WallStSmart

CorVel Corp (CRVL)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 2958% more annual revenue ($28.79B vs $941.49M). HIG leads profitability with a 14.1% profit margin vs 11.2%. HIG trades at a lower P/E of 9.6x. HIG earns a higher WallStSmart Score of 77/100 (B+).

CRVL

Hold

45

out of 100

Grade: D+

Growth: 5.3Profit: 7.5Value: 5.3Quality: 8.0
Piotroski: 5/9Altman Z: 5.95

HIG

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRVL3 strengths · Avg: 9.7/10
Return on EquityProfitability
31.3%10/10

Every $100 of equity generates 31 in profit

Altman Z-ScoreHealth
5.9510/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

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

Growing faster than its price suggests

P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 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

CRVL3 concerns · Avg: 4.0/10
P/E RatioValuation
28.5x4/10

Moderate valuation

Revenue GrowthGrowth
3.4%4/10

3.4% revenue growth

EPS GrowthGrowth
2.2%4/10

2.2% earnings growth

HIG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : CRVL

The strongest argument for CRVL centers on Return on Equity, Altman Z-Score, Debt/Equity.

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 : CRVL

The primary concerns for CRVL are P/E Ratio, Revenue Growth, EPS Growth.

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Key Dynamics to Monitor

CRVL carries more volatility with a beta of 1.05 — 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 BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HIG scores higher overall (77/100 vs 45/100). 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.

CorVel Corp

FINANCIAL SERVICES · INSURANCE BROKERS · USA

CorVel Corporation provides workers' compensation, auto, liability and health solutions for employers, outside administrators, insurance companies, and government agencies to help them manage medical costs and monitor the quality of care associated with health care claims. The company is headquartered in Fort Worth, Texas.

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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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