Hartford Financial Services Group (HIG)vsProvident Financial Services Inc (PFS)
HIG
Hartford Financial Services Group
$132.02
-0.49%
FINANCIAL SERVICES · Cap: $36.37B
PFS
Provident Financial Services Inc
$22.40
-0.36%
FINANCIAL SERVICES · Cap: $2.93B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 3150% more annual revenue ($28.79B vs $886.01M). PFS leads profitability with a 34.6% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
PFS
Strong Buy73
out of 100
Grade: B
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 53.5%
Earnings expanding 24.2% YoY
Areas to Watch
No major concerns identified
Expensive relative to growth rate
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 : PFS
The strongest argument for PFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.6% and operating margin at 53.5%.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : PFS
The primary concerns for PFS are PEG Ratio.
Key Dynamics to Monitor
HIG profiles as a value stock while PFS is a mature play — different risk/reward profiles.
PFS carries more volatility with a beta of 0.80 — expect wider price swings.
PFS is growing revenue faster at 9.2% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 73/100). 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.
Visit Website →Provident Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Services, Inc. is the banking holding company for Provident Bank offering various banking products and services to individuals, families and businesses in the United States. The company is headquartered in Jersey City, New Jersey.
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