WallStSmart

Hartford Financial Services Group (HIG)vsStewart Information Services Corp (STC)

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Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 776% more annual revenue ($29.59B vs $3.38B). HIG leads profitability with a 15.6% profit margin vs 3.6%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 6.0Profit: 7.5Value: 8.3Quality: 6.5
Piotroski: 6/9Altman Z: 1.23

STC

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 5.0Value: 5.7Quality: 5.5
Piotroski: 2/9Altman Z: 2.11

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
9.2x10/10

Attractively priced relative to earnings

Return on EquityProfitability
24.4%9/10

Every $100 of equity generates 24 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Operating MarginProfitability
22.6%8/10

Strong operational efficiency at 22.6%

STC2 strengths · Avg: 10.0/10
P/E RatioValuation
11.2x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Areas to Watch

HIG2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.9%4/10

3.9% revenue growth

Altman Z-ScoreHealth
1.232/10

Distress zone — elevated risk

STC4 concerns · Avg: 3.0/10
Market CapQuality
$1.37B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Profit MarginProfitability
3.6%3/10

3.6% margin — thin

Piotroski F-ScoreQuality
2/93/10

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. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.

Bull Case : STC

The strongest argument for STC centers on P/E Ratio, Price/Book. Revenue growth of 13.0% demonstrates continued momentum.

Bear Case : HIG

The primary concerns for HIG are Revenue Growth, Altman Z-Score.

Bear Case : STC

The primary concerns for STC are Market Cap, Return on Equity, Profit Margin. Thin 3.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

STC carries more volatility with a beta of 1.04 — expect wider price swings.

STC is growing revenue faster at 13.0% — sustainability is the question.

HIG generates stronger free cash flow (2.9B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HIG scores higher overall (79/100 vs 51/100), backed by strong 15.6% margins. 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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Stewart Information Services Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.

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