# HIG Stock vs the S&P 500: Returns, Risk and Crash History

> The Hartford Insurance Group, Inc., financial services (market value $36.1 billion), an S&P 500 member: how it compared with the S&P 500, how it behaved in every crash since 2008, its risk‑adjusted returns and what analysts said. Returns to Oct 30, 2026; analyst data as of Nov 9, 2026.

Source: https://www.exent.ai/stocks/hig · Reviewed by David, Senior Analyst, Exent · Published Oct 29, 2026 · Updated Nov 11, 2026

**What changed since Nov 2, 2026:** 9 new ratings · Buy ratings 39% → 33% · analysts covering 19 → 20 · 4★+ analysts covering 11 → 13

## Key takeaways

- HIG returned +100.8% over the 5 years to Oct 30, 2026 versus +75.9% for the S&P 500: it beat the index.
- Its 5-year Sharpe ratio was 0.60 against 0.58 for the S&P 500.
- Its deepest crisis drawdown was −96.3% in the global financial crisis (2007–09) (S&P 500: −56.5%).
- Five‑year volatility was 22.0% and beta 0.48.
- 20 analysts rated it in the past year; 33% of their latest calls were Buy.
- HIG beat earnings estimates in 9 of its last 12 reports; the stock moved 3.0% on average, up or down, around each report.

## Did HIG beat the S&P 500?

Over the 5 years to Oct 30, 2026, The Hartford Insurance Group, Inc. (HIG) returned **+100.8%** including dividends, versus **+75.9%** for the S&P 500 (SPY). It beat the index by 24.9 percentage points, or +15.0% a year against +12.0%.

| Period | HIG | S&P 500 | HIG per year | S&P 500 per year | Result |
| --- | --- | --- | --- | --- | --- |
| 1 year | +8.7% | +12.0% | +8.7% | +12.0% | Lagged |
| 3 years | +90.5% | +87.4% | +24.0% | +23.3% | Beat |
| 5 years | +100.8% | +75.9% | +15.0% | +12.0% | Beat |
| 10 years | +272.1% | +316.3% | +14.0% | +15.3% | Lagged |

Total return with dividends reinvested, from month-end prices to Oct 30, 2026. Beating the index on raw return is only half the story: the next section adjusts for the risk taken. See also [how to beat the S&P 500](https://www.exent.ai/beat-the-market).

HIG is in the [S&P 500](https://www.exent.ai/stocks/sp-500) (members as of Oct 20, 2026); the list shows every member’s return against the index.

## What Wall Street analysts say about HIG

In the 12 months to 30 days ago, 20 analysts published 238 ratings on HIG. Their latest calls were 33% Buy, 67% Hold and 0% Sell. 13 of them rank 4★ or higher in Exent’s analyst scoring, which is based on each analyst’s past price‑target hit rate and returns.

The consensus 12‑month price target was $145.40 (range $136.00–$154.00), +5.5% from the last price. Remember that the average analyst’s target is hit only about half the time: [how accurate are price targets?](https://www.exent.ai/resources/are-analyst-price-targets-accurate)

| Top‑ranked analyst covering | Firm | Stars | Price‑target hit rate |
| --- | --- | --- | --- |
| Members only | Members only | 5.0★ | 46.1% |
| Members only | Members only | 5.0★ | 55.4% |
| [Brian Meredith](https://www.exent.ai/analysts/brian-meredith) | [UBS](https://www.exent.ai/firms/ubs) | 5.0★ | 45.2% |
| [Paul Newsome](https://www.exent.ai/analysts/paul-newsome) | [Piper Sandler](https://www.exent.ai/firms/piper-sandler) | 5.0★ | 62.9% |
| [Harry Fong](https://www.exent.ai/analysts/harry-fong) | [Roth MKM](https://www.exent.ai/firms/roth-mkm) | 4.9★ | 39.6% |

Other analysts covering HIG: [Elyse Greenspan](https://www.exent.ai/analysts/elyse-greenspan) · [Alex Scott](https://www.exent.ai/analysts/alex-scott) · [Michael Zaremski](https://www.exent.ai/analysts/michael-zaremski)

Ratings are shown with a 30‑day delay. Who the top‑ranked analysts on HIG are, their live calls and the median target of only the top‑rated analysts are in [Exent Gems](https://www.exent.ai/radar).

