Hartford Financial Services Group (HIG)vsProvident Financial Holdings Inc (PROV)
HIG
Hartford Financial Services Group
$136.64
-1.55%
FINANCIAL SERVICES · Cap: $37.46B
PROV
Provident Financial Holdings Inc
$17.16
-0.23%
FINANCIAL SERVICES · Cap: $109.27M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 70459% more annual revenue ($28.79B vs $40.80M). PROV leads profitability with a 16.2% 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+
PROV
Strong Buy65
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
Reasonable price relative to book value
Earnings expanding 70.2% YoY
Attractively priced relative to earnings
Strong operational efficiency at 24.4%
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of 5.2% — below average capital efficiency
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 : PROV
The strongest argument for PROV centers on Price/Book, EPS Growth, P/E Ratio. Profitability is solid with margins at 16.2% and operating margin at 24.4%. Revenue growth of 10.9% demonstrates continued momentum.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : PROV
The primary concerns for PROV are Market Cap, Return on Equity, PEG Ratio.
Key Dynamics to Monitor
HIG profiles as a value stock while PROV is a mature play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.53 — expect wider price swings.
PROV is growing revenue faster at 10.9% — 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 65/100). 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 Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Holdings, Inc. is the parent company of Provident Savings Bank, FSB providing community banking services to consumers and small and medium-sized businesses in the Inland Empire region of Southern California. The company is headquartered in Riverside, California.
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