Compare Stocks › GS vs HIG
The Goldman Sachs Group, Inc. (GS) vs The Hartford Insurance Group, Inc. (HIG)
GS
The Goldman Sachs Group, Inc.
$923.71
VS
HIG
The Hartford Insurance Group, Inc.
$135.81
Rewards
GS
- ★Gross margin of 82.3% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Share count has been reduced by 11% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★Each dollar of retained earnings has created $2.53 of earning power — management is an exceptional capital allocator.
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
GS
- ⚠High leverage (6.79x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
- ⚠Altman Z-Score of 0.25 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠Insiders have sold $13.0M worth of stock in the past 3 months — significant insider liquidation.
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 →GS
HIG
Valuation
N/A
Free Cash Flow
$5.60B
N/A
FCF Yield
15.05%
16.86
Trailing P/E
9.56
14.13
Forward P/E
9.42
Quality & Moat
1.95%
ROIC
14.96%
13.17%
ROE
20.20%
82.27%
Gross Margin
38.17%
0.70
PEG Ratio
0.23
Balance Sheet Safety
6.79
Debt / Equity
0.23
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
-0.00
1.95%
Dividend Yield
1.77%
GS: 2Ties: 1HIG: 6
GSHIG
Historical Fundamentals
Learn more →GS
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 →GS
$5.60
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$26.00B
Δ Market Cap
+$145.60B
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 →GS
62.8% Margin of Safety
Price is 62.8% below estimated fair value
Current Price: $923.71
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $2479.85
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 →GS
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 →GS
65/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with reinvestment efficiency as the key competitive advantage. Improving margin stability would strengthen the moat.
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 →GS
-2.00
Possible 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 →GS
Insiders 0.5%Institutions 75.9%Retail & Other 23.6%
No. of Institutional Holders3,722
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 →GS
0
Buys (3M)
0
Buys (12M)
HESS JOHN B JR.
Director
$2.00M
@ $511.68 · 2025-04-15
JOHNSON KEVIN RONALD
Director
$1.49M
@ $619.02 · 2025-01-17
FLAHERTY MARK A
Director
$29,545
@ $360.30 · 2024-09-27
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 →GS
3
Sells (3M)
13
Sells (12M)
Total value (12M): $62.06M
GOLTEN ALEXANDER SIMON
Officer
$1.04M
@ $936.18 · 2026-04-23
GOLTEN ALEXANDER SIMON
Officer
$1.02M
@ $919.19 · 2026-04-17
COLEMAN DENIS P.
Chief Financial Officer
$10.94M
@ $941.57 · 2026-02-09
SOLOMON DAVID M
Chief Executive Officer
$255,387
@ $938.92 · 2026-01-29
HALIO CAREY
Officer
$2.64M
@ $927.17 · 2026-01-27
FREDMAN SHEARA J.
Officer
$4.49M
@ $923.75 · 2026-01-23
RUEMMLER KATHRYN H
General Counsel
$8.89M
@ $927.51 · 2026-01-23
HALIO CAREY
Officer
$1.62M
@ $920.62 · 2026-01-23
WALDRON JOHN E.
President
$13.69M
@ $750.30 · 2025-08-28
COLEMAN DENIS P.
Chief Financial Officer
$5.41M
@ $724.40 · 2025-07-25
SOLOMON DAVID M
Chief Executive Officer
$4.71M
@ $712.31 · 2025-07-23
ROGERS JOHN F W
Officer
$4.31M
@ $717.39 · 2025-07-23
SOLOMON DAVID M
Chief Executive Officer
$3.04M
@ $607.17 · 2025-05-14
SOLOMON DAVID M
Chief Executive Officer
$1.50M
@ $622.15 · 2025-02-26
GOLTEN ALEXANDER SIMON
Officer
$3.31M
@ $636.25 · 2025-01-28
HALIO CAREY
Officer and Treasurer
$2.32M
@ $636.74 · 2025-01-24
FREDMAN SHEARA J.
Officer
$1.28M
@ $627.01 · 2025-01-21
RUEMMLER KATHRYN H
General Counsel
$4.76M
@ $634.69 · 2025-01-21
HALIO CAREY
Officer
$965,120
@ $624.67 · 2025-01-21
SOLOMON DAVID M
Chief Executive Officer
$4.00M
@ $610.91 · 2024-11-29
VINIAR DAVID A
Director
$3.06M
@ $612.08 · 2024-11-29
FREDMAN SHEARA J.
Officer
$1.77M
@ $594.51 · 2024-11-06
COLEMAN DENIS P.
Chief Financial Officer
$7.67M
@ $593.03 · 2024-11-06
ROGERS JOHN F W
Officer
$3.83M
@ $596.36 · 2024-11-06
SOLOMON DAVID M
Chief Executive Officer
$3.00M
@ $500.29 · 2024-08-15
VINIAR DAVID A
Director
$2.51M
@ $502.43 · 2024-07-16
SOLOMON DAVID M
Chief Executive Officer
$3.02M
@ $457.32 · 2024-05-10
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 →GS
😏Greed(66/100)
"Market is optimistic — be cautious and ensure you have a margin of safety"
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 →GS
⚪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: Greed (66)
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)