Hartford Financial Services Group (HIG)vsPRA Group Inc (PRAA)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
PRAA
PRA Group Inc
$21.91
-1.17%
FINANCIAL SERVICES · Cap: $864.97M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 2296% more annual revenue ($28.79B vs $1.20B). HIG leads profitability with a 14.1% profit margin vs -25.4%. 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+
PRAA
Buy64
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
Reasonable price relative to book value
Strong operational efficiency at 38.1%
Earnings expanding 211.3% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Expensive relative to growth rate
ROE of -26.0% — below average capital efficiency
Negative free cash flow — burning cash
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 : PRAA
The strongest argument for PRAA centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 13.7% demonstrates continued momentum.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : PRAA
The primary concerns for PRAA are Market Cap, PEG Ratio, Return on Equity.
Key Dynamics to Monitor
HIG profiles as a value stock while PRAA is a turnaround play — different risk/reward profiles.
PRAA carries more volatility with a beta of 1.14 — expect wider price swings.
PRAA is growing revenue faster at 13.7% — 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 64/100). 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 →PRA Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PRA Group, Inc., a service company, is engaged in the purchase, collection and management of delinquent loan portfolios in the Americas, Australia and Europe. The company is headquartered in Norfolk, Virginia.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?