Hartford Financial Services Group (HIG)vsNavient Corp (NAVI)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
NAVI
Navient Corp
$9.24
-2.84%
FINANCIAL SERVICES · Cap: $893.84M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 8651% more annual revenue ($28.79B vs $329.00M). HIG leads profitability with a 14.1% profit margin vs -18.5%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
NAVI
Hold49
out of 100
Grade: D+
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
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 28.8%
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of -2.5% — below average capital efficiency
Revenue declined 0.8%
Earnings declined 59.4%
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 : NAVI
The strongest argument for NAVI centers on PEG Ratio, Price/Book, Operating Margin. PEG of 0.14 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : NAVI
The primary concerns for NAVI are Market Cap, Return on Equity, Revenue Growth.
Key Dynamics to Monitor
HIG profiles as a value stock while NAVI is a turnaround play — different risk/reward profiles.
NAVI carries more volatility with a beta of 1.29 — 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 (77/100 vs 49/100). Both earn "Strong Buy" and "Hold" 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 →Navient Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Navient Corporation provides education loan management and business processing solutions for federal, state, and local government, education, and healthcare clients in the United States. The company is headquartered in Wilmington, Delaware.
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