Hartford Financial Services Group (HIG)vsWestern Alliance Bancorporation (WAL)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
WAL
Western Alliance Bancorporation
$79.29
+0.01%
FINANCIAL SERVICES · Cap: $8.72B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 741% more annual revenue ($29.32B vs $3.49B). WAL leads profitability with a 28.2% 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+
WAL
Strong Buy75
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
Earnings expanding 36.1% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.4%
Keeps 28 of every $100 in revenue as profit
Areas to Watch
Distress zone — elevated risk
Negative free cash flow — burning cash
Distress zone — elevated risk
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 : WAL
The strongest argument for WAL centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.2% and operating margin at 39.4%. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : WAL
The primary concerns for WAL are Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while WAL is a mature play — different risk/reward profiles.
WAL carries more volatility with a beta of 1.32 — expect wider price swings.
WAL is growing revenue faster at 13.6% — 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 75/100). 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.
Visit Website →Western Alliance Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Western Alliance Bancorporation is the banking holding company for Western Alliance Bank offering various banking products and related services primarily in Arizona, California and Nevada. The company is headquartered in Phoenix, Arizona.
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