HIG vs. AFL
HIG (The Hartford Financial Services Group, Inc.) and AFL (Aflac Incorporated) are both stocks. Both are in the Financial Services sector — HIG in Insurance - Diversified, AFL in Insurance - Life. Over the past 10 years, HIG returned 13.70%/yr vs 15.48%/yr for AFL. A 0.57 correlation means they provide meaningful diversification when combined.
Performance
HIG vs. AFL - Performance Comparison
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Returns By Period
In the year-to-date period, HIG achieves a -6.57% return, which is significantly lower than AFL's 5.61% return. Over the past 10 years, HIG has underperformed AFL with an annualized return of 13.70%, while AFL has yielded a comparatively higher 15.48% annualized return.
HIG
- 1D
- -3.44%
- 1M
- -2.90%
- YTD
- -6.57%
- 6M
- -0.76%
- 1Y
- 0.38%
- 3Y*
- 23.66%
- 5Y*
- 16.41%
- 10Y*
- 13.70%
AFL
- 1D
- -2.54%
- 1M
- 2.42%
- YTD
- 5.61%
- 6M
- 7.77%
- 1Y
- 13.52%
- 3Y*
- 21.24%
- 5Y*
- 17.94%
- 10Y*
- 15.48%
HIG vs. AFL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
HIG The Hartford Financial Services Group, Inc. | -6.57% | 28.09% | 38.54% | 8.55% | 12.31% | 44.23% | -16.98% | 39.71% | -19.24% | 20.25% |
AFL Aflac Incorporated | 5.61% | 8.94% | 28.08% | 17.36% | 26.41% | 34.55% | -13.60% | 18.55% | 6.20% | 29.02% |
Correlation
The correlation between HIG and AFL is 0.67, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.67 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.69 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.73 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.69 |
Correlation (All Time) Calculated using the full available price history since Dec 20, 1995 | 0.57 |
The correlation between HIG and AFL shifts across timeframes, from 0.57 (all time) to 0.73 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
HIG:
$19.00
AFL:
$8.76
HIG:
6.72
AFL:
13.16
HIG:
0.31
AFL:
3.41
HIG:
0.95
AFL:
3.35
HIG:
$28.76B
AFL:
$18.22B
HIG:
$10.29B
AFL:
$8.70B
HIG:
$4.43B
AFL:
$6.67B
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Return for Risk
HIG vs. AFL — Risk / Return Rank
HIG
AFL
HIG vs. AFL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for The Hartford Financial Services Group, Inc. (HIG) and Aflac Incorporated (AFL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| HIG | AFL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.78 | ||
| Sortino ratioReturn per unit of downside risk | -1.07 | ||
| Omega ratioGain probability vs. loss probability | 1.02 | 1.14 | -0.12 |
| Calmar ratioReturn relative to maximum drawdown | 0.03 | 1.49 | -1.46 |
| Martin ratioReturn relative to average drawdown | 0.09 | 3.70 | -3.62 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| HIG | AFL | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.02 | 0.80 | -0.78 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.75 | 0.86 | -0.11 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.47 | 0.60 | -0.13 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.16 | 0.48 | -0.32 |
Drawdowns
HIG vs. AFL - Drawdown Comparison
The maximum HIG drawdown since its inception was -96.25%, which is greater than AFL's maximum drawdown of -82.71%. Use the drawdown chart below to compare losses from any high point for HIG and AFL.
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Drawdown Indicators
| HIG | AFL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.25% | -82.71% | -13.54% |
Max Drawdown (1Y)Largest decline over 1 year | -11.46% | -9.11% | -2.35% |
Max Drawdown (3Y)Largest decline over 3 years | -13.72% | -13.56% | -0.16% |
Max Drawdown (5Y)Largest decline over 5 years | -18.63% | -19.86% | +1.23% |
Max Drawdown (10Y)Largest decline over 10 years | -57.59% | -54.89% | -2.70% |
Current DrawdownCurrent decline from peak | -10.30% | -2.54% | -7.76% |
Average DrawdownAverage peak-to-trough decline | -30.85% | -11.66% | -19.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.50% | 3.67% | +0.83% |
Volatility
HIG vs. AFL - Volatility Comparison
The Hartford Financial Services Group, Inc. (HIG) has a higher volatility of 7.35% compared to Aflac Incorporated (AFL) at 5.82%. This indicates that HIG's price experiences larger fluctuations and is considered to be riskier than AFL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| HIG | AFL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.35% | 5.82% | +1.53% |
Volatility (6M)Calculated over the trailing 6-month period | 14.24% | 12.24% | +2.00% |
Volatility (1Y)Calculated over the trailing 1-year period | 19.13% | 17.08% | +2.05% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 22.04% | 20.94% | +1.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 29.13% | 25.77% | +3.36% |
Dividends
HIG vs. AFL - Dividend Comparison
HIG's dividend yield for the trailing twelve months is around 1.82%, less than AFL's 2.07% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AFL Aflac Incorporated | 2.07% | 2.10% | 1.93% | 2.04% | 2.22% | 2.26% | 2.52% | 2.04% | 2.28% | 1.98% | 2.39% | 2.64% |
HIG The Hartford Financial Services Group, Inc. | 1.82% | 1.57% | 1.76% | 2.17% | 2.08% | 2.08% | 2.65% | 1.97% | 2.47% | 1.67% | 1.80% | 1.79% |
Financials
HIG vs. AFL - Financials Comparison
This section allows you to compare key financial metrics between The Hartford Financial Services Group, Inc. and Aflac Incorporated. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
HIG vs. AFL - Profitability Comparison
HIG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, The Hartford Financial Services Group, Inc. reported a gross profit of 0.00 and revenue of 7.23B. Therefore, the gross margin over that period was 0.0%.
AFL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported a gross profit of 2.48B and revenue of 4.32B. Therefore, the gross margin over that period was 57.5%.
HIG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, The Hartford Financial Services Group, Inc. reported an operating income of 0.00 and revenue of 7.23B, resulting in an operating margin of 0.0%.
AFL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported an operating income of 1.23B and revenue of 4.32B, resulting in an operating margin of 28.4%.
HIG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, The Hartford Financial Services Group, Inc. reported a net income of 856.00M and revenue of 7.23B, resulting in a net margin of 11.9%.
AFL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported a net income of 1.02B and revenue of 4.32B, resulting in a net margin of 23.6%.
Frequently Asked Questions
HIG and AFL have a correlation of 0.67, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
HIG has higher volatility (7.35%) compared to AFL (5.82%). In terms of maximum drawdown, HIG dropped -96.25% vs AFL's -82.71%.
AFL currently has the higher Sharpe Ratio (0.80 vs 0.02), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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