First BanCorp. (FBP)vsHartford Financial Services Group (HIG)
FBP
First BanCorp.
$26.70
+0.07%
FINANCIAL SERVICES · Cap: $4.18B
HIG
Hartford Financial Services Group
$132.06
+1.55%
FINANCIAL SERVICES · Cap: $34.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 3001% more annual revenue ($29.59B vs $954.21M). FBP leads profitability with a 39.0% 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+).
FBP
Strong Buy66
out of 100
Grade: B-
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 49.1%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 24.4% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
3.9% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FBP
The strongest argument for FBP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 39.0% and operating margin at 49.1%.
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 : FBP
The primary concerns for FBP are PEG Ratio, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
FBP profiles as a mature stock while HIG is a value play — different risk/reward profiles.
FBP carries more volatility with a beta of 0.83 — expect wider price swings.
FBP is growing revenue faster at 9.4% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 66/100), 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.
First BanCorp.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First BanCorp. The company is headquartered in Santurce, Puerto Rico.
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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