WallStSmart

Hartford Financial Services Group (HIG)vsWalker & Dunlop Inc (WD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 2347% more annual revenue ($29.32B vs $1.20B). HIG leads profitability with a 14.9% profit margin vs 3.3%. 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

WD

Hold

46

out of 100

Grade: D+

Growth: 2.0Profit: 4.0Value: 5.0Quality: 3.0
Piotroski: 2/9Altman Z: 0.65

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
9.4x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.2%9/10

Every $100 of equity generates 22 in profit

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

EPS GrowthGrowth
36.1%8/10

Earnings expanding 36.1% YoY

WD1 strengths · Avg: 10.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Areas to Watch

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

Distress zone — elevated risk

WD4 concerns · Avg: 3.3/10
P/E RatioValuation
37.6x4/10

Premium valuation, high expectations priced in

Market CapQuality
$1.42B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.2%3/10

ROE of 4.2% — below average capital efficiency

Profit MarginProfitability
3.3%3/10

3.3% margin — thin

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 : WD

The strongest argument for WD centers on Price/Book. PEG of 1.09 suggests the stock is reasonably priced for its growth.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Bear Case : WD

The primary concerns for WD are P/E Ratio, Market Cap, Return on Equity. Thin 3.3% margins leave little buffer for downturns.

Key Dynamics to Monitor

WD carries more volatility with a beta of 1.44 — expect wider price swings.

HIG is growing revenue faster at 8.1% — sustainability is the question.

HIG generates stronger free cash flow (1.1B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HIG scores higher overall (79/100 vs 46/100). Both earn "Strong Buy" and "Hold" 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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Walker & Dunlop Inc

FINANCIAL SERVICES · MORTGAGE FINANCE · USA

Walker & Dunlop, Inc. originates, sells and services a variety of commercial and multifamily real estate financing products and services for real estate owners and developers in the United States. The company is headquartered in Bethesda, Maryland.

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