ACGL vs HIG vs AIG
161 measures in 16 categories, one definition each, computed from filings and market data.
ACGL61.0
Arch Capital Group Ltd.
Financial Services · Insurance - Diversified
$101.27 +1.97%$34.6B mkt cap
Score DNA
HIG61.6
The Hartford Insurance Group, Inc.
Financial Services · Insurance - Diversified
$135.12 +1.69%$36.6B mkt cap
Score DNA
AIG44.2
American International Group, Inc.
Financial Services · Insurance - Diversified
$80.74 +2.05%$42.8B mkt cap
Score DNA
Price, rebased to 100 three years ago
ACGL HIG AIG · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| Insider open-market buys, 180d | 1 | 0 | 0 |
| Insider $ bought, 180d | $0.50M | — | — |
| Congress purchases, 180d | 1 | 0 | 1 |
| Last Congress purchase | 2026-05-01 | — | 2026-06-02 |
| 13F net change in holders | — | +10 | +20 |
| ETFs adding shares, 30d | 1,194 | 1,249 | 933 |
| ETFs trimming, 30d | 1,151 | 1,094 | 844 |
| Net ETF funds, 30d | +43 | +155 | +89 |
Valuation
16 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| P/E (TTM) | 7.4x
31st
|
8.4x
38th
|
14.4x
77th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 0.20
50th
|
0.25
83rd
|
— |
| Price / sales | 1.8x
62nd
|
1.3x
31st
|
1.6x
38th
|
| Price / book | 1.4x
62nd
|
1.9x
92nd
|
1.1x
23rd
|
| Price / tangible book | 1.5x
54th
|
2.1x
85th
|
1.1x
31st
|
| Price / free cash flow | n/a | n/a | n/a |
| Price / operating cash flow | n/a | n/a | n/a |
| Enterprise value | n/a | n/a | n/a |
| EV / sales | n/a | n/a | n/a |
| EV / EBITDA | n/a | n/a | n/a |
| EV / EBIT | n/a | n/a | n/a |
| EV / free cash flow | n/a | n/a | n/a |
| Earnings yield | 13.6%
69th
|
11.9%
62nd
|
6.9%
23rd
|
| FCF yield | n/a | n/a | n/a |
| Operating cash flow yield | n/a | n/a | n/a |
| Graham number (per share) | $144.40
38th
|
$155.38
62nd
|
$96.78
31st
|
Profitability (TTM)
12 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| Gross margin | n/a | n/a | n/a |
| EBITDA margin | n/a | n/a | n/a |
| Operating margin | 27.4%
69th
|
15.2%
31st
|
14.0%
23rd
|
| EBIT margin | 28.4%
69th
|
15.7%
31st
|
15.1%
23rd
|
| Net margin | 24.4%
69th
|
15.0%
31st
|
11.1%
23rd
|
| NOPAT margin | 23.9%
69th
|
12.3%
31st
|
11.4%
23rd
|
| FCF margin | n/a | n/a | n/a |
| Operating cash flow margin | n/a | n/a | n/a |
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | — | 6.5%
20th
|
15.0%
70th
|
| Stock comp / revenue | 0.8%
54th
|
0.2%
38th
|
0.0%
0th
|
| Effective tax rate | 12.8%
23rd
|
19.4%
62nd
|
18.2%
54th
|
Returns on capital
11 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| ROE (on average equity) | 19.9%
62nd
|
23.5%
100th
|
7.2%
15th
|
| ROA | 5.7%
54th
|
5.1%
46th
|
1.8%
23rd
|
| ROIC | n/a | n/a | n/a |
| ROCE | n/a | n/a | n/a |
| Return on tangible assets | 6.6%
54th
|
5.3%
46th
|
2.4%
23rd
|
| Cash ROIC (OCF / invested capital) | n/a | n/a | n/a |
| Gross profitability (GP / assets) | n/a | n/a | n/a |