The average analyst’s target is reached about 53.1% of the time; Exent Gems is built on the top 50 of Exent’s ranking,where some reached 90% or more over the last two years. [Unlock the top 50 analysts](https://www.exent.ai/radar).

## HIG returns by year vs the S&P 500

HIG beat the S&P 500 in 5 of the 9 full calendar years shown.

| Year | HIG | S&P 500 | Difference |
| --- | --- | --- | --- |
| 2026 (to Oct 30, 2026) | −2.5% | +11.7% | −14.2% |
| 2025 | +28.1% | +17.7% | +10.4% |
| 2024 | +38.5% | +24.9% | +13.6% |
| 2023 | +8.6% | +26.2% | −17.6% |
| 2022 | +12.3% | −18.2% | +30.5% |
| 2021 | +44.3% | +28.7% | +15.6% |
| 2020 | −17.0% | +18.3% | −35.3% |
| 2019 | +39.7% | +31.2% | +8.5% |
| 2018 | −19.2% | −4.6% | −14.6% |
| 2017 | +20.2% | +21.7% | −1.5% |

## HIG risk-adjusted returns: Sharpe, Sortino and volatility

Over 5 years, HIG had a Sharpe ratio of **0.60** against 0.58 for the S&P 500, so it earned more return per unit of risk than the index. Its annualized volatility was 20.7% and its beta 0.48: it tended to move about 0.5× as much as the market.

| Metric | HIG | S&P 500 |
| --- | --- | --- |
| Annual return | +15.0% | +12.0% |
| Volatility (annualized) | 20.7% | 15.5% |
| Sharpe ratio | 0.60 | 0.58 |
| Sortino ratio | 0.97 | 0.91 |
| Max drawdown (month-end) | −14.1% | −23.9% |
| Beta to the S&P 500 | 0.48 | 1.00 |

[Sharpe](https://www.exent.ai/learn/sharpe-ratio) divides return above cash by total volatility; [Sortino](https://www.exent.ai/learn/sortino-ratio) counts only downside volatility. Both use monthly returns and the 1–3 month T‑bill ETF (BIL) as the risk‑free rate.

## How HIG behaved in past crashes

HIG’s deepest fall in the crises below was **−96.3%** in the global financial crisis (2007–09), against −56.5% for the S&P 500. The last column turns that into money: what a $100,000 position would have lost from peak to trough.

| Crisis | HIG | S&P 500 | Loss on $100,000 |
| --- | --- | --- | --- |
| Global financial crisis (2007–09) | −96.3% | −56.5% | −$96,330 |
| 2018 trade-war selloff | −19.9% | −20.2% | −$19,950 |
| COVID crash (Feb–Mar 2020) | −54.8% | −34.1% | −$54,810 |
| 2022 inflation bear market | −19.5% | −25.4% | −$19,540 |
| 2025 tariff selloff | −12.0% | −19.0% | −$12,040 |

| Window | HIG max drawdown |
| --- | --- |
| Last 1 year | −11.9% |
| Last 3 years | −13.7% |
| Last 5 years | −18.6% |
| Last 10 years | −58.1% |

Peak‑to‑trough declines from daily prices inside each crisis window. A crash replay does not predict the next crisis; it shows how much room a holding needs. Run the same replay on a whole portfolio with the [crash test](https://www.exent.ai/tools/crash-test).

## What moves with HIG, and what doesn’t

Correlation runs from −1 (moves opposite) to +1 (moves in lockstep). Over the last 60 months of monthly returns, HIG’s correlation with the S&P 500 was **0.36**, with the Nasdaq‑100 0.04, with long Treasuries (TLT) 0.23 and with gold (GLD) 0.07.

