HIG vs TWLO

Comparison between Hartford Financial Services Group Inc (HIG, Company) and Twilio Inc Class A (TWLO, Company).

HIG is from the Financial Services sector, while TWLO is from the Technology sector.

5-Year PerformanceHIG has outperformed TWLO, delivering a return of +17.5% compared to -8.2%

HIG vs TWLO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HIG(COMPANY)	TWLO(COMPANY)
Market Cap	$38B	$38B
Max Drawdown	96.59%	90.36%
Sharpe Ratio	0.26	1.62
5Y Beta	0.38	1.36
Industry	Insurance - Diversified	Software - Infrastructure
P/E Ratio	9.04	30.96
Forward P/E	10.87	43.86
PEG Ratio	0.17	0.45
Dividend Yield	1.68%	N/A
5Y Dividends CAGR	16.04%	N/A
5Y EPS CAGR	22.71%	N/A
Debt to Equity	22.28%	11.06%
Free Cash Flow Yield	15.02%	2.82%
P/S Ratio	1.29	6.56
P/B Ratio	2.00	4.28

Market Cap

HIG

$38B

Winner

TWLO

$38B

Max Drawdown

HIG

96.59%

Winner

TWLO

90.36%

Sharpe Ratio

HIG

0.26

Winner

TWLO

1.62

5Y Beta

Winner

HIG

0.38

TWLO

1.36

Industry

HIG

Insurance - Diversified

TWLO

Software - Infrastructure

P/E Ratio

Winner

HIG

9.04

TWLO

30.96

Forward P/E

Winner

HIG

10.87

TWLO

43.86

PEG Ratio

Winner

HIG

0.17

TWLO

0.45

Dividend Yield

HIG

1.68%

TWLO

N/A

5Y Dividends CAGR

HIG

16.04%

TWLO

N/A

5Y EPS CAGR

HIG

22.71%

TWLO

N/A

Debt to Equity

HIG

22.28%

Winner

TWLO

11.06%

Free Cash Flow Yield

Winner

HIG

15.02%

TWLO

2.82%

P/S Ratio

Winner

HIG

1.29

TWLO

6.56

P/B Ratio

Winner

HIG

2.00

TWLO

4.28

HIG vs TWLO - Historical Returns

Returns include dividend reinvestment.

Period	HIG	TWLO
1 month	-0.09%	+9.35%
3 months	+3.29%	+20.28%
6 months	-1.41%	+110.80%
1 year	+6.92%	+136.22%
5 years(CAGR)	+17.52%	-8.18%
10 years(CAGR)	+15.59%	+15.09%
Max(CAGR)	+5.96%	+23.17%

HIG

-0.09%

Winner

TWLO

+9.35%

HIG

+3.29%

Winner

TWLO

+20.28%

HIG

-1.41%

Winner

TWLO

+110.80%

HIG

+6.92%

Winner

TWLO

+136.22%

5Y(CAGR)

Winner

HIG

+17.52%

TWLO

-8.18%

10Y(CAGR)

Winner

HIG

+15.59%

TWLO

+15.09%

Max(CAGR)

HIG

+5.96%

Winner

TWLO

+23.17%

HIG vs TWLO - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	HIG	TWLO
2026	+1.57%	+72.16%
2025	+28.50%	+30.41%
2024	+36.82%	+51.95%
2023	+9.22%	+50.48%
2022	+11.56%	-81.33%
2021	+46.33%	-21.29%
2020	-17.17%	+228.16%
2019	+43.03%	+13.00%
2018	-17.76%	+255.78%
2017	+20.00%	-10.94%
2016	+13.81%	+0.21%
2015	+5.87%	N/A
2014	+19.87%	N/A
2013	+55.34%	N/A
2012	+36.33%	N/A
2011	-40.40%	N/A
2010	+12.00%	N/A
2009	+38.11%	N/A
2008	-79.38%	N/A
2007	-5.11%	N/A
2006	+8.09%	N/A
2005	+26.75%	N/A
2004	+19.59%	N/A
2003	+28.76%	N/A
2002	-25.94%	N/A
2001	-5.01%	N/A
2000	+59.03%	N/A
1999	-7.06%	N/A

HIG vs TWLO Drawdown Comparison

The maximum drawdown for HIG was -96.27%, occurring on Mar 6, 2009. Recovery took 3906 trading sessions.

The maximum drawdown for TWLO was -90.36%, occurring on Nov 4, 2022. This drawdown has not yet recovered.

The current HIG drawdown is -5.26%. The current TWLO drawdown is -46.29%.

Rank	HIG	TWLO
#1	-96.27% May 22, 2007 - Nov 23, 2022	-90.36% Feb 18, 2021 - Nov 4, 2022
#2	-57.54% Dec 8, 2000 - Feb 11, 2005	-66.41% Sep 28, 2016 - Aug 7, 2018
#3	-44.30% Nov 5, 1999 - Mar 31, 2000	-52.18% Jul 26, 2019 - May 7, 2020
#4	-20.30% May 24, 2000 - Jul 26, 2000	-27.05% Sep 25, 2018 - Nov 7, 2018
#5	-16.74% Jan 6, 2023 - Nov 22, 2023	-22.51% Aug 3, 2020 - Oct 2, 2020
#6	-16.11% Mar 31, 2000 - Apr 25, 2000	-21.81% Dec 12, 2018 - Jan 7, 2019
#7	-14.21% Oct 2, 2000 - Oct 30, 2000	-21.20% Oct 13, 2020 - Dec 11, 2020
#8	-13.72% Nov 27, 2024 - Mar 27, 2025	-21.10% Nov 7, 2018 - Dec 12, 2018
#9	-13.00% May 10, 2006 - Dec 14, 2006	-14.05% Jan 20, 2021 - Feb 4, 2021
#10	-12.04% Apr 2, 2025 - May 2, 2025	-12.52% May 16, 2019 - Jun 7, 2019
#11	-11.47% Feb 17, 2026 - Jul 28, 2026	-12.49% Aug 16, 2016 - Sep 21, 2016
#12	-11.18% Oct 30, 2000 - Dec 6, 2000	-11.79% Jul 15, 2016 - Aug 9, 2016
#13	-10.83% Feb 11, 2005 - May 4, 2005	-11.26% Dec 22, 2020 - Jan 12, 2021
#14	-10.54% Dec 1, 2005 - Apr 28, 2006	-10.03% Apr 30, 2019 - May 16, 2019
#15	-10.44% Aug 3, 2005 - Nov 4, 2005	-9.98% Mar 21, 2019 - Apr 29, 2019