WallStSmart

Hartford Financial Services Group (HIG)vsTransUnion (TRU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 509% more annual revenue ($28.79B vs $4.73B). TRU leads profitability with a 14.9% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).

HIG

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

TRU

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 7.0Value: 5.7Quality: 6.0
Piotroski: 6/9Altman Z: 1.52

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
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 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

TRU1 strengths · Avg: 10.0/10
EPS GrowthGrowth
172.0%10/10

Earnings expanding 172.0% YoY

Areas to Watch

HIG0 concerns · Avg: 0/10

No major concerns identified

TRU2 concerns · Avg: 3.5/10
Altman Z-ScoreHealth
1.524/10

Distress zone — elevated risk

Debt/EquityHealth
1.153/10

Elevated debt levels

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 : TRU

The strongest argument for TRU centers on EPS Growth. Revenue growth of 13.7% demonstrates continued momentum. PEG of 1.13 suggests the stock is reasonably priced for its growth.

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Bear Case : TRU

The primary concerns for TRU are Altman Z-Score, Debt/Equity.

Key Dynamics to Monitor

TRU carries more volatility with a beta of 1.71 — expect wider price swings.

TRU is growing revenue faster at 13.7% — 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 (77/100 vs 72/100). 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.

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TransUnion

FINANCIAL SERVICES · FINANCIAL DATA & STOCK EXCHANGES · USA

TransUnion offers risk and information solutions. The company is headquartered in Chicago, Illinois.

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