Hartford Financial Services Group (HIG)vsSafety Insurance Group Inc (SAFT)
HIG
Hartford Financial Services Group
$129.50
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
SAFT
Safety Insurance Group Inc
$70.62
+2.82%
FINANCIAL SERVICES · Cap: $1.05B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 2155% more annual revenue ($28.79B vs $1.28B). HIG leads profitability with a 14.1% profit margin vs 4.9%. 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+
SAFT
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
Reasonable price relative to book value
Earnings expanding 153.2% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
4.4% revenue growth
Smaller company, higher risk/reward
ROE of 7.4% — below average capital efficiency
4.9% 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 : SAFT
The strongest argument for SAFT centers on Price/Book, EPS Growth, Debt/Equity. PEG of 0.95 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : SAFT
The primary concerns for SAFT are Revenue Growth, Market Cap, Return on Equity. Thin 4.9% margins leave little buffer for downturns.
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 →Safety Insurance Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Safety Insurance Group, Inc. offers private passenger and commercial auto and homeowners insurance in the United States. The company is headquartered in Boston, Massachusetts.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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