Hartford Financial Services Group (HIG)vsToronto Dominion Bank (TD)
HIG
Hartford Financial Services Group
$142.05
-0.59%
FINANCIAL SERVICES · Cap: $38.90B
TD
Toronto Dominion Bank
$119.39
-1.45%
FINANCIAL SERVICES · Cap: $200.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Toronto Dominion Bank generates 102% more annual revenue ($59.18B vs $29.32B). TD leads profitability with a 25.2% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
TD
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
Mega-cap, among the largest globally
Strong operational efficiency at 35.4%
Generating 10.2B in free cash flow
Keeps 25 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Revenue declined 31.5%
Earnings declined 61.2%
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 : TD
The strongest argument for TD centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 25.2% and operating margin at 35.4%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : TD
The primary concerns for TD are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 2.22 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while TD is a declining play — different risk/reward profiles.
TD carries more volatility with a beta of 0.88 — expect wider price swings.
HIG is growing revenue faster at 8.1% — sustainability is the question.
TD generates stronger free cash flow (10.2B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 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 →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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