||
THG and
Correlation & Price change
A.I.dvisor indicates that over the last year, THG has been closely correlated with HIG. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if THG jumps, then HIG could also see price increases.