Hartford Financial Services Group (HIG)vsSun Life Financial Inc. (SLF)
HIG
Hartford Financial Services Group
$132.65
+0.98%
FINANCIAL SERVICES · Cap: $37.00B
SLF
Sun Life Financial Inc.
$62.07
-0.80%
FINANCIAL SERVICES · Cap: $34.44B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 23% more annual revenue ($34.88B vs $28.38B). HIG leads profitability with a 13.5% profit margin vs 10.2%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 81/100 (A-).
HIG
Exceptional Buy81
out of 100
Grade: A-
SLF
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.4%
Fair Value
$629.46
Current Price
$132.65
$496.81 discount
Margin of Safety
+69.0%
Fair Value
$209.66
Current Price
$62.07
$147.59 discount
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
Strong operational efficiency at 20.0%
Earnings expanding 240.9% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 5.3B in free cash flow
Areas to Watch
No major concerns identified
4.7% revenue growth
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 : SLF
The strongest argument for SLF centers on EPS Growth, PEG Ratio, P/E Ratio. PEG of 0.88 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth.
Key Dynamics to Monitor
SLF carries more volatility with a beta of 0.80 — expect wider price swings.
HIG is growing revenue faster at 6.7% — sustainability is the question.
SLF generates stronger free cash flow (5.3B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (81/100 vs 74/100). SLF offers better value entry with a 69.0% margin of safety. Both earn "Exceptional 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 →Sun Life Financial Inc.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.
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