WallStSmart

Hartford Financial Services Group (HIG)vsMedallion Financial Corp (MFIN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 8277% more annual revenue ($29.32B vs $349.97M). HIG leads profitability with a 14.9% profit margin vs 9.3%. 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: 8.0
Piotroski: 6/9Altman Z: 1.23

MFIN

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 7.7Quality: 7.5
Piotroski: 6/9Altman Z: 1.58

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
9.8x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.2%9/10

Every $100 of equity generates 22 in profit

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

EPS GrowthGrowth
36.1%8/10

Earnings expanding 36.1% YoY

MFIN4 strengths · Avg: 9.5/10
P/E RatioValuation
8.2x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Operating MarginProfitability
46.9%10/10

Strong operational efficiency at 46.9%

PEG RatioValuation
0.778/10

Growing faster than its price suggests

Areas to Watch

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

Distress zone — elevated risk

MFIN4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.5%4/10

2.5% revenue growth

Altman Z-ScoreHealth
1.584/10

Distress zone — elevated risk

Market CapQuality
$250.27M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-32.6%2/10

Earnings declined 32.6%

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 : MFIN

The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. PEG of 0.77 suggests the stock is reasonably priced for its growth.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Bear Case : MFIN

The primary concerns for MFIN are Revenue Growth, Altman Z-Score, Market Cap.

Key Dynamics to Monitor

MFIN carries more volatility with a beta of 0.77 — expect wider price swings.

HIG is growing revenue faster at 8.1% — sustainability is the question.

HIG generates stronger free cash flow (1.1B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HIG scores higher overall (77/100 vs 61/100). 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.

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Medallion Financial Corp

FINANCIAL SERVICES · CREDIT SERVICES · USA

Medallion Financial Corp. The company is headquartered in New York City, New York.

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