Hartford Financial Services Group (HIG)vsNelnet Inc (NNI)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
NNI
Nelnet Inc
$142.48
-1.21%
FINANCIAL SERVICES · Cap: $5.13B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1621% more annual revenue ($28.79B vs $1.67B). NNI leads profitability with a 25.6% profit margin vs 14.1%. 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+
NNI
Buy58
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 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
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
Revenue declined 8.6%
Earnings declined 7.6%
Distress zone — elevated risk
Elevated debt levels
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 : NNI
The strongest argument for NNI centers on PEG Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 25.6% and operating margin at 17.7%. PEG of 0.46 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : NNI
The primary concerns for NNI are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 2.14 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while NNI is a declining play — different risk/reward profiles.
NNI carries more volatility with a beta of 0.81 — 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 58/100). 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 →Nelnet Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Nelnet, Inc. is engaged in the loan management, communications and educational technology, services and payment processing businesses globally. The company is headquartered in Lincoln, Nebraska.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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