WallStSmart

Fidelis Insurance Holdings Limited (FIHL)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 1035% more annual revenue ($28.38B vs $2.50B). HIG leads profitability with a 13.5% profit margin vs 9.0%. FIHL trades at a lower P/E of 9.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).

FIHL

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 6.5Value: 8.3Quality: 6.0
Piotroski: 3/9

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 10.0Quality: 8.3
Piotroski: 6/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FIHLUndervalued (+80.0%)

Margin of Safety

+80.0%

Fair Value

$98.75

Current Price

$19.11

$79.64 discount

UndervaluedFair: $98.75Overvalued
HIGUndervalued (+77.2%)

Margin of Safety

+77.2%

Fair Value

$623.84

Current Price

$134.10

$489.74 discount

UndervaluedFair: $623.84Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FIHL4 strengths · Avg: 9.0/10
P/E RatioValuation
9.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Operating MarginProfitability
25.8%8/10

Strong operational efficiency at 25.8%

EPS GrowthGrowth
41.1%8/10

Earnings expanding 41.1% YoY

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

Growing faster than its price suggests

P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Return on EquityProfitability
21.7%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

Operating MarginProfitability
20.0%8/10

Strong operational efficiency at 20.0%

Areas to Watch

FIHL3 concerns · Avg: 2.7/10
Market CapQuality
$1.65B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-10.8%2/10

Revenue declined 10.8%

HIG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : FIHL

The strongest argument for FIHL centers on P/E Ratio, Price/Book, Operating Margin.

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 : FIHL

The primary concerns for FIHL are Market Cap, Piotroski F-Score, Revenue Growth.

Bear Case : HIG

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

Key Dynamics to Monitor

HIG carries more volatility with a beta of 0.52 — expect wider price swings.

HIG is growing revenue faster at 6.7% — sustainability is the question.

HIG generates stronger free cash flow (1.8B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HIG scores higher overall (79/100 vs 61/100). FIHL offers better value entry with a 80.0% margin of safety. 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.

Fidelis Insurance Holdings Limited

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Fidelis Insurance Holdings Limited, provides insurance and reinsurance products in Bermuda, Ireland, and the United Kingdom. The company is headquartered in Pembroke, Bermuda.

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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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