Adding a 5% HIG position to an S&P 500 portfolio would have moved its 5‑year volatility from 15.5% to 15.1%.

| Least correlated large caps | Correlation | Most correlated large caps | Correlation |
| --- | --- | --- | --- |
|  | −0.22 |  | 0.70 |
|  | −0.21 |  | 0.68 |
|  | −0.16 |  | 0.63 |
|  | −0.15 |  | 0.63 |
|  | −0.14 |  | 0.61 |

Holdings that are highly correlated behave like one position in a selloff. See [how to find hidden overlap](https://www.exent.ai/resources/is-my-portfolio-diversified).

## Latest HIG upgrades, downgrades and price‑target changes

| Date | Rating and target | Analyst |
| --- | --- | --- |
| Oct 12 | Target cut Buy Target $158, was $164 | [Elyse Greenspan](https://www.exent.ai/analysts/elyse-greenspan) Wells Fargo |
| Oct 7 | Target cut Hold Target $144, was $154 | [Yaron Kinar](https://www.exent.ai/analysts/yaron-kinar) Mizuho Securities |
| Oct 7 | Target cut Buy Target $145, was $158 | Ryan Tunis Cantor Fitzgerald |
| Oct 6 | Target cut Buy Target $149, was $155 | [Brian Meredith](https://www.exent.ai/analysts/brian-meredith) UBS |
| Oct 6 | Target cut Hold Target $135, was $145 | Bob Huang Morgan Stanley |
| Sep 15 | Downgrade Buy → Hold Target $154, was $163 | [Yaron Kinar](https://www.exent.ai/analysts/yaron-kinar) Mizuho Securities |

Named analysts’ rating and price‑target changes on HIG in the 5 weeks to Oct 12, 2026, shown 30 days after publication (the free analysts’ calls 3 days after). The top‑ranked analysts’ calls are in [Exent Gems](https://www.exent.ai/radar). [See all of the latest analyst upgrades and downgrades](https://www.exent.ai/analysts/upgrades).

## Do analysts get HIG right?

Of the 364 analyst price targets on HIG set from 2019 until a year ago, **66.8%** were reached within 12 months (data to Oct 20, 2026), 1.8 points below the 68.6% hit rate of the median stock in Exent’s study of 794 stocks. Targets that were reached took a median of 113 days. The median target sat 13.7% above the share price on the day it was set.

Where analysts said HIG would be by now: a year ago, 11 analysts had a price target on HIG, and the median of their latest targets was **$145.00**. On Oct 20, 2026 HIG closed at $136.41, 5.9% below it.

- **66.8%** of targets reached within 12 months

- **113 days** median time to reach a target

- **−5.9%** price now vs the median target set a year ago

| After | Calls | Move on the call | 3 months vs S&P 500 |
| --- | --- | --- | --- |
| Upgrades of HIG | 8 | −1.1% | +1.3% |
| Upgrades, all stocks | 11,514 | +2.5% | +3.4% |
| Downgrades of HIG | 11 | −1.1% | −8.5% |
| Downgrades, all stocks | 10,700 | −3.0% | −1.6% |

The move on the call runs from the close before the rating change to the close after it; the last column is the stock’s return minus the S&P 500’s over the next three months. Averages of rating changes on HIG through Sep 15, 2026; analysts are not named here. [Do analyst upgrades move stocks?](https://www.exent.ai/resources/do-analyst-upgrades-move-stocks)

## How HIG moves after earnings

HIG beat the consensus earnings‑per‑share estimate in **9 of its last 12** quarterly reports, through the one on Jul 23, 2026, and the revenue estimate in 5 of 12. From the close before each report to the close after it, the stock moved 3.0% on average, up or down, against 6.8% for the average report across the 1,002 US stocks Exent tracks. It rose after 4 of the 12 reports. In 5 of the 9 beats the stock still fell.

