Hartford Financial Services Group (HIG)vsOppFi Inc (OPFI)
HIG
Hartford Financial Services Group
$136.90
-0.20%
FINANCIAL SERVICES · Cap: $36.85B
OPFI
OppFi Inc
$5.91
-1.17%
FINANCIAL SERVICES · Cap: $497.62M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 9230% more annual revenue ($29.59B vs $317.10M). OPFI leads profitability with a 29.8% profit margin vs 15.6%. OPFI trades at a lower P/E of 2.7x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
OPFI
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 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 44.1%
Safe zone — low bankruptcy risk
Every $100 of equity generates 21 in profit
Keeps 30 of every $100 in revenue as profit
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 11.0%
Earnings declined 48.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.8% and operating margin at 44.1%.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
HIG profiles as a value stock while OPFI is a declining play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.93 — expect wider price swings.
HIG is growing revenue faster at 3.9% — sustainability is the question.
HIG generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 57/100), backed by strong 15.6% margins. 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 →OppFi Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
OppFi Inc. is a leading financial technology company specializing in innovative consumer lending solutions for the underbanked population. Utilizing its proprietary platform and advanced data analytics, OppFi delivers fair and transparent loan products that emphasize responsible lending through precise credit assessments driven by machine learning. The company's strong commitment to improving financial accessibility, combined with its focus on growth within the dynamic fintech sector, positions it well for future expansion and enhances its competitive edge in a rapidly evolving market. As a publicly traded firm, OppFi is poised to capitalize on emerging opportunities while maintaining its mission of empowering customers through tailored financial solutions.
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