Hartford Financial Services Group (HIG)vsRLI Corp (RLI)
HIG
Hartford Financial Services Group
$130.73
-0.88%
FINANCIAL SERVICES · Cap: $35.73B
RLI
RLI Corp
$58.13
-1.59%
FINANCIAL SERVICES · Cap: $5.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1385% more annual revenue ($29.32B vs $1.97B). RLI leads profitability with a 22.2% profit margin vs 14.9%. 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
Strong Buy77
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 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 36.1% YoY
Strong operational efficiency at 36.9%
Every $100 of equity generates 22 in profit
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
15.2% revenue growth
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
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 Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 22.2% and operating margin at 36.9%. Revenue growth of 15.2% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while RLI is a growth play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.45 — expect wider price swings.
RLI is growing revenue faster at 15.2% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 77/100). 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 →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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