- **9/12** earnings beats

- **±3.0%** average move per report

- **4/12** reports followed by a rise

| Report | EPS vs estimate | Revenue vs estimate | Stock move |
| --- | --- | --- | --- |
| Jul 23, 2026 | $3.42 vs $3.16 | +1.3% | −0.2% |
| Apr 23, 2026 | $3.09 vs $3.39 | −1.7% | −2.7% |
| Jan 29, 2026 | $4.06 vs $3.17 | +0.6% | +3.4% |
| Oct 27, 2025 | $3.78 vs $3.09 | −0.3% | −1.9% |
| Jul 28, 2025 | $3.41 vs $2.83 | −0.8% | +1.1% |
| Apr 24, 2025 | $2.20 vs $2.15 | −0.5% | −0.2% |
| Jan 30, 2025 | $2.94 vs $2.68 | +2.8% | −1.7% |
| Oct 24, 2024 | $2.53 vs $2.54 | +0.5% | −6.3% |

Reported earnings per share against the consensus estimate, revenue surprise in percent, and the stock’s price change over the two sessions around the report. [How stocks move after earnings](https://www.exent.ai/resources/how-stocks-move-after-earnings)

## Where HIG’s revenue comes from

In fiscal 2013 (the year to Dec 31, 2013), HIG’s largest reported region was the United States, with 78.9% of its $26.2 billion revenue. By region: United States 78.9%; Japan 21.1%.

By business, the largest segment was Property, Liability and Casualty Insurance Product Line, with 100.0% of $229.0 million revenue.

From HIG’s annual filings; segment growth compares fiscal 2022 with the year before. Regions are as each company reports them, so one company’s “Asia Pacific” is not another’s. China counts the regions a company reports as China, Greater China or Hong Kong; a separately reported Taiwan is not counted. [Which S&P 500 companies depend most on China?](https://www.exent.ai/resources/sp-500-china-revenue-exposure)

## Members of Congress who traded HIG

As of Oct 20, 2026, **10 members of Congress** had disclosed 47 trades in HIG (18 buys and 29 sales) in STOCK Act disclosures filed with the House and Senate. The latest public trade is dated Mar 27, 2026.

| Trade date | Member | Type | Amount |
| --- | --- | --- | --- |
| Mar 27, 2026 | [Alan Armstrong](https://www.exent.ai/congress/alan-armstrong) | Buy | $1,001–$15,000 |
| Oct 27, 2025 | [Ro Khanna](https://www.exent.ai/congress/ro-khanna) | Sale | $1,001–$15,000 |
| Oct 24, 2025 | [Ro Khanna](https://www.exent.ai/congress/ro-khanna) | Sale | $1,001–$15,000 |
| Sep 26, 2025 | [Ro Khanna](https://www.exent.ai/congress/ro-khanna) | Sale | $1,001–$15,000 |
| Sep 23, 2025 | [Valerie Hoyle](https://www.exent.ai/congress/valerie-hoyle) | Sale | $1,001–$15,000 |
| Sep 8, 2025 | [Ro Khanna](https://www.exent.ai/congress/ro-khanna) | Sale | $1,001–$15,000 |
| Jun 6, 2025 | [Valerie Hoyle](https://www.exent.ai/congress/valerie-hoyle) | Buy | $1,001–$15,000 |
| Jul 2, 2024 | [Rick Larsen](https://www.exent.ai/congress/rick-larsen) | Sale | $1,001–$15,000 |
| Jan 10, 2024 | [Ro Khanna](https://www.exent.ai/congress/ro-khanna) | Buy | $1,001–$15,000 |
| Oct 10, 2023 | [Ro Khanna](https://www.exent.ai/congress/ro-khanna) | Sale | $1,001–$15,000 |

Amounts are the ranges members report, not exact values. The STOCK Act gives members up to 45 days to disclose a trade, so trades appear weeks after they are made. [See every member’s disclosed trades](https://www.exent.ai/congress)

## Are HIG insiders buying or selling?

In the 12 months to Oct 20, 2026, HIG insiders made **no open‑market purchases** and **19 sales** worth $57.4 million, according to SEC Form 4 filings. The last open‑market purchase on record was on May 2, 2023.

