Hartford Financial Services Group (HIG)vsInter & Co. Inc. Class A Common Shares (INTR)
HIG
Hartford Financial Services Group
$125.85
-0.15%
FINANCIAL SERVICES · Cap: $35.73B
INTR
Inter & Co. Inc. Class A Common Shares
$5.34
+4.09%
FINANCIAL SERVICES · Cap: $2.36B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 340% more annual revenue ($29.32B vs $6.66B). INTR leads profitability with a 22.9% profit margin vs 14.9%. INTR trades at a lower P/E of 8.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
INTR
Strong Buy75
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 36.1% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 23 of every $100 in revenue as profit
Strong operational efficiency at 29.7%
Revenue surging 23.8% year-over-year
Earnings expanding 32.4% YoY
Areas to Watch
Distress zone — elevated risk
Negative free cash flow — burning cash
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 : INTR
The strongest argument for INTR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.9% and operating margin at 29.7%. Revenue growth of 23.8% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : INTR
The primary concerns for INTR are Free Cash Flow, Debt/Equity. Debt-to-equity of 3.10 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while INTR is a growth play — different risk/reward profiles.
INTR carries more volatility with a beta of 0.95 — expect wider price swings.
INTR is growing revenue faster at 23.8% — 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 75/100). 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 →Inter & Co. Inc. Class A Common Shares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Inter & Co. Inc. (ticker: INTR) is a prominent financial services firm in Brazil, distinguished by its innovative solutions in retail and investment banking, as well as wealth management. The company's mission centers around promoting financial inclusion, utilizing cutting-edge technology to improve customer experiences and extend banking access to underserved communities. With a strong focus on digital transformation and operational efficiency, Inter & Co. is well-positioned to capitalize on growth prospects in Brazil's evolving financial sector, rendering it an appealing investment for institutional investors seeking opportunities in emerging markets.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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