WallStSmart

Hartford Financial Services Group (HIG)vsTiptree Inc (TIPT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates -1189319% more annual revenue ($28.79B vs $-2.42M). HIG leads profitability with a 14.1% profit margin vs 0.0%. 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: 7.3Profit: 7.0Value: 8.3Quality: 8.0
Piotroski: 6/9Altman Z: 1.23

TIPT

Buy

55

out of 100

Grade: C-

Growth: 4.7Profit: 5.0Value: 4.0Quality: 5.0
Piotroski: 4/9Altman Z: 0.07

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
9.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
21.5%9/10

Every $100 of equity generates 22 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

TIPT4 strengths · Avg: 9.8/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
3547.0%10/10

Strong operational efficiency at 3547.0%

EPS GrowthGrowth
149.9%10/10

Earnings expanding 149.9% YoY

Debt/EquityHealth
0.169/10

Conservative balance sheet, low leverage

Areas to Watch

HIG1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.232/10

Distress zone — elevated risk

TIPT4 concerns · Avg: 2.8/10
Market CapQuality
$661.99M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.0%3/10

ROE of 6.0% — below average capital efficiency

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

PEG RatioValuation
3.142/10

Expensive relative to growth rate

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 : TIPT

The strongest argument for TIPT centers on Price/Book, Operating Margin, EPS Growth.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Bear Case : TIPT

The primary concerns for TIPT are Market Cap, Return on Equity, Profit Margin.

Key Dynamics to Monitor

TIPT carries more volatility with a beta of 0.93 — 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 (79/100 vs 55/100). 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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Tiptree Inc

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

Tiptree Inc., underwrites and manages specialty insurance products primarily in the United States. The company is headquartered in New York, New York.

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