Hartford Financial Services Group (HIG)vsSumitomo Mitsui Financial Group Inc (SMFG)
HIG
Hartford Financial Services Group
$143.05
-1.81%
FINANCIAL SERVICES · Cap: $38.45B
SMFG
Sumitomo Mitsui Financial Group Inc
$25.78
+3.29%
FINANCIAL SERVICES · Cap: $158.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Sumitomo Mitsui Financial Group Inc generates 15111% more annual revenue ($4.38T vs $28.79B). SMFG leads profitability with a 27.1% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. SMFG earns a higher WallStSmart Score of 78/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
SMFG
Strong Buy78
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
Strong operational efficiency at 271.1%
Revenue surging 36.8% year-over-year
Earnings expanding 354.6% YoY
Generating 7.3T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
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 : SMFG
The strongest argument for SMFG centers on Operating Margin, Revenue Growth, EPS Growth. Profitability is solid with margins at 27.1% and operating margin at 271.1%. Revenue growth of 36.8% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : SMFG
The primary concerns for SMFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.70 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while SMFG is a growth play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.47 — expect wider price swings.
SMFG is growing revenue faster at 36.8% — sustainability is the question.
SMFG generates stronger free cash flow (7.3T), providing more financial flexibility.
Bottom Line
SMFG scores higher overall (78/100 vs 77/100), backed by strong 27.1% margins and 36.8% revenue growth. 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 →Sumitomo Mitsui Financial Group Inc
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Sumitomo Mitsui Financial Group, Inc. provides commercial banking, finance leasing, securities, consumer finance, and other services primarily in Japan. The company is headquartered in Tokyo, Japan.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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