Hartford Financial Services Group (HIG)vsToronto Dominion Bank (TD)
HIG
Hartford Financial Services Group
$135.52
+2.21%
FINANCIAL SERVICES · Cap: $34.77B
TD
Toronto Dominion Bank
$124.74
-0.24%
FINANCIAL SERVICES · Cap: $203.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Toronto Dominion Bank generates 106% more annual revenue ($60.82B vs $29.59B). TD leads profitability with a 26.6% profit margin vs 15.6%. 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+
TD
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
Strong operational efficiency at 22.6%
Mega-cap, among the largest globally
Strong operational efficiency at 38.0%
Keeps 27 of every $100 in revenue as profit
Reasonable price relative to book value
Earnings expanding 45.0% YoY
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
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. 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 : TD
The strongest argument for TD centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 26.6% and operating margin at 38.0%. Revenue growth of 11.5% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : TD
The primary concerns for TD are Free Cash Flow, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.35 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while TD is a mature play — different risk/reward profiles.
TD carries more volatility with a beta of 0.87 — expect wider price swings.
TD is growing revenue faster at 11.5% — 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 78/100), backed by strong 15.6% margins. 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 →Toronto Dominion Bank
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Toronto-Dominion Bank offers a variety of personal and commercial banking products and services in Canada and the United States. The company is headquartered in Toronto, Canada.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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