WallStSmart

Hartford Financial Services Group (HIG)vsSecurity National Financial (SNFCA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 8255% more annual revenue ($28.79B vs $344.59M). HIG leads profitability with a 14.1% profit margin vs 9.3%. SNFCA trades at a lower P/E of 7.8x. 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

SNFCA

Buy

59

out of 100

Grade: C

Growth: 8.0Profit: 6.0Value: 6.7Quality: 6.5
Piotroski: 5/9Altman Z: 0.91

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

SNFCA4 strengths · Avg: 9.5/10
P/E RatioValuation
7.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

EPS GrowthGrowth
414.7%10/10

Earnings expanding 414.7% YoY

Operating MarginProfitability
22.2%8/10

Strong operational efficiency at 22.2%

Areas to Watch

HIG0 concerns · Avg: 0/10

No major concerns identified

SNFCA3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

Market CapQuality
$244.76M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
0.912/10

Distress zone — elevated risk

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 : SNFCA

The strongest argument for SNFCA centers on P/E Ratio, Price/Book, EPS Growth.

Bear Case : HIG

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

Bear Case : SNFCA

The primary concerns for SNFCA are Revenue Growth, Market Cap, Altman Z-Score.

Key Dynamics to Monitor

SNFCA carries more volatility with a beta of 0.70 — 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 (77/100 vs 59/100). 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.

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Security National Financial

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Security National Financial Corporation is engaged in the life, cemetery and mortuary, and mortgage insurance businesses. The company is headquartered in Draper, Utah.

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