Hartford Financial Services Group (HIG)vsING Group NV ADR (ING)
HIG
Hartford Financial Services Group
$145.68
+1.58%
FINANCIAL SERVICES · Cap: $38.45B
ING
ING Group NV ADR
$32.50
-2.31%
FINANCIAL SERVICES · Cap: $95.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 17% more annual revenue ($28.79B vs $24.61B). ING leads profitability with a 34.2% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
ING
Buy65
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 41.4% YoY
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 41.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
2.9% revenue growth
Weak financial health signals
Elevated debt levels
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 : ING
The strongest argument for ING centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 34.2% and operating margin at 41.7%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : ING
The primary concerns for ING are PEG Ratio, Revenue Growth, Piotroski F-Score. Debt-to-equity of 3.60 is elevated, increasing financial risk.
Key Dynamics to Monitor
ING carries more volatility with a beta of 0.90 — expect wider price swings.
HIG is growing revenue faster at 6.1% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (77/100 vs 65/100). 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 →ING Group NV ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
ING Groep NV, a financial institution, offers various banking products and services to individuals, small and medium-sized businesses and medium-sized businesses. The company is headquartered in Amsterdam, the Netherlands.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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