WallStSmart

Hartford Financial Services Group (HIG)vsManulife Financial Corp (MFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Manulife Financial Corp generates 11% more annual revenue ($32.03B vs $28.79B). MFC leads profitability with a 20.0% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.0
Piotroski: 6/9Altman Z: 1.23

MFC

Strong Buy

77

out of 100

Grade: B+

Growth: 8.7Profit: 6.5Value: 7.0Quality: 6.5
Piotroski: 5/9

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
9.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
21.5%9/10

Every $100 of equity generates 22 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

MFC6 strengths · Avg: 8.8/10
EPS GrowthGrowth
161.6%10/10

Earnings expanding 161.6% YoY

Market CapQuality
$64.15B9/10

Large-cap with strong market position

Profit MarginProfitability
20.0%9/10

Keeps 20 of every $100 in revenue as profit

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.788/10

Growing faster than its price suggests

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Areas to Watch

HIG1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.232/10

Distress zone — elevated risk

MFC0 concerns · Avg: 0/10

No major concerns identified

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 : MFC

The strongest argument for MFC centers on EPS Growth, Market Cap, Profit Margin. Profitability is solid with margins at 20.0% and operating margin at 19.1%. Revenue growth of 12.1% demonstrates continued momentum.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Bear Case : MFC

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

Key Dynamics to Monitor

HIG profiles as a value stock while MFC is a mature play — different risk/reward profiles.

MFC carries more volatility with a beta of 0.76 — expect wider price swings.

MFC is growing revenue faster at 12.1% — sustainability is the question.

MFC generates stronger free cash flow (3.5B), providing more financial flexibility.

Bottom Line

HIG scores higher overall (79/100 vs 77/100). 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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Manulife Financial Corp

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Manulife Financial Corporation, offers financial products and services in Asia, Canada, the United States and internationally. The company is headquartered in Toronto, Canada.

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