Hartford Financial Services Group (HIG)vsIntercorp Financial Services Inc (IFS)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
IFS
Intercorp Financial Services Inc
$54.73
+0.11%
FINANCIAL SERVICES · Cap: $6.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 400% more annual revenue ($29.32B vs $5.87B). IFS leads profitability with a 35.7% 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+).
HIG
Strong Buy79
out of 100
Grade: B+
IFS
Buy59
out of 100
Grade: C
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 36.1% YoY
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Reasonable price relative to book value
Generating 2.7B in free cash flow
Areas to Watch
Distress zone — elevated risk
3.8% revenue growth
2.4% earnings growth
Elevated debt levels
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, Profit Margin, Operating Margin. Profitability is solid with margins at 35.7% and operating margin at 44.7%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : IFS
The primary concerns for IFS are Revenue Growth, EPS Growth, Debt/Equity.
Key Dynamics to Monitor
HIG carries more volatility with a beta of 0.45 — expect wider price swings.
HIG is growing revenue faster at 8.1% — sustainability is the question.
IFS generates stronger free cash flow (2.7B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (79/100 vs 59/100). 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.
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.
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