Hartford Financial Services Group (HIG)vsSLM Corp (SLM)
HIG
Hartford Financial Services Group
$136.03
-1.13%
FINANCIAL SERVICES · Cap: $36.75B
SLM
SLM Corp
$26.15
-0.95%
FINANCIAL SERVICES · Cap: $4.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1639% more annual revenue ($29.32B vs $1.69B). SLM leads profitability with a 43.6% 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+
SLM
Strong Buy70
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
Attractively priced relative to earnings
Every $100 of equity generates 31 in profit
Keeps 44 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 29.2%
Areas to Watch
Distress zone — elevated risk
Earnings declined 9.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 : SLM
The strongest argument for SLM centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 43.6% and operating margin at 29.2%. PEG of 0.58 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : SLM
The primary concerns for SLM are EPS Growth, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.36 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while SLM is a mature play — different risk/reward profiles.
SLM carries more volatility with a beta of 0.97 — expect wider price swings.
SLM is growing revenue faster at 8.1% — 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 70/100). 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 →SLM Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
SLM Corporation originates and provides private education loan services to students and their families to finance the cost of their education in the United States. The company is headquartered in Newark, Delaware.
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