The Baldwin Insurance Group, Inc. (BWIN)vsHartford Financial Services Group (HIG)
BWIN
The Baldwin Insurance Group, Inc.
$19.88
+3.33%
FINANCIAL SERVICES · Cap: $1.77B
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1673% more annual revenue ($28.79B vs $1.62B). HIG leads profitability with a 14.1% profit margin vs -2.8%. HIG earns a higher WallStSmart Score of 79/100 (B+).
BWIN
Hold39
out of 100
Grade: F
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 28.7% year-over-year
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 41.4% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
ROE of -4.7% — below average capital efficiency
Earnings declined 90.0%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BWIN
The strongest argument for BWIN centers on Price/Book, Revenue Growth. Revenue growth of 28.7% demonstrates continued momentum.
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.
Bear Case : BWIN
The primary concerns for BWIN are Market Cap, Piotroski F-Score, Return on Equity. Debt-to-equity of 2.67 is elevated, increasing financial risk.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
BWIN profiles as a growth stock while HIG is a value play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.15 — expect wider price swings.
BWIN is growing revenue faster at 28.7% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 39/100). 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.
The Baldwin Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE BROKERS · USA
The Baldwin Insurance Group, Inc. is an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. The company is headquartered in Tampa, Florida.
Visit Website →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 →Compare with Other INSURANCE BROKERS Stocks
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