Hartford vs Travelers Companies
Add, change or remove companies; up to four.
KIRAβs take AI analyst
I put Hartford and Travelers Companies side by side, using each oneβs latest annual report. Here is what stands out:
- Travelers Companies is the larger business, with $48.8B of revenue in fiscal 2025 against $28.4B for Hartford, about 1.7 times as much.
- Hartford grew revenue faster (6.9%, against 5.2%).
- Hartford earned a higher return on the capital invested in it (22.6%, against 20.1%).
- Investors pay more for each dollar of Travelers Companiesβs earnings: a P/E of 10.5x against 8.8x for Hartford.
Who comes out ahead
Of the 7 measures where higher (or lower) is clearly better, how many each company leads.
Hartford
HIG
6/7
Revenue growthNet marginReturn on capitalReturn on equityNet debt / EBITDAShare count change
Travelers Companies
TRV
1/7
5-year growth
Side by side
Best in the row
| Latest fiscal year | HIG FY25 | TRV FY25 |
|---|---|---|
| Size | ||
| Market cap | $37.6B | $84.3B |
| Revenue | $28.4B | $48.8B |
| Free cash flow | $5.8B | β |
| Net income | $3.8B | $6.3B |
| Growth | ||
| Revenue growth | 6.9% | 5.2% |
| 5-year growth | 6.7% | 8.8% |
| Share count change | β4.1% | β1.5% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 13.5% | 12.9% |
| FCF margin | 20.3% | β |
| Return on capital | 22.6% | 20.1% |
| Return on equity | 21.7% | 20.7% |
| Balance sheet | ||
| Net debt | β$159M | $2.7B |
| Net debt / EBITDA | β0.0x | 0.3x |
| Dividends and buybacks | $2.2B | $4.0B |
| Valuation & quality | ||
| P/E | 8.8x | 10.5x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.