WallStSmart

Hartford Financial Services Group (HIG)vsNewtekOne, Inc. (NEWT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 7109% more annual revenue ($29.32B vs $406.63M). NEWT leads profitability with a 16.1% profit margin vs 14.9%. 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

NEWT

Strong Buy

68

out of 100

Grade: B-

Growth: 6.0Profit: 8.0Value: 5.7Quality: 5.0
Piotroski: 3/9Altman Z: -0.16

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
22.2%9/10

Every $100 of equity generates 22 in profit

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
36.1%8/10

Earnings expanding 36.1% YoY

NEWT3 strengths · Avg: 10.0/10
P/E RatioValuation
5.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Operating MarginProfitability
52.0%10/10

Strong operational efficiency at 52.0%

Areas to Watch

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

Distress zone — elevated risk

NEWT4 concerns · Avg: 2.8/10
Market CapQuality
$343.44M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.353/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.202/10

Expensive relative to growth rate

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 : NEWT

The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.1% and operating margin at 52.0%. Revenue growth of 14.7% demonstrates continued momentum.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Bear Case : NEWT

The primary concerns for NEWT are Market Cap, Debt/Equity, Piotroski F-Score.

Key Dynamics to Monitor

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

NEWT carries more volatility with a beta of 1.35 — expect wider price swings.

NEWT is growing revenue faster at 14.7% — sustainability is the question.

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

Bottom Line

HIG scores higher overall (79/100 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.

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NewtekOne, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

NewtekOne, Inc. (NEWT) is a leading provider of diversified business solutions designed specifically for small to medium-sized enterprises (SMBs) across the United States. The company delivers an extensive portfolio of services, including payment processing, business lending, and cutting-edge technology solutions, aimed at driving operational excellence and facilitating growth for its clients. With a robust emphasis on innovation and customer satisfaction, NewtekOne has established itself as a vital partner for SMBs navigating a competitive environment, positioning the company for sustained success in a rapidly evolving marketplace.

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