HIG vs. TRV
HIG (The Hartford Financial Services Group, Inc.) and TRV (The Travelers Companies, Inc.) are both stocks. Both are in the Financial Services sector — HIG in Insurance - Diversified, TRV in Insurance - Property & Casualty. Over the past 10 years, HIG returned 14.69%/yr vs 15.11%/yr for TRV. A 0.60 correlation means they provide meaningful diversification when combined.
Performance
HIG vs. TRV - Performance Comparison
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Returns By Period
In the year-to-date period, HIG achieves a 2.90% return, which is significantly lower than TRV's 34.56% return. Both investments have delivered pretty close results over the past 10 years, with HIG having a 14.69% annualized return and TRV not far ahead at 15.11%.
HIG
- 1D
- -1.16%
- 1M
- 6.20%
- 6M
- 10.25%
- YTD
- 2.90%
- 1Y
- 16.21%
- 3Y*
- 25.86%
- 5Y*
- 20.40%
- 10Y*
- 14.69%
- ALL TIME*
- 8.21%
TRV
- 1D
- 2.89%
- 1M
- 20.74%
- 6M
- 40.54%
- YTD
- 34.56%
- 1Y
- 50.17%
- 3Y*
- 33.40%
- 5Y*
- 23.61%
- 10Y*
- 15.11%
- ALL TIME*
- 11.98%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $237.76M | $225.34M | $235.36M | |
| $860.04M | $698.10M | $576.77M |
HIG vs. TRV - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
HIG The Hartford Financial Services Group, Inc. | 2.90% | 28.09% | 38.54% | 8.55% | 12.31% | 44.23% | -16.98% | 39.71% | -19.24% | 20.25% |
TRV The Travelers Companies, Inc. | 34.56% | 22.38% | 28.76% | 3.93% | 22.42% | 13.96% | 5.31% | 17.00% | -9.64% | 13.36% |
Correlation
The correlation between HIG and TRV is 0.80, 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 | 0.80 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.79 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.77 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.73 |
Correlation (All Time) Calculated using the full available price history since Apr 22, 1996 | 0.60 |
The correlation between HIG and TRV shifts across timeframes, from 0.60 (all time) to 0.80 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
HIG:
$38.52B
TRV:
$80.77B
HIG:
$20.54
TRV:
$37.59
HIG:
6.84
TRV:
10.30
HIG:
0.31
TRV:
0.48
HIG:
1.03
TRV:
1.75
HIG:
$29.03B
TRV:
$48.98B
HIG:
$10.25B
TRV:
$17.01B
HIG:
$4.26B
TRV:
$11.31B
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Return for Risk
HIG vs. TRV — Risk / Return Rank
HIG
TRV
HIG vs. TRV - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for The Hartford Financial Services Group, Inc. (HIG) and The Travelers Companies, Inc. (TRV). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| HIG | TRV | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.62 | ||
| Sortino ratioReturn per unit of downside risk | -2.34 | ||
| Omega ratioGain probability vs. loss probability | 1.16 | 1.45 | -0.30 |
| Calmar ratioReturn relative to maximum drawdown | 1.42 | 6.07 | -4.65 |
| Martin ratioReturn relative to average drawdown | 3.47 | 15.56 | -12.09 |
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Drawdowns
HIG vs. TRV - Drawdown Comparison
The maximum HIG drawdown since its inception was -96.25%, which is greater than TRV's maximum drawdown of -55.11%. Use the drawdown chart below to compare losses from any high point for HIG and TRV.
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Drawdown Indicators
| HIG | TRV | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.25% | -55.11% | -41.14% |
Max Drawdown (1Y)Largest decline over 1 year | -11.46% | -8.31% | -3.15% |
Max Drawdown (3Y)Largest decline over 3 years | -13.72% | -12.47% | -1.25% |
Max Drawdown (5Y)Largest decline over 5 years | -18.63% | -18.90% | +0.27% |
Max Drawdown (10Y)Largest decline over 10 years | -57.59% | -46.28% | -11.31% |
Current DrawdownCurrent decline from peak | -1.20% | 0.00% | -1.20% |
Average DrawdownAverage peak-to-trough decline | -30.74% | -11.07% | -19.67% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.68% | 3.24% | +1.44% |
Volatility
HIG vs. TRV - Volatility Comparison
The current volatility for The Hartford Financial Services Group, Inc. (HIG) is 6.98%, while The Travelers Companies, Inc. (TRV) has a volatility of 10.69%. This indicates that HIG experiences smaller price fluctuations and is considered to be less risky than TRV based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| HIG | TRV | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.98% | 10.69% | -3.71% |
Volatility (6M)Calculated over the trailing 6-month period | 14.79% | 15.94% | -1.15% |
Volatility (1Y)Calculated over the trailing 1-year period | 19.26% | 20.48% | -1.22% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 21.94% | 22.18% | -0.24% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 29.05% | 24.61% | +4.44% |
Dividends
HIG vs. TRV - Dividend Comparison
HIG's dividend yield for the trailing twelve months is around 1.65%, more than TRV's 1.17% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HIG The Hartford Financial Services Group, Inc. | 1.65% | 1.57% | 1.76% | 2.17% | 2.08% | 2.08% | 2.65% | 1.97% | 2.47% | 1.67% | 1.80% | 1.79% |
TRV The Travelers Companies, Inc. | 1.17% | 1.50% | 1.72% | 2.06% | 1.96% | 2.23% | 2.40% | 2.36% | 2.53% | 2.09% | 2.14% | 2.11% |
Financials
HIG vs. TRV - Financials Comparison
This section allows you to compare key financial metrics between The Hartford Financial Services Group, Inc. and The Travelers Companies, Inc.. 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. TRV - Profitability Comparison
HIG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, The Hartford Financial Services Group, Inc. reported a gross profit of 0.00 and revenue of 7.26B. Therefore, the gross margin over that period was 0.0%.
TRV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, The Travelers Companies, Inc. reported a gross profit of 4.45B and revenue of 12.15B. Therefore, the gross margin over that period was 36.6%.
HIG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, The Hartford Financial Services Group, Inc. reported an operating income of 0.00 and revenue of 7.26B, resulting in an operating margin of 0.0%.
TRV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, The Travelers Companies, Inc. reported an operating income of 2.88B and revenue of 12.15B, resulting in an operating margin of 23.7%.
HIG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, The Hartford Financial Services Group, Inc. reported a net income of 1.30B and revenue of 7.26B, resulting in a net margin of 17.9%.
TRV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, The Travelers Companies, Inc. reported a net income of 2.21B and revenue of 12.15B, resulting in a net margin of 18.2%.
Frequently Asked Questions
HIG and TRV have a correlation of 0.80, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TRV has higher volatility (10.69%) compared to HIG (6.98%). In terms of maximum drawdown, HIG dropped -96.25% vs TRV's -55.11%.
TRV currently has the higher Sharpe Ratio (2.47 vs 0.85), 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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