Compare Stocks › AXP vs HIG
American Express Company (AXP) vs The Hartford Insurance Group, Inc. (HIG)
AXP
American Express Company
$319.68
VS
HIG
The Hartford Insurance Group, Inc.
$135.81
Rewards
AXP
- ★Gross margin of 62.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★American Express Company scores 100/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
HIG
- ★The Hartford Insurance Group, Inc. scores 97/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Free cash flow has grown at a 14.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $2.91 of earning power — management is an exceptional capital allocator.
Risks
AXP
- ⚠Altman Z-Score of 0.93 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠7 insider sales totaling $36.4M with no purchases in the past 3 months — insiders are reducing their exposure.
- ⚠Free cash flow has declined at a 5.9% CAGR over the past 4 years — a concerning trend.
HIG
- ⚠Altman Z-Score of 1.07 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠6 insider sales totaling $22.0M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →AXP
HIG
Valuation
N/A
Free Cash Flow
$5.60B
N/A
FCF Yield
15.05%
19.96
Trailing P/E
9.56
15.90
Forward P/E
9.42
Quality & Moat
12.37%
ROIC
14.96%
31.48%
ROE
20.20%
62.76%
Gross Margin
38.17%
1.13
PEG Ratio
0.23
Balance Sheet Safety
1.78
Debt / Equity
0.23
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
-0.00
1.19%
Dividend Yield
1.77%
AXP: 2Ties: 1HIG: 6
AXPHIG
Historical Fundamentals
Learn more →AXP
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
HIG
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →AXP
$6.18
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$23.29B
Δ Market Cap
+$144.01B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
HIG
$1.85
created per $1 retained over 3 years
Value Creator
Σ Retained
$7.71B
Δ Market Cap
+$14.27B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AXP
34.4% Margin of Safety
Price is 34.4% below estimated fair value
Current Price: $319.68
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $487.58
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
HIG
60.9% Margin of Safety
Price is 60.9% below estimated fair value
Current Price: $135.81
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $347.17
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AXP
Requires positive FCF to compute implied growth rate.
HIG
What growth rate is the market pricing in at $136?
-2.3%
Market-Implied Owner Earnings Growth
Standard FCF implies -7.8%
The market implies -2.3% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding -7.8%, reflecting heavy growth investment expected to generate future returns.
Economic Moat Score
Learn more →AXP
100/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. Margin Stability is the area most vulnerable to competitive pressure.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
HIG
97/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. Margin Stability is the area most vulnerable to competitive pressure.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
Forensic Accounting
Learn more →AXP
-2.51
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
HIG
-2.55
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AXP
Insiders 22.3%Institutions 65.6%Retail & Other 12.1%
No. of Institutional Holders3,664
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
HIG
Insiders 0.4%Institutions 96.5%Retail & Other 3.1%
No. of Institutional Holders1,619
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AXP
0
Buys (3M)
0
Buys (12M)
JOABAR RAYMOND D
Officer
$4,054
@ $176.26 · 2025-04-09
ANGELAKIS MICHAEL J
Director
$998,593
@ $269.89 · 2025-03-07
Open market purchases · includes direct & indirect ownership · excludes option exercises
HIG
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AXP
7
Sells (3M)
19
Sells (12M)
Total value (12M): $151.85M
LIEBERMAN QUINN JESSICA
Officer
$909,661
@ $300.02 · 2026-03-06
JOABAR RAYMOND D
Officer
$4.77M
@ $340.67 · 2026-02-19
GROSFIELD HOWARD M
Officer
$2.82M
@ $346.73 · 2026-02-12
RADHAKRISHNAN RAVIKUMAR S
Chief Technology Officer
$5.35M
@ $356.58 · 2026-02-09
SEEGER LAUREEN E
Officer
$4.60M
@ $360.99 · 2026-02-09
PICKETT DENISE
Officer
$8.35M
@ $356.91 · 2026-02-05
MARRS ANNA
Officer
$9.60M
@ $350.01 · 2026-02-05
JOABAR RAYMOND D
Officer
$538,902
@ $384.93 · 2025-12-12
RUTLEDGE ELIZABETH
Officer
$18.01M
@ $360.21 · 2025-10-31
TABISH DOUGLAS J
Officer
$894,359
@ $355.61 · 2025-10-23
PICKETT DENISE
Officer
$1.75M
@ $350.73 · 2025-10-22
SQUERI STEPHEN J
Chief Executive Officer
$37.03M
@ $329.86 · 2025-09-04
HERENA MONIQUE
Officer
$2.83M
@ $325.88 · 2025-09-03
BUCKMINSTER DOUGLAS E
Officer
$7.67M
@ $326.37 · 2025-09-02
SEEGER LAUREEN E
Officer
$23.37M
@ $296.90 · 2025-08-06
MARRS ANNA
Officer
$1.71M
@ $310.77 · 2025-07-29
MCNEAL GLENDA G
Officer
$15.47M
@ $309.50 · 2025-07-29
MARQUEZ RAFAEL
Officer
$3.56M
@ $296.93 · 2025-05-20
GROSFIELD HOWARD M
Officer
$2.60M
@ $275.50 · 2025-05-06
MCNEAL GLENDA G
Officer
$799,009
@ $264.66 · 2025-04-29
MARRS ANNA
President
$6.32M
@ $287.88 · 2025-03-04
LIEBERMAN QUINN JESSICA
Officer
$897,590
@ $296.43 · 2025-02-26
MCNEAL GLENDA G
Officer
$2.29M
@ $309.96 · 2025-02-11
SQUERI STEPHEN J
Chief Executive Officer
$16.24M
@ $319.45 · 2025-02-06
PICKETT DENISE
Officer
$7.25M
@ $318.69 · 2025-02-05
JOABAR RAYMOND D
Officer
$3.53M
@ $317.01 · 2025-02-05
RADHAKRISHNAN RAVIKUMAR S
Chief Technology Officer
$3.03M
@ $319.17 · 2025-02-05
JOABAR RAYMOND D
Officer
$4.77M
@ $313.94 · 2025-01-28
LE CAILLEC CHRISTOPHE
Chief Financial Officer
$1.82M
@ $303.48 · 2024-11-27
HERENA MONIQUE
Officer
$374,010
@ $287.70 · 2024-11-07
SQUERI STEPHEN J
Chief Executive Officer
$48.90M
@ $286.57 · 2024-11-07
BUCKMINSTER DOUGLAS E
Officer
$3.55M
@ $270.98 · 2024-10-29
WILLIAMS ANRE D.
