WallStSmart

Hartford Financial Services Group (HIG)vsStifel Financial Corporation (SF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 403% more annual revenue ($28.79B vs $5.72B). SF leads profitability with a 15.4% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).

HIG

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

SF

Strong Buy

74

out of 100

Grade: B

Growth: 8.7Profit: 6.5Value: 6.3Quality: 4.8
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HIG6 strengths · Avg: 9.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

SF5 strengths · Avg: 8.4/10
EPS GrowthGrowth
469.2%10/10

Earnings expanding 469.2% YoY

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Operating MarginProfitability
23.5%8/10

Strong operational efficiency at 23.5%

Revenue GrowthGrowth
18.4%8/10

18.4% revenue growth

Areas to Watch

HIG0 concerns · Avg: 0/10

No major concerns identified

SF1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull 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 : SF

The strongest argument for SF centers on EPS Growth, P/E Ratio, Price/Book. Profitability is solid with margins at 15.4% and operating margin at 23.5%. Revenue growth of 18.4% demonstrates continued momentum.

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Bear Case : SF

The primary concerns for SF are Piotroski F-Score.

Key Dynamics to Monitor

HIG profiles as a value stock while SF is a growth play — different risk/reward profiles.

SF carries more volatility with a beta of 1.10 — expect wider price swings.

SF is growing revenue faster at 18.4% — 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 74/100). 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.

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Stifel Financial Corporation

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Stifel Financial Corp. The company is headquartered in St. Louis, Missouri.

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