Hartford Financial Services Group (HIG)vsReinsurance Group of America (RGA)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
RGA
Reinsurance Group of America
$207.92
-0.96%
FINANCIAL SERVICES · Cap: $13.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 21% more annual revenue ($28.79B vs $23.70B). HIG leads profitability with a 14.1% profit margin vs 5.0%. 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+
RGA
Strong Buy70
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
Earnings expanding 216.6% YoY
Revenue surging 26.6% year-over-year
Areas to Watch
No major concerns identified
5.0% margin — thin
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 : RGA
The strongest argument for RGA centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 26.6% demonstrates continued momentum. PEG of 1.14 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : RGA
The primary concerns for RGA are Profit Margin. Thin 5.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
HIG profiles as a value stock while RGA is a growth play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.53 — expect wider price swings.
RGA is growing revenue faster at 26.6% — 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 70/100). 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 →Reinsurance Group of America
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
Reinsurance Group of America, Incorporated is in the reinsurance business. The company is headquartered in Chesterfield, Missouri.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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