WallStSmart

Hartford Financial Services Group (HIG)vsNorthern Trust Corporation (NTRS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 244% more annual revenue ($28.79B vs $8.36B). NTRS leads profitability with a 22.4% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. NTRS earns a higher WallStSmart Score of 78/100 (B+).

HIG

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

NTRS

Strong Buy

78

out of 100

Grade: B+

Growth: 8.7Profit: 7.0Value: 6.3Quality: 3.3
Piotroski: 3/9Altman Z: -0.35

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
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

NTRS5 strengths · Avg: 8.6/10
Operating MarginProfitability
31.7%10/10

Strong operational efficiency at 31.7%

Profit MarginProfitability
22.4%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
42.6%8/10

Earnings expanding 42.6% YoY

Areas to Watch

HIG0 concerns · Avg: 0/10

No major concerns identified

NTRS2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.352/10

Distress zone — elevated risk

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 : NTRS

The strongest argument for NTRS centers on Operating Margin, Profit Margin, P/E Ratio. Profitability is solid with margins at 22.4% and operating margin at 31.7%. Revenue growth of 13.9% demonstrates continued momentum.

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Bear Case : NTRS

The primary concerns for NTRS are Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

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

NTRS carries more volatility with a beta of 1.24 — expect wider price swings.

NTRS is growing revenue faster at 13.9% — sustainability is the question.

HIG generates stronger free cash flow (1.0B), providing more financial flexibility.

Bottom Line

NTRS scores higher overall (78/100 vs 77/100), backed by strong 22.4% margins and 13.9% revenue growth. 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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Northern Trust Corporation

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Northern Trust Corporation is a financial services company headquartered in Chicago, Illinois that caters to corporations, institutional investors, and ultra high net worth individuals.

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