| ROIC, 3-yr average | n/a | n/a | n/a |
| ROIC, 5-yr average | n/a | n/a | n/a |
| ROE, 5-yr average | 18.6%
75th
|
17.7%
67th
|
10.3%
50th
|
| Incremental ROIC | n/a | n/a | n/a |
Growth
17 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| Revenue growth (TTM YoY) | 6.5%
58th
|
6.5%
50th
|
-3.8%
17th
|
| Revenue growth (QoQ) | 2.5%
15th
|
0.5%
0th
|
6.5%
46th
|
| Revenue CAGR, 3 yr | 21.0%
75th
|
7.7%
50th
|
-15.5%
0th
|
| Revenue CAGR, 5 yr | 16.6%
82nd
|
6.6%
45th
|
-9.9%
0th
|
| Gross profit CAGR, 3 yr | n/a | n/a | n/a |
| Operating income CAGR, 3 yr | 40.0%
58th
|
21.1%
50th
|
-8.3%
33rd
|
| Net income growth (TTM YoY) | 5.9%
25th
|
34.5%
58th
|
-7.3%
17th
|
| Net income CAGR, 3 yr | 33.0%
67th
|
29.5%
58th
|
-13.3%
17th
|
| EPS growth (TTM YoY) | 15.4%
25th
|
36.9%
75th
|
1.4%
17th
|
| EPS CAGR, 3 yr | 36.5%
67th
|
34.0%
58th
|
-3.9%
17th
|
| EPS CAGR, 5 yr | 26.5%
73rd
|
20.8%
55th
|
2.7%
36th
|
| FCF growth (TTM YoY) | n/a | n/a | n/a |
| FCF CAGR, 3 yr | n/a | n/a | n/a |
| Operating cash flow CAGR, 3 yr | n/a | n/a | n/a |
| Book value CAGR, 3 yr | 23.0%
83rd
|
15.4%
75th
|
9.1%
17th
|
| Dividend CAGR, 3 yr | -70.6%
0th
|
6.4%
62nd
|
11.0%
88th
|
| Sustainable growth rate | 19.7%
62nd
|
20.0%
85th
|
4.8%
15th
|
Margin history & stability
7 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| Gross margin, 3-yr average | n/a | n/a | n/a |
| Operating margin, 3-yr average | 25.8%
75th
|
14.8%
33rd
|
11.9%
25th
|
| Net margin, 3-yr average | 27.8%
83rd
|
12.8%
33rd
|
6.8%
25th
|
| FCF margin, 3-yr average | n/a | n/a | n/a |
| Revenue stability (0-1) | 0.94
58th
|
0.98
100th
|
0.83
33rd
|
| Earnings stability (0-1) | 0.78
67th
|
0.81
92nd
|
0.23
42nd
|
| Margin stability (0-1) | 0.85
92nd
|
0.29
8th
|
0.53
25th
|
Liquidity (latest quarter)
7 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| Cash & short-term investments | n/a | n/a | n/a |
| Net cash (− = net debt) | n/a | n/a | n/a |
| Working capital | n/a | n/a | n/a |
| Current ratio | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a |
| Cash ratio (cash + ST investments / current liabilities) | n/a | n/a | n/a |
| Defensive interval (days) | n/a | n/a | n/a |
Leverage & solvency (latest quarter)
13 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| Total debt | n/a | n/a | n/a |
| Debt / equity | n/a | n/a | n/a |
| Net debt / equity | n/a | n/a | n/a |
| Debt / assets | n/a | n/a | n/a |
| Debt / capital | n/a | n/a | n/a |
| Debt / EBITDA | n/a | n/a | n/a |
| Net debt / EBITDA | n/a | n/a | n/a |
| Interest coverage (EBIT / interest) | n/a | n/a | n/a |
| Cash interest coverage | n/a | n/a | n/a |
| Debt payback (years of OCF) | n/a | n/a | n/a |
| Liabilities / assets | 71.8%
38th
|
77.7%
69th
|
75.1%
62nd
|
| IS credit model rating | AAA | AAA | AA- |
| Implied credit spread (bps) | 50
0th
|
50
0th
|
100
69th
|
Efficiency
