Hartford Financial Services Group (HIG)vsLendingClub Corp (LC)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
LC
LendingClub Corp
$17.07
+3.14%
FINANCIAL SERVICES · Cap: $1.95B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1998% more annual revenue ($28.79B vs $1.37B). HIG leads profitability with a 14.1% profit margin vs 12.8%. HIG trades at a lower P/E of 9.6x. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
LC
Strong Buy68
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 23 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
Strong operational efficiency at 45.2%
Earnings expanding 340.0% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : LC
The strongest argument for LC centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 12.5% demonstrates continued momentum.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : LC
The primary concerns for LC are Market Cap, Free Cash Flow.
Key Dynamics to Monitor
LC carries more volatility with a beta of 1.95 — expect wider price swings.
LC is growing revenue faster at 12.5% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (77/100 vs 68/100). 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 →LendingClub Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
LendingClub Corporation, is a banking holding company for LendingClub Bank, a National Association that offers a range of financial products and services through a technology-driven platform in the United States. The company is headquartered in San Francisco, California.
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