After the 15 insider purchases of $10,000 or more since 2012, HIG beat the S&P 500 by an average of 5.3 percentage points over the next 12 months; 53% of them were followed by a beat. Across all 17,865 insider purchases in Exent’s study, the average was +17.2% and the median +1.0% against the index.

| Date | Insider | Role | Value |
| --- | --- | --- | --- |
| May 2, 2023 | Bennett Jonathan R | Evp | $690 |
| Mar 28, 2023 | Bennett Jonathan R | Evp | $201 |
| Jan 4, 2023 | Bennett Jonathan R | Evp | $613 |
| Sep 23, 2020 | Swift Christopher | Director, officer: Chairman and CEO | $250,960 |
| Mar 13, 2020 | Fetter Trevor | Director | $413,750 |

The table lists the latest open‑market purchases on record, leaving out the last 30 days. The chart counts Form 4 purchases and sales by calendar quarter. Purchases are open‑market buys; sales include planned sales under 10b5‑1 trading plans. [Do insider buys beat the market?](https://www.exent.ai/resources/do-insider-buys-beat-the-market)

## How much of HIG is sold short?

As of the Sep 30, 2026 settlement date, **1.46%** of HIG’s float was sold short: 3.9 million shares, or 1.9 days of average trading volume to cover. A year earlier (Oct 15, 2025) it was 1.53%. The median across the 997 US stocks Exent tracks was 4.77%, so HIG is less heavily shorted than most.

From FINRA short‑interest reports, filed twice a month; the bars show the short share of the float at each month‑end. Days to cover divides the shares short by the average daily volume. [The most shorted stocks](https://www.exent.ai/resources/most-shorted-stocks)

## How many institutions own HIG?

At the end of Q2 2026 (Jun 30, 2026), **1,227 institutions** reported holding HIG in 13F filings, up 13 from the quarter before and up from 1,129 a year earlier. Their reported holdings add up to 91.4% of HIG’s shares. In the quarter 528 institutions added to their positions and 471 cut them.

- **1,227** 13F holders

- **113** new positions

- **103** positions closed

- **91.4%** of shares held by 13F filers

Investment managers with over $100 million in US equities file 13F reports within 45 days of each quarter end, so this is the latest complete quarter. Holdings can add up to more than 100% when shares are lent and counted twice. [Which stocks institutions are buying and selling](https://www.exent.ai/resources/institutional-ownership-13f-changes)

## Is HIG diluting shareholders?

HIG’s diluted share count **fell 20.5%** over the five fiscal years to fiscal 2025 and fell 4.1% in fiscal 2025 alone. Each share now owns a larger slice of the company. The median change across the 1,005 US stocks Exent tracks was −0.1%.

HIG spent $1.6 billion buying back shares, a buyback yield of 4.25% of its market value; stock pay equaled 0.0% of the buybacks.

- **−4.1%** share count, 1 year

- **−20.5%** share count, 5 years

- **0.0%** stock pay as % of revenue

- **4.25%** buyback yield

Weighted‑average diluted shares from HIG’s annual income statements; stock‑based compensation and buybacks from its cash‑flow statement. [Stock dilution and stock‑based compensation, explained](https://www.exent.ai/resources/stock-dilution-and-stock-based-compensation)

## HIG financial health scores

In Exent’s Oct 20, 2026 snapshot, HIG’s Piotroski F‑score was **7 out of 9**; 40% of scored stocks reach 7 or more. The Altman Z‑score is not meaningful for financial services companies, so it is left out.