Officer
$21.05M
@ $270.26 · 2024-10-22
PICKETT DENISE
Officer
$666,213
@ $240.68 · 2024-05-22
SKYLER JENNIFER
Officer
$3.58M
@ $241.73 · 2024-05-10
LIEBERMAN QUINN JESSICA
Officer
$729,770
@ $232.41 · 2024-05-06
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
HIG
6
Sells (3M)
16
Sells (12M)
Total value (12M): $85.24M
RODDEN LORI A
Officer
$5.62M
@ $138.05 · 2026-03-10
NIDERNO ALLISON G
Officer
$98,583
@ $140.63 · 2026-03-04
NIDERNO ALLISON G
Officer
$53,226
@ $142.32 · 2026-02-26
TOOKER ADIN M
President
$1.17M
@ $140.54 · 2026-02-25
RODDEN LORI A
Officer
$805,723
@ $141.83 · 2026-02-11
SWIFT CHRISTOPHER J
Chief Executive Officer
$14.21M
@ $140.78 · 2026-02-04
SWIFT CHRISTOPHER J
Chief Executive Officer
$27.55M
@ $136.41 · 2026-02-02
COSTELLO BETH ANN
Chief Financial Officer
$4.83M
@ $136.58 · 2026-01-02
TOOKER ADIN M
President
$928,205
@ $137.90 · 2025-11-26
RODDEN LORI A
Officer
$959,829
@ $122.41 · 2025-10-29
COSTELLO BETH ANN
Chief Financial Officer
$4.36M
@ $123.50 · 2025-08-04
RODDEN LORI A
Officer
$949,212
@ $123.11 · 2025-08-01
SWIFT CHRISTOPHER J
Chief Executive Officer
$12.84M
@ $130.84 · 2025-05-16
TOOKER ADIN M
President
$2.82M
@ $128.61 · 2025-05-15
PAIANO ROBERT W
Officer
$1.16M
@ $128.05 · 2025-05-15
STEPNOWSKI AMY M.
Officer
$6.88M
@ $125.89 · 2025-05-05
SWIFT CHRISTOPHER J
Chief Executive Officer
$12.15M
@ $125.50 · 2025-05-02
NIDERNO ALLISON G
Officer
$129,664
@ $119.51 · 2025-04-28
SWIFT CHRISTOPHER J
Chief Executive Officer
$168,001
@ $125.00 · 2025-04-03
SWIFT CHRISTOPHER J
Chief Executive Officer
$11.81M
@ $120.39 · 2025-03-17
PAIANO ROBERT W
Officer
$1.54M
@ $117.20 · 2025-03-11
SWIFT CHRISTOPHER J
Chief Executive Officer
$12,000
@ $120.00 · 2025-03-04
TOOKER ADIN M
President
$1.53M
@ $112.60 · 2025-02-18
TOOKER ADIN M
Officer
$803,479
@ $117.04 · 2024-11-15
SONI DEEPA
Officer
$2.24M
@ $110.96 · 2024-11-05
PAIANO ROBERT W
Officer
$1.46M
@ $110.95 · 2024-07-31
RODDEN LORI A
Officer
$428,522
@ $111.16 · 2024-07-31
FISHER MICHAEL R
Officer
$414,809
@ $101.47 · 2024-07-01
BENNETT JONATHAN R
Officer
$2.67M
@ $100.46 · 2024-05-09
COSTELLO BETH ANN
Chief Financial Officer
$7.19M
@ $99.71 · 2024-05-08
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AXP
😐Neutral(49/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
HIG
😐Neutral(59/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AXP
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (49)
HIG
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (59)