Hartford Financial Services Group (HIG)vsWhite Mountains Insurance Group Ltd (WTM)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
WTM
White Mountains Insurance Group Ltd
$2,206.00
-2.55%
FINANCIAL SERVICES · Cap: $5.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 671% more annual revenue ($28.79B vs $3.73B). WTM leads profitability with a 29.6% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. WTM earns a higher WallStSmart Score of 82/100 (A-).
HIG
Strong Buy77
out of 100
Grade: B+
WTM
Exceptional Buy82
out of 100
Grade: A-
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 23 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 64.3%
Revenue surging 348.0% year-over-year
Every $100 of equity generates 21 in profit
Keeps 30 of every $100 in revenue as profit
Areas to Watch
No major concerns identified
Grey zone — moderate risk
Weak financial health signals
Earnings declined 36.6%
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 : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 64.3%. Revenue growth of 348.0% demonstrates continued momentum.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : WTM
The primary concerns for WTM are Altman Z-Score, Piotroski F-Score, EPS Growth.
Key Dynamics to Monitor
HIG profiles as a value stock while WTM is a growth play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.53 — expect wider price swings.
WTM is growing revenue faster at 348.0% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
WTM scores higher overall (82/100 vs 77/100), backed by strong 29.6% margins and 348.0% revenue growth. Both earn "Exceptional 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 →White Mountains Insurance Group Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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