First Capital Inc (FCAP)vsHartford Financial Services Group (HIG)
FCAP
First Capital Inc
$62.65
-1.03%
FINANCIAL SERVICES · Cap: $205.56M
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 54963% more annual revenue ($29.32B vs $53.24M). FCAP leads profitability with a 34.6% profit margin vs 14.9%. HIG trades at a lower P/E of 9.4x. HIG earns a higher WallStSmart Score of 79/100 (B+).
FCAP
Buy62
out of 100
Grade: C+
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 43.4%
Earnings expanding 26.5% 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
Earnings expanding 36.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FCAP
The strongest argument for FCAP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.6% and operating margin at 43.4%. Revenue growth of 14.4% 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 : FCAP
The primary concerns for FCAP are Market Cap, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
FCAP profiles as a mature stock while HIG is a value play — different risk/reward profiles.
FCAP carries more volatility with a beta of 0.74 — expect wider price swings.
FCAP is growing revenue faster at 14.4% — 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 62/100). 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.
First Capital Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Capital, Inc. is the banking holding company for First Harrison Bank providing various banking services to individuals and commercial clients. The company is headquartered in Corydon, Indiana.
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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