WallStSmart

Hartford Financial Services Group (HIG)vsWestwood Holdings Group Inc (WHG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 28725% more annual revenue ($29.32B vs $101.70M). HIG leads profitability with a 14.9% profit margin vs 7.7%. HIG trades at a lower P/E of 9.4x. 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

WHG

Buy

51

out of 100

Grade: C-

Growth: 8.0Profit: 4.5Value: 5.3Quality: 8.5
Piotroski: 3/9Altman Z: 3.23

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

WHG4 strengths · Avg: 9.5/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.1010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.2310/10

Safe zone — low bankruptcy risk

EPS GrowthGrowth
41.7%8/10

Earnings expanding 41.7% YoY

Areas to Watch

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

Distress zone — elevated risk

WHG4 concerns · Avg: 3.0/10
Market CapQuality
$187.62M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.9%3/10

ROE of 5.9% — below average capital efficiency

Profit MarginProfitability
7.7%3/10

7.7% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : WHG

The strongest argument for WHG centers on Price/Book, Debt/Equity, Altman Z-Score.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Bear Case : WHG

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

Key Dynamics to Monitor

WHG carries more volatility with a beta of 0.58 — expect wider price swings.

WHG is growing revenue faster at 9.6% — 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 51/100). 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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Westwood Holdings Group Inc

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Westwood Holdings Group, Inc., manages investment assets and provides services to its clients. The company is headquartered in Dallas, Texas.

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