11 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| Asset turnover | n/a | n/a | n/a |
| Fixed asset turnover | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a |
| Receivables turnover | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a |
| Days inventory outstanding | n/a | n/a | n/a |
| Days payables outstanding | n/a | n/a | n/a |
| Cash conversion cycle (days) | n/a | n/a | n/a |
| Capex / revenue | n/a | n/a | n/a |
| Capex / depreciation | n/a | n/a | n/a |
| Operating expense ratio | n/a | n/a | n/a |
Cash flow & earnings quality
7 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| Operating cash flow / net income | n/a | n/a | n/a |
| FCF / net income | n/a | n/a | n/a |
| FCF / operating cash flow | n/a | n/a | n/a |
| Capex / operating cash flow | n/a | n/a | n/a |
| Accruals ratio | n/a | n/a | n/a |
| Sloan accruals ratio | n/a | n/a | n/a |
| Earnings quality score (0-1) | n/a | n/a | n/a |
Scores & forensic checks
15 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| IS score | 61
62nd
|
62
85th
|
44
8th
|
| IS profitability | 72
69th
|
54
38th
|
41
23rd
|
| IS growth | 49
33rd
|
63
75th
|
30
17th
|
| IS value | 87
62nd
|
85
54th
|
81
31st
|
| IS momentum | 77
58th
|
89
83rd
|
63
33rd
|
| IS risk (safety) | 100
23rd
|
100
23rd
|
100
23rd
|
| IS quality | 86
85th
|
84
69th
|
69
23rd
|
| IS balance sheet | 73
23rd
|
66
8th
|
81
69th
|
| IS earnings quality | 72
46th
|
72
69th
|
74
85th
|
| IS cash flow | 86
69th
|
80
62nd
|
70
38th
|
| Piotroski F-score (0-9) | 7
54th
|
9
100th
|
4
8th
|
| Altman Z-score | — | — | — |
| Beneish M-score | — | — | — |
| Ohlson O-score | −7.16
50th
|
−7.41
33rd
|
−7.64
25th
|
| IS credit score | 96
77th
|
96
77th
|
81
23rd
|
Size (TTM)
8 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| Market cap | $34.6B
62nd
|
$36.6B
69th
|
$42.8B
85th
|
| Revenue | $19.2B
46th
|
$29.0B
77th
|
$26.7B
69th
|
| EBITDA | $5.6B
62nd
|
$5.0B
54th
|
$7.5B
85th
|
| Net income | $4.7B
69th
|
$4.4B
62nd
|
$3.0B
46th
|
| Free cash flow | n/a | n/a | n/a |
| Total assets | $85.2B
31st
|
$88.0B
62nd
|
$163.5B
69th
|
| Shareholders' equity | $24.0B
54th
|
$19.6B
46th
|
$40.6B
85th
|
| Employees | 8,000
46th
|
19,200
69th
|
22,100
77th
|
Price performance
9 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| 1 day | +2.0% | +1.7% | +2.0% |
| 1 week | +6.0% | +4.6% | +4.8% |
| 1 month | +4.7% | +1.4% | +6.7% |
| 3 months | −0.6% | −3.9% | +1.9% |
| 6 months | +3.8% | −3.4% | +4.0% |
| Year to date | +7.9% | −1.1% | −2.3% |
| 1 year | +13.1% | +5.4% | +1.8% |
| 3 years, cumulative | +28.3% | +98.3% | +40.3% |
| 5 years, cumulative | +160.1% | +101.6% | +57.2% |
Technicals
4 measures| Measure | ACGL | HIG | AIG |
|---|---|---|---|
| RSI 14 | 68.0 | 62.8 | 72.0 |
| From 52-week high | −5.4% | −7.5% | −5.7% |
| From 52-week low | +22.8% | +12.7% | +15.5% |
| Beta | 0.26 | 0.49 | 0.53 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17