Compare Stocks › HIG vs TSLA
The Hartford Insurance Group, Inc. (HIG) vs Tesla, Inc. (TSLA)
HIG
The Hartford Insurance Group, Inc.
$135.81
VS
TSLA
Tesla, Inc.
$390.82
Rewards
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.
TSLA
- ★Altman Z-Score of 19.94 indicates very low bankruptcy risk — the company is firmly in the safe zone.
- ★Net debt/EBITDA of -2.6x means the company holds more cash than debt — a net cash position.
Risks
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.
TSLA
- ⚠ROIC has declined by 17.7 percentage points over the observed period, which may signal competitive erosion.
- ⚠Gross margin of 19.1% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Share count has increased by 19% over the past 4 years, diluting existing shareholders.
Key Valuation Metrics
Learn more →HIG
TSLA
Valuation
$5.60B
Free Cash Flow
$5.25B
15.05%
FCF Yield
0.36%
9.56
Trailing P/E
358.55
9.42
Forward P/E
154.15
Quality & Moat
14.96%
ROIC
3.23%
20.20%
ROE
4.47%
38.17%
Gross Margin
19.06%
0.23
PEG Ratio
43.20
Balance Sheet Safety
0.23
Debt / Equity
0.19
N/A
Interest Coverage
N/A
-0.00
Net Debt / EBITDA
-2.60
1.77%
Dividend Yield
N/A
HIG: 8Ties: 1TSLA: 2
HIGTSLA
Historical Fundamentals
Learn more →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.
TSLA
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 →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
TSLA
$50.04
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$25.92B
Δ Market Cap
+$1.30T
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 →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
TSLA
541.1% Overvalued
Price is 541.1% above estimated fair value
Current Price: $390.82
Strongly undervalued
Strongly overvalued
Fair Value: $60.97
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →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.
TSLA
What growth rate is the market pricing in at $391?
+49.8%
Market-Implied Owner Earnings Growth
Standard FCF implies +44.8%
The market implies +49.8% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +44.8%, reflecting heavy growth investment.
Economic Moat Score
Learn more →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.
TSLA
31/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
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.
Forensic Accounting
Learn more →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.
TSLA
-2.86
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 →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.
TSLA
Insiders 11.1%Institutions 44.7%Retail & Other 44.2%
No. of Institutional Holders5,238
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 →HIG
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
TSLA
0
Buys (3M)
1
Buys (12M)
Total value (12M): $999.96M
MUSK ELON REEVE
Chief Executive Officer
$999.96M
@ $389.28 · 2025-09-12
GEBBIA JOSEPH
Director
$1.03M
@ $256.31 · 2025-04-24
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 →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
TSLA
3
Sells (3M)
15
Sells (12M)
Total value (12M): $294.75M
WILSON - THOMPSON KATHLEEN
Director
$9.27M
@ $359.33 · 2026-03-30
TANEJA VAIBHAV
Chief Financial Officer
$899,077
@ $397.12 · 2026-03-06
WILSON - THOMPSON KATHLEEN
Director
$10.69M
@ $415.56 · 2026-02-25
MUSK KIMBAL J
Director
$25.61M
@ $450.66 · 2025-12-09
TANEJA VAIBHAV
Chief Financial Officer
$1.17M
@ $443.93 · 2025-12-08
TANEJA VAIBHAV
Chief Financial Officer
$918,137
@ $352.45 · 2025-09-08
TANEJA VAIBHAV
Chief Financial Officer
$1.77M
@ $295.26 · 2025-07-08
ZHU XIAOTONG
Officer
$4.86M
@ $323.81 · 2025-06-12
TANEJA VAIBHAV
Chief Financial Officer
$732,573
@ $285.71 · 2025-06-09
TANEJA VAIBHAV
Chief Financial Officer
$2.40M
@ $342.30 · 2025-06-03
MUSK KIMBAL J
Director
$32.73M
@ $357.39 · 2025-05-27
EHRENPREIS IRA MATTHEW
Director
$170.64M
@ $357.30 · 2025-05-27
TANEJA VAIBHAV
Chief Financial Officer
$1.05M
@ $350.11 · 2025-05-16
TANEJA VAIBHAV
Chief Financial Officer
$1.20M
@ $300.00 · 2025-05-09
DENHOLM ROBYN M
Director
$30.81M
@ $274.12 · 2025-05-06
TANEJA VAIBHAV
Chief Financial Officer
$1.14M
@ $284.40 · 2025-05-01
DENHOLM ROBYN M
Director
$32.10M
@ $285.58 · 2025-04-29
TANEJA VAIBHAV
Chief Financial Officer
$1.00M
@ $250.00 · 2025-04-07
MURDOCH JAMES RUPERT
Director
$13.19M
@ $240.79 · 2025-03-10
TANEJA VAIBHAV
Chief Financial Officer
$718,111
@ $268.75 · 2025-03-06
DENHOLM ROBYN M
Director
$33.67M
@ $299.61 · 2025-03-03
TANEJA VAIBHAV
Chief Financial Officer
$1.78M
@ $296.02 · 2025-03-03
MUSK KIMBAL J
Director
$27.59M
@ $367.87 · 2025-02-06
DENHOLM ROBYN M
Director
$43.16M
@ $384.04 · 2025-02-03
TANEJA VAIBHAV
Chief Financial Officer
$2.68M
@ $383.11 · 2025-02-03
WILSON - THOMPSON KATHLEEN
Director
$41.16M
@ $411.63 · 2025-01-06
TANEJA VAIBHAV
Chief Financial Officer
$2.89M
@ $413.56 · 2025-01-06
TANEJA VAIBHAV
Chief Financial Officer
$975,015
@ $374.29 · 2024-12-06
WILSON - THOMPSON KATHLEEN
Director
$35.25M
@ $352.54 · 2024-12-04
DENHOLM ROBYN M
Director
$39.79M
@ $354.06 · 2024-12-02
TANEJA VAIBHAV
Chief Financial Officer
$2.48M
@ $354.43 · 2024-12-02
DENHOLM ROBYN M
Director
$35.34M
@ $314.44 · 2024-11-15
WILSON - THOMPSON KATHLEEN
Director
$34.60M
@ $346.02 · 2024-11-11
TANEJA VAIBHAV
Chief Financial Officer
$3.80M
@ $316.91 · 2024-11-11
MUSK KIMBAL J
Director
$15.14M
@ $250.23 · 2024-11-01
TANEJA VAIBHAV
Chief Financial Officer
$1.01M
@ $251.76 · 2024-11-01
TANEJA VAIBHAV
Chief Financial Officer
$1.00M
@ $250.00 · 2024-10-24
TANEJA VAIBHAV
Chief Financial Officer
$2.00M
@ $250.00 · 2024-09-23
ZHU XIAOTONG
Officer
$65,867
@ $221.77 · 2024-09-06
DENHOLM ROBYN M
Director
$14.60M
@ $219.96 · 2024-07-25
ZHU XIAOTONG
Officer
$113,151
@ $174.35 · 2024-06-06
DENHOLM ROBYN M
Director
$17.32M
@ $184.86 · 2024-05-06
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 →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.
TSLA
😐Neutral(52/100)
"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 →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)
TSLA
⚪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 (52)