The Hartford vs Sun Life

This page compares The Hartford and Sun Life, outlining their business models, financial performance, and market context in clear, neutral terms. It describes how each organisation operates, serves clients, and positions itself within the industry, without making recommendations or forecasts. Educational content, not financial advice.

This page compares The Hartford and Sun Life, outlining their business models, financial performance, and market context in clear, neutral terms. It describes how each organisation operates, serves cl...

Comparison Snapshot

Key Financial Metrics

HIG

Metric

SLF

$35.92B

Market Cap

$34.79B

11.15%

Potential Profit

-41.43%

Buy

Analyst Rating

Buy

Why It's Moving

Hartford Insurance Accelerates Tech Transformation with New AI-Focused Columbus Hub

New Columbus hub at Easton Town Center will house 75 employees, fostering collaboration on AI-driven risk assessment and cloud-native systems to sharpen underwriting margins and cut costs.
Allstate Corp disclosed a fresh $1.32 million stake in HIG, reflecting institutional confidence in the insurer's growth trajectory.
Recent analyst upgrades, including Cantor Fitzgerald's 'Overweight' on January 14, underscore optimism around HIG's tech investments and strong share performance outpacing the industry.

Sentiment:

🐃Bullish

Hartford Insurance Accelerates Tech Transformation with New AI-Focused Columbus Hub

New Columbus hub at Easton Town Center will house 75 employees, fostering collaboration on AI-driven risk assessment and cloud-native systems to sharpen underwriting margins and cut costs.
Allstate Corp disclosed a fresh $1.32 million stake in HIG, reflecting institutional confidence in the insurer's growth trajectory.
Recent analyst upgrades, including Cantor Fitzgerald's 'Overweight' on January 14, underscore optimism around HIG's tech investments and strong share performance outpacing the industry.

Sentiment:

🐃Bullish

Investment Analysis

The Hartford

HIG

Pros

The Hartford is a top-tier U.S. multiline insurer with strong financials and robust profit margins.
It has a reasonable valuation with a low PE ratio around 10.5 and a forward PE below 10, indicating potential undervaluation.
The company maintains a stable dividend yield near 1.9%, supporting shareholder returns.

Considerations

The Hartford’s beta is relatively low (0.64), which may limit upside potential during strong market rallies.
Its focus on property and casualty insurance excludes life operations, potentially reducing diversification.
Growth catalysts and analyst price targets indicate only moderate upside of about 8-9%, limiting aggressive growth expectations.

Sun Life

SLF

Pros

Sun Life Financial has a strong global presence across key international markets including Canada, U.S., and Asia.
The company offers attractive dividend yield near 4%, combined with a forward PE around 11.5, appealing to income-focused investors.
Recent revenue growth near 7% in 2024 shows ongoing expansion in its insurance and wealth management segments.

Considerations

Sun Life’s net income has declined slightly recently, indicating some pressure on profitability.
Its current ratio is lower relative to some peers, suggesting comparatively less short-term liquidity.
The stock’s beta at 0.83 implies moderate market sensitivity but also increased volatility risk compared to The Hartford.

About The Companies

The Hartford (HIG)

Hartford Financial Services Group, Inc. (HIG) is a US-based insurance company focused on property & casualty (commercial and personal lines) and group benefits for employers. With a market capitalisation of about $35.17B, Hartford earns from underwriting premiums and investment income from a sizeable fixed-income portfolio. Key considerations for investors include underwriting performance (loss ratios and combined ratio), exposure to natural catastrophes, reserve adequacy and the impact of interest rates on investment returns. The company operates in a heavily regulated industry where capital levels, credit ratings and reinsurance arrangements matter. Hartford has a history of returning capital to shareholders through dividends and buybacks, but distributions depend on earnings and regulatory capital. This summary is for general educational purposes only and not personalised investment advice; values can rise and fall and past outcomes do not guarantee future results.

Sun Life (SLF)

Sun Life Financial Inc. is a Canadian-based international financial services organisation that offers a wide range of insurance, wealth, and asset management solutions. With a history stretching back over 150 years, the company serves both individual and institutional clients. Its operations are globally diversified, with a strong presence in markets across North America, the United Kingdom, and Asia. Sun Life's business is structured around key segments including asset management, which features well-known units like MFS Investment Management, as well as its core insurance and wealth activities in Canada, the US, and Asia. For investors looking at the financial services sector, Sun Life represents a significant player with a broad portfolio of products, from life insurance and health benefits to investment funds and financial advice. As with any investment, its value can go down as well as up.

The Hartford (HIG) Next Earnings Date

The Hartford Insurance Group will announce its fourth quarter and full year 2025 earnings on January 29, 2026 after market close at approximately 4:15 p.m. EST. This upcoming report will cover the final quarter of 2025, providing comprehensive results for the company's fourth quarter and full-year performance. The earnings release is officially confirmed by the company and will be followed by a webcast on January 30, 2026.

The Hartford (HIG) Next Earnings Date

The Hartford Insurance Group will announce its fourth quarter and full year 2025 earnings on January 29, 2026 after market close at approximately 4:15 p.m. EST. This upcoming report will cover the final quarter of 2025, providing comprehensive results for the company's fourth quarter and full-year performance. The earnings release is officially confirmed by the company and will be followed by a webcast on January 30, 2026.

Which Baskets Do They Appear In?

Extreme-Weather Insurance Innovators

This collection features forward-thinking companies using cutting-edge technology to insure against catastrophic weather events. As climate-related disasters become more frequent, these specialized insurers and data providers are positioned to become essential components of the global risk management landscape.

Published: June 17, 2025

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Which Baskets Do They Appear In?

Extreme-Weather Insurance Innovators

This collection features forward-thinking companies using cutting-edge technology to insure against catastrophic weather events. As climate-related disasters become more frequent, these specialized insurers and data providers are positioned to become essential components of the global risk management landscape.

Published: June 17, 2025

Explore Basket

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Comparison Snapshot

Why It's Moving

Hartford Insurance Accelerates Tech Transformation with New AI-Focused Columbus Hub

Hartford Insurance Accelerates Tech Transformation with New AI-Focused Columbus Hub