Hartford Financial Services Group (HIG)vsRLI Corp (RLI)
HIG
Hartford Financial Services Group
$129.50
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
RLI
RLI Corp
$52.38
+4.03%
FINANCIAL SERVICES · Cap: $5.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1416% more annual revenue ($28.79B vs $1.90B). RLI leads profitability with a 20.8% 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+
RLI
Buy61
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 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Every $100 of equity generates 22 in profit
Keeps 21 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
4.0% revenue growth
Earnings declined 12.2%
Distress zone — elevated risk
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 : RLI
The strongest argument for RLI centers on Return on Equity, Profit Margin, Debt/Equity. Profitability is solid with margins at 20.8% and operating margin at 15.9%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HIG carries more volatility with a beta of 0.47 — expect wider price swings.
HIG is growing revenue faster at 6.1% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (79/100 vs 61/100). 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 →RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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