Hartford Financial Services Group (HIG)vsIntercorp Financial Services Inc (IFS)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
IFS
Intercorp Financial Services Inc
$47.12
-2.75%
FINANCIAL SERVICES · Cap: $6.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 395% more annual revenue ($28.79B vs $5.81B). IFS leads profitability with a 35.9% profit margin vs 14.1%. HIG trades at a lower P/E of 9.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
IFS
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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 41.4% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 46.9%
Revenue surging 24.8% year-over-year
Earnings expanding 37.3% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : IFS
The strongest argument for IFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.9% and operating margin at 46.9%. Revenue growth of 24.8% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : IFS
The primary concerns for IFS are Debt/Equity, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while IFS is a growth play — different risk/reward profiles.
IFS carries more volatility with a beta of 0.56 — expect wider price swings.
IFS is growing revenue faster at 24.8% — 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 73/100). 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.
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.
Visit Website →Intercorp Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Intercorp Financial Services Inc. provides banking, insurance and wealth management services for retail and commercial clients in Peru. The company is headquartered in Lima, Peru.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?