Hartford Financial Services Group (HIG)vsMarkel Corporation (MKL)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
MKL
Markel Corporation
$1,818.67
+2.27%
FINANCIAL SERVICES · Cap: $23.10B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 80% more annual revenue ($28.79B vs $16.01B). HIG leads profitability with a 14.1% profit margin vs 11.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
MKL
Buy57
out of 100
Grade: C
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 41.4% YoY
Reasonable price relative to book value
Earnings expanding 95.4% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 16.9%
Negative free cash flow — burning cash
Operating margin of -9.7%
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 : MKL
The strongest argument for MKL centers on Price/Book, EPS Growth, Debt/Equity.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : MKL
The primary concerns for MKL are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
HIG profiles as a value stock while MKL is a declining play — different risk/reward profiles.
MKL carries more volatility with a beta of 0.67 — expect wider price swings.
HIG is growing revenue faster at 6.1% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 57/100). 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.
Visit Website →Markel Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Markel Corporation, a diverse financial holding company, markets and underwrites specialty insurance products in the United States, Bermuda, the United Kingdom, rest of Europe, Canada, Latin America, Asia Pacific and the Middle East. The company is headquartered in Glen Allen, Virginia.
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