WallStSmart

Capital One Financial Corporation (COF)vsHartford Financial Services Group (HIG)

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Smart Verdict

WallStSmart Research — data-driven comparison

Capital One Financial Corporation generates 65% more annual revenue ($48.89B vs $29.59B). COF leads profitability with a 22.2% profit margin vs 15.6%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).

COF

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.0Value: 7.7Quality: 4.0
Piotroski: 2/9Altman Z: -0.36

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 6.0Profit: 7.5Value: 8.3Quality: 6.5
Piotroski: 6/9Altman Z: 1.23

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

COF6 strengths · Avg: 9.3/10
PEG RatioValuation
0.1810/10

Growing faster than its price suggests

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.8%10/10

Strong operational efficiency at 37.8%

Market CapQuality
$125.67B9/10

Large-cap with strong market position

Profit MarginProfitability
22.2%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
12.6x8/10

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
8.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
24.4%9/10

Every $100 of equity generates 24 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Operating MarginProfitability
22.6%8/10

Strong operational efficiency at 22.6%

Areas to Watch

COF2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

HIG2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.9%4/10

3.9% revenue growth

Altman Z-ScoreHealth
1.232/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : COF

The strongest argument for COF centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.2% and operating margin at 37.8%. PEG of 0.18 suggests the stock is reasonably priced for its growth.

Bull Case : HIG

The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.

Bear Case : COF

The primary concerns for COF are Piotroski F-Score, Altman Z-Score.

Bear Case : HIG

The primary concerns for HIG are Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

COF profiles as a mature stock while HIG is a value play — different risk/reward profiles.

COF carries more volatility with a beta of 1.04 — expect wider price swings.

COF is growing revenue faster at 6.2% — sustainability is the question.

COF generates stronger free cash flow (7.9B), providing more financial flexibility.

Bottom Line

HIG scores higher overall (79/100 vs 75/100), backed by strong 15.6% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Capital One Financial Corporation

FINANCIAL SERVICES · CREDIT SERVICES · USA

Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.

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.

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