WallStSmart

Aegon NV ADR (AEG)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 136% more annual revenue ($28.79B vs $12.19B). HIG leads profitability with a 14.1% profit margin vs 8.0%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).

AEG

Hold

40

out of 100

Grade: D

Growth: 3.0Profit: 6.0Value: 5.0Quality: 5.5
Piotroski: 5/9

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.0
Piotroski: 6/9Altman Z: 1.23

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AEG3 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Return on EquityProfitability
27.6%9/10

Every $100 of equity generates 28 in profit

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

HIG6 strengths · Avg: 9.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
9.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
21.5%9/10

Every $100 of equity generates 22 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

Areas to Watch

AEG4 concerns · Avg: 2.3/10
Operating MarginProfitability
0.3%3/10

Operating margin of 0.3%

PEG RatioValuation
14.092/10

Expensive relative to growth rate

Revenue GrowthGrowth
-13.7%2/10

Revenue declined 13.7%

EPS GrowthGrowth
-46.7%2/10

Earnings declined 46.7%

HIG1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.232/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AEG

The strongest argument for AEG centers on Price/Book, Return on Equity, P/E Ratio.

Bull Case : HIG

The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.

Bear Case : AEG

The primary concerns for AEG are Operating Margin, PEG Ratio, Revenue Growth.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Key Dynamics to Monitor

AEG carries more volatility with a beta of 0.63 — expect wider price swings.

HIG is growing revenue faster at 6.1% — sustainability is the question.

HIG generates stronger free cash flow (1.0B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HIG scores higher overall (79/100 vs 40/100). Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Aegon NV ADR

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Aegon NV offers a range of financial services in the Americas, Europe and Asia. The company is headquartered in The Hague, the Netherlands.

Visit Website →

Hartford Financial Services Group

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.

Visit Website →

Want to dig deeper into these stocks?