WallStSmart

Hartford Financial Services Group (HIG)vsJefferies Financial Group Inc (JEF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 433% more annual revenue ($28.79B vs $5.40B). JEF leads profitability with a 23.0% 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 Buy

77

out of 100

Grade: B+

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

JEF

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 5.5Value: 5.7Quality: 5.8
Piotroski: 4/9Altman Z: 0.63

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

Growing faster than its price suggests

P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

JEF5 strengths · Avg: 8.6/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
23.0%9/10

Keeps 23 of every $100 in revenue as profit

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
26.6%8/10

Revenue surging 26.6% year-over-year

EPS GrowthGrowth
22.8%8/10

Earnings expanding 22.8% YoY

Areas to Watch

HIG0 concerns · Avg: 0/10

No major concerns identified

JEF4 concerns · Avg: 2.8/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Return on EquityProfitability
6.6%3/10

ROE of 6.6% — below average capital efficiency

Free Cash FlowQuality
$-1.10B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.632/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : JEF

The strongest argument for JEF centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 23.0% and operating margin at 13.4%. Revenue growth of 26.6% demonstrates continued momentum.

Bear Case : HIG

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

Bear Case : JEF

The primary concerns for JEF are PEG Ratio, Return on Equity, Free Cash Flow.

Key Dynamics to Monitor

HIG profiles as a value stock while JEF is a growth play — different risk/reward profiles.

JEF carries more volatility with a beta of 1.50 — expect wider price swings.

JEF is growing revenue faster at 26.6% — sustainability is the question.

HIG generates stronger free cash flow (1.0B), providing more financial flexibility.

Bottom Line

HIG scores higher overall (77/100 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.

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Jefferies Financial Group Inc

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Jefferies Financial Group Inc. is engaged in investment banking and capital markets, asset management, and direct investment businesses in the Americas, Europe, the Middle East, Africa, and Asia. The company is headquartered in New York, New York.

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