Hartford Financial Services Group (HIG)vsState Street Corp (STT)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
STT
State Street Corp
$193.40
+1.10%
FINANCIAL SERVICES · Cap: $53.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 95% more annual revenue ($29.32B vs $15.02B). STT leads profitability with a 23.0% 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+
STT
Buy62
out of 100
Grade: C+
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
Large-cap with strong market position
Keeps 23 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 27.8%
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Revenue declined 2.8%
Earnings declined 24.1%
Negative free cash flow — burning cash
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 : STT
The strongest argument for STT centers on Market Cap, Profit Margin, PEG Ratio. Profitability is solid with margins at 23.0% and operating margin at 27.8%. PEG of 0.70 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : STT
The primary concerns for STT are Debt/Equity, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HIG profiles as a value stock while STT is a declining play — different risk/reward profiles.
STT carries more volatility with a beta of 1.42 — expect wider price swings.
HIG 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 62/100). 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.
Visit Website →State Street Corp
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
State Street Corporation is an American financial services and bank holding company headquartered at One Lincoln Street in Boston with operations worldwide.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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