The Altman Z‑score combines five balance‑sheet and earnings ratios into one bankruptcy‑risk score: below 1.81 is the distress zone, 1.81–2.99 grey, above 2.99 safe. It is not meaningful for banks, insurers and REITs. The Piotroski F‑score counts nine yes/no tests of profitability, leverage and efficiency; 8–9 is strong, 0–2 weak. Both come from the latest annual statements. [Which stocks have the highest bankruptcy risk?](https://www.exent.ai/resources/altman-z-score-bankruptcy-risk-stocks)

## What HIG talks about on earnings calls

On its latest earnings call (Jul 24, 2026), HIG’s executives and analysts mentioned AI **6 times**, against 10 on the call before (Apr 24, 2026); the average across 455 S&P 500 calls that quarter was 12.9. Tariffs and recession did not come up.

| Mentions | Jul ’26 | Apr ’26 | Jan ’26 | Oct ’25 |
| --- | --- | --- | --- | --- |
| AI | 6 | 10 | 12 | 3 |
| AI agents | 0 | 0 | 0 | 0 |
| Data centers | 0 | 0 | 1 | 0 |
| Tariffs | 0 | 0 | 1 | 3 |
| China | 0 | 0 | 0 | 0 |
| Recession | 0 | 0 | 0 | 0 |

Word counts in the full transcript of each call, prepared remarks and Q&A, newest first. “AI” also counts generative AI and large language models; “AI agents” counts agentic AI. [Which companies talk most about AI?](https://www.exent.ai/resources/ai-mentions-on-earnings-calls)

## Which ETFs hold HIG?

As of Oct 20, 2026, **58** of the 304 ETFs Exent tracks held HIG. Its largest weight is in RDVY (First Trust Rising Dividend Achievers ETF), at 1.89% of the fund.

| ETF | Fund | Weight of HIG |
| --- | --- | --- |
| [RDVY](https://www.exent.ai/etfs/rdvy) | First Trust Rising Dividend Achievers ETF | 1.89% |
| RDVI | FT Vest Rising Dividend Achievers Target Income ETF | 1.89% |
| [ESGU](https://www.exent.ai/etfs/esgu) | iShares ESG Aware MSCI USA ETF | 0.60% |
| [VOE](https://www.exent.ai/etfs/voe) | Vanguard Mid-Cap Value Index Fund | 0.57% |
| [DYNF](https://www.exent.ai/etfs/dynf) | iShares U.S. Equity Factor Rotation Active ETF | 0.56% |
| WTV | WisdomTree U.S. Value Fund | 0.49% |
| [XLF](https://www.exent.ai/etfs/xlf) | State Street Financial Select Sector SPDR ETF | 0.47% |
| [VFH](https://www.exent.ai/etfs/vfh) | Vanguard Financials Index Fund | 0.40% |

Owning several of these funds stacks the same position. [How much do VOO, QQQ and VTI overlap?](https://www.exent.ai/resources/etf-overlap-voo-qqq-vti)

## The right benchmark for HIG

Exent matches every holding to the index with the most similar risk. For HIG that is **SPY** (the S&P 500). Comparing a holding with an index that carries very different risk makes good results look bad and risky ones look clever. Read [why the S&P 500 is the wrong benchmark for most portfolios](https://www.exent.ai/resources/why-the-sp-500-is-the-wrong-benchmark).

## Other financial services stocks

| Ticker | Name | 5‑year return | Volatility (5y) |
| --- | --- | --- | --- |
|  | Berkshire Hathaway Inc. | +89.0% | 17.2% |
|  | JPMorgan Chase & Co. | +124.6% | 24.4% |
|  | Visa Inc. | +102.8% | 22.7% |
|  | Mastercard Incorporated | +95.9% | 23.9% |
|  | Bank of America Corporation | +18.3% | 26.6% |
|  | Morgan Stanley | +110.1% | 28.6% |
|  | The Goldman Sachs Group, Inc. | +144.3% | 28.6% |
|  | Wells Fargo & Company | +84.1% | 30.1% |

## Data and methodology

Returns are total returns from month‑end adjusted closing prices (dividends reinvested) through Oct 30, 2026. Crisis drawdowns and trailing maximum drawdowns use daily prices. Analyst coverage counts ratings published in the last 12 months, shown with a 30‑day delay. Full method: [Exent methodology](https://www.exent.ai/methodology).

