Hartford Financial Services Group (HIG)vsRenaissancere Holdings Ltd (RNR)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
RNR
Renaissancere Holdings Ltd
$288.48
+3.87%
FINANCIAL SERVICES · Cap: $12.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 148% more annual revenue ($28.79B vs $11.59B). RNR leads profitability with a 24.2% 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+
RNR
Strong Buy73
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 41.4% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 100.9% YoY
Every $100 of equity generates 24 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Distress zone — elevated risk
Grey zone — moderate risk
Expensive relative to growth rate
Revenue declined 36.6%
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 : RNR
The strongest argument for RNR centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.2% and operating margin at 26.8%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : RNR
The primary concerns for RNR are Altman Z-Score, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
HIG profiles as a value stock while RNR is a declining play — different risk/reward profiles.
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.
Bottom Line
HIG scores higher overall (79/100 vs 73/100). 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 →Renaissancere Holdings Ltd
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
RenaissanceRe Holdings Ltd. provides insurance and reinsurance products in the United States and internationally. The company is headquartered in Pembroke, Bermuda.
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