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HIG vs WRB
Which Stock Would AI Choose? The Hartford Financial Services Group (HIG) vs. W. R. Berkley Corporation (WRB) Stock Comparison
Key Takeaways
- The Hartford (HIG) has shown stronger recent momentum, with shares advancing in recent weeks amid positive analyst updates and anticipation for upcoming quarterly results.
- W. R. Berkley (WRB) shares have lagged, declining about 1.7% over the recent month compared to broader market gains.
- HIG trades at a lower price-to-earnings (P/E) ratio of 10.43 versus WRB's approximate 14.9, indicating potentially better relative valuation.
- Both delivered robust Q4 2025 results, with HIG reporting full-year core earnings of $3.8 billion and WRB achieving record underwriting income.
- Analyst price targets suggest 8% upside for HIG from current levels around $139, reflecting optimistic sentiment.
- HIG YTD return stands at 1.26%, providing modest outperformance in a choppy market environment.
Introduction
This comparison examines HIG and WRB, two prominent players in the property and casualty (P&C) insurance sector. Both companies benefit from favorable industry dynamics like premium growth and investment income amid moderating catastrophe losses. Investors seeking exposure to defensive financials with dividend yields may find value here, while traders could eye relative momentum shifts. With upcoming earnings reports, this analysis highlights recent performance, valuations, and positioning to aid informed stock comparison decisions in the current market.
HIG Overview and Recent Performance
The Hartford Financial Services Group, Inc. (HIG) is a diversified insurer offering personal lines, commercial P&C, and group benefits. In recent market activity, shares have climbed toward the upper end of their 52-week range (115.68-144.50), trading around $139 with a market cap of $38.3 billion. YTD performance reached 1.26%, supported by strong Q4 2025 results including $1.15 billion net income and full-year core earnings of $3.8 billion, up 25% year-over-year. Return on equity (ROE) hit 19.4% for the year. Sentiment has improved with analyst price target raises, such as BofA to $138, ahead of Q1 earnings expected at $3.29 EPS. Low beta of 0.53 underscores stability, though shares dipped slightly in recent sessions.
WRB Overview and Recent Performance
W. R. Berkley Corporation (WRB) specializes in specialty P&C insurance across niche markets globally. Shares trade near $66, reflecting a market cap around $17 billion, within a recent range influenced by sector pressures. Recent weeks saw underperformance, with a 1.7% monthly decline versus S&P 500 gains, amid mixed EPS estimate revisions. Q4 2025 highlighted record pre-tax underwriting income up 14.9% to $338 million and ROE of 21.4%. Full-year net premiums written hit records at $3.1 billion quarterly pace. Dividend yield supports income focus, but pricing discipline concerns in property lines temper sentiment ahead of Q1 results projecting $1.13 EPS.
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Head-to-Head Comparison
HIG offers broader diversification across personal, commercial, and benefits lines, contrasting WRB’s niche specialty focus, which drives higher underwriting margins but exposes it to concentrated risks. Growth drivers include premium expansion for both, with WRB posting record net premiums. Recent momentum favors HIG, up in recent weeks on earnings optimism, while WRB faces headwinds from reserve and pricing scrutiny. Valuation tilts to HIG with lower P/E and higher yield (1.73%), versus WRB’s growth-oriented profile. Risks involve catastrophe exposure sector-wide, but HIG’s lower beta signals reduced volatility. Market sentiment leans positive for HIG via target hikes, while WRB shows steady but tempered views.
Tickeron AI Verdict
Tickeron’s AI currently leans toward HIG based on superior recent trend consistency, attractive valuation at a P/E below 11, low beta stability, and upward analyst revisions ahead of earnings. WRB offers strong underwriting discipline but trails in momentum and relative pricing. This positioning suggests higher probability of near-term outperformance for HIG in the prevailing P&C environment, though both merit monitoring post-earnings.
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 WRB 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 whileWRB’s FA Score has 1 green FA rating(s).
- HIG’s FA Score: 1 green, 4 red.
- WRB’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 5 TA indicator(s) are bullish while WRB’s TA Score has 6 bullish TA indicator(s).
- HIG’s TA Score: 5 bullish, 4 bearish.
- WRB’s TA Score: 6 bullish, 3 bearish.
Price Growth
HIG (@Multi-Line Insurance) experienced а +0.24% price change this week, while WRB (@Property/Casualty Insurance) price change was -1.31% for the same time period.
The average weekly price growth across all stocks in the @Multi-Line Insurance industry was -0.61%. For the same industry, the average monthly price growth was -0.81%, and the average quarterly price growth was -2.90%.
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.
WRB is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Multi-Line Insurance (-0.61% 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 | WRB | HIG / WRB | |
| Capitalization | 36B | 25.7B | 140% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -3.834 | -4.128 | 93% |
| P/E Ratio | 9.11 | 14.22 | 64% |
| Revenue | 28.5B | 14.8B | 193% |
| Total Cash | 21.8B | N/A | - |
| Total Debt | 4.37B | 2.84B | 154% |
HIG | WRB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 15 | 7 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 41 Fair valued | 80 Overvalued | |
PROFIT vs RISK RATING 1..100 | 5 | 14 | |
SMR RATING 1..100 | 50 | 53 | |
PRICE GROWTH RATING 1..100 | 59 | 58 | |
P/E GROWTH RATING 1..100 | 78 | 69 | |
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.
HIG's Valuation (41) in the Multi Line Insurance industry is somewhat better than the same rating for WRB (80) in the Property Or Casualty Insurance industry. This means that HIG’s stock grew somewhat faster than WRB’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 WRB (14) in the Property Or Casualty Insurance industry. This means that HIG’s stock grew similarly to WRB’s over the last 12 months.
HIG's SMR Rating (50) in the Multi Line Insurance industry is in the same range as WRB (53) in the Property Or Casualty Insurance industry. This means that HIG’s stock grew similarly to WRB’s over the last 12 months.
WRB's Price Growth Rating (58) in the Property Or Casualty Insurance industry is in the same range as HIG (59) in the Multi Line Insurance industry. This means that WRB’s stock grew similarly to HIG’s over the last 12 months.
WRB's P/E Growth Rating (69) in the Property Or Casualty Insurance industry is in the same range as HIG (78) in the Multi Line Insurance industry. This means that WRB’s stock grew similarly to HIG’s over the last 12 months.
| HIG | WRB | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 80% | 2 days ago 53% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 45% |
| Momentum ODDS (%) | 2 days ago 38% | 2 days ago 39% |
| MACD ODDS (%) | 2 days ago 61% | 2 days ago 63% |
| TrendWeek ODDS (%) | 2 days ago 42% | 2 days ago 40% |
| TrendMonth ODDS (%) | 2 days ago 41% | 2 days ago 42% |
| Advances ODDS (%) | 8 days ago 59% | 14 days ago 59% |
| Declines ODDS (%) | 6 days ago 44% | 2 days ago 40% |
| BollingerBands ODDS (%) | 2 days ago 76% | 2 days ago 66% |
| Aroon ODDS (%) | 2 days ago 46% | N/A |
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WRB and
Correlation & Price change
A.I.dvisor indicates that over the last year, WRB has been closely correlated with HIG. These tickers have moved in lockstep 74% of the time. This A.I.-generated data suggests there is a high statistical probability that if WRB jumps, then HIG could also see price increases.