WallStSmart

Dominion Energy Inc (D)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 65% more annual revenue ($28.79B vs $17.45B). D leads profitability with a 16.9% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).

D

Buy

60

out of 100

Grade: C+

Growth: 5.3Profit: 7.5Value: 3.3Quality: 3.5
Piotroski: 5/9Altman Z: 0.55

HIG

Strong Buy

79

out of 100

Grade: B+

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DSignificantly Overvalued (-33.0%)

Margin of Safety

-33.0%

Fair Value

$48.62

Current Price

$66.90

$18.28 premium

UndervaluedFair: $48.62Overvalued

Intrinsic value data unavailable for HIG.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

D4 strengths · Avg: 8.3/10
Market CapQuality
$58.46B9/10

Large-cap with strong market position

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Operating MarginProfitability
28.7%8/10

Strong operational efficiency at 28.7%

Revenue GrowthGrowth
23.1%8/10

Revenue surging 23.1% year-over-year

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

D4 concerns · Avg: 2.3/10
Debt/EquityHealth
1.783/10

Elevated debt levels

PEG RatioValuation
2.822/10

Expensive relative to growth rate

EPS GrowthGrowth
-10.2%2/10

Earnings declined 10.2%

Free Cash FlowQuality
$-2.15B2/10

Negative free cash flow — burning cash

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

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : D

The strongest argument for D centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 16.9% and operating margin at 28.7%. Revenue growth of 23.1% demonstrates continued momentum.

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 : D

The primary concerns for D are Debt/Equity, PEG Ratio, EPS Growth. Debt-to-equity of 1.78 is elevated, increasing financial risk.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Key Dynamics to Monitor

D profiles as a growth stock while HIG is a value play — different risk/reward profiles.

D carries more volatility with a beta of 0.64 — expect wider price swings.

D is growing revenue faster at 23.1% — sustainability is the question.

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

Bottom Line

HIG scores higher overall (79/100 vs 60/100). Both earn "Strong Buy" and "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.

Dominion Energy Inc

UTILITIES · UTILITIES - REGULATED ELECTRIC · USA

Dominion Energy, Inc., commonly referred to as Dominion, is an American power and energy company headquartered in Richmond, Virginia that supplies electricity in parts of Virginia, North Carolina, and South Carolina and supplies natural gas to parts of Utah, West Virginia, Ohio, Pennsylvania, North Carolina, South Carolina, and Georgia. Dominion also has generation facilities in Indiana, Illinois, Connecticut, and Rhode Island.

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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