Citizens Financial Group, Inc. (CFG)vsHartford Financial Services Group (HIG)
CFG
Citizens Financial Group, Inc.
$63.73
-0.76%
FINANCIAL SERVICES · Cap: $27.16B
HIG
Hartford Financial Services Group
$132.02
-0.49%
FINANCIAL SERVICES · Cap: $36.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 265% more annual revenue ($28.79B vs $7.88B). CFG leads profitability with a 25.1% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
CFG
Strong Buy77
out of 100
Grade: B+
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.1%
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 46.8% YoY
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
Areas to Watch
Expensive relative to growth rate
ROE of 7.7% — below average capital efficiency
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : CFG
The strongest argument for CFG centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 25.1% and operating margin at 32.1%. Revenue growth of 13.8% 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 : CFG
The primary concerns for CFG are PEG Ratio, Return on Equity, Altman Z-Score.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Key Dynamics to Monitor
CFG profiles as a mature stock while HIG is a value play — different risk/reward profiles.
CFG carries more volatility with a beta of 1.04 — expect wider price swings.
CFG is growing revenue faster at 13.8% — 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 77/100). 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.
Citizens Financial Group, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island.
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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