Company data as of Oct 20, 2026. The move around an earnings report runs from the close before it to the close after it; a price target counts as hit when the stock closed at or beyond it within 12 months (Exent analyst data). Revenue by region and segment, share counts and executive pay come from company filings; insider trades from SEC Form 4, short interest from FINRA, institutional ownership from 13F filings, Congress trades from STOCK Act disclosures filed with the House and Senate, federal contracts from USAspending.gov. Filings from the last 30 days are shown as counts only.

Past performance does not guarantee future results. Historical figures are calculated by Exent from market data and are for education only; they are not investment advice or a recommendation to buy or sell any security.

## Check HIG with Exent Gems

Wall Street’s average HIG price target is 5.5% above the latest share price. See what the best‑ranked analysts on HIG say now in Exent Gems.

1. Exent ranks Wall Street analysts by their past price‑target hit rate and returns, and keeps the best‑ranked few.
2. Gems shows who the top‑ranked analysts covering HIG are, their live calls and the median target of only the top‑rated analysts.
3. Gems flags the stocks where several top‑ranked analysts agree: a starting point for your own research, not a promise.

Exent is our product: [Exent Gems](https://www.exent.ai/radar)

Also: [Stress‑test your portfolio with HIG](https://www.exent.ai/portfolio)

## Frequently asked questions

### Did HIG beat the S&P 500 over the last 10 years?

No. HIG returned +272.1% (+14.0% a year) over the 10 years to Oct 30, 2026, versus +316.3% (+15.3% a year) for the S&P 500, including dividends.

### Is HIG in the S&P 500?

Yes. As of Oct 20, 2026, HIG (The Hartford Insurance Group, Inc.) is one of the 503 stocks in the S&P 500.

### How much did HIG fall in the 2008 crash?

HIG fell −96.3% from peak to trough during the global financial crisis (2007–09), versus −56.5% for the S&P 500.

### How much did HIG fall in the COVID crash?

HIG fell −54.8% from peak to trough during the covid crash (feb–mar 2020), versus −34.1% for the S&P 500.

### How much did HIG fall in the 2022 bear market?

HIG fell −19.5% from peak to trough during the 2022 inflation bear market, versus −25.4% for the S&P 500.

### What is HIG’s Sharpe ratio?

Over the 5 years to Oct 30, 2026, HIG’s Sharpe ratio was 0.60 and its Sortino ratio 0.97, versus 0.58 and 0.91 for the S&P 500.

### Is HIG a volatile stock?

HIG’s 5‑year annualized volatility was 22.0%, higher than the S&P 500’s 17.0%, with a beta of 0.48.

### What is least correlated with HIG?

Among large US stocks, the lowest correlations with HIG over the last 60 months were AMD (−0.22), CRWD (−0.21), PANW (−0.16). Its correlation with long Treasuries (TLT) was 0.23 and with gold (GLD) 0.07.

### Does HIG usually beat earnings estimates?

HIG beat the consensus earnings-per-share estimate in 9 of its last 12 quarterly reports through Jul 23, 2026, and the revenue estimate in 5 of 12. The stock moved 3.0% on average, up or down, from the close before each report to the close after it.

### Have members of Congress traded HIG?

Yes. As of Oct 20, 2026, 10 members of Congress had disclosed 47 trades in HIG (18 buys and 29 sales) in STOCK Act disclosures filed with the House and Senate.

### What is HIG’s short interest?

As of the Sep 30, 2026 settlement date, 1.46% of HIG’s float was sold short (3.9 million shares, 1.9 days to cover), according to FINRA short-interest reports. A year earlier it was 1.53%.

### Is HIG diluting shareholders?

No. HIG’s diluted share count fell 20.5% over the five fiscal years to fiscal 2025 and fell 4.1% in the latest year. Stock-based compensation was 0.0% of revenue, and buybacks totaled $1.6 billion.

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Educational content, not investment advice. Past performance does not guarantee future results.