WallStSmart

Carlyle Secured Lending Inc (CGBD)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 10773% more annual revenue ($28.79B vs $264.78M). CGBD leads profitability with a 19.5% 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+).

CGBD

Buy

55

out of 100

Grade: C

Growth: 6.0Profit: 7.0Value: 5.0Quality: 3.5
Piotroski: 2/9Altman Z: 0.58

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.0
Piotroski: 6/9Altman Z: 1.23

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CGBD4 strengths · Avg: 9.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Operating MarginProfitability
74.0%10/10

Strong operational efficiency at 74.0%

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
16.8%8/10

16.8% revenue growth

HIG6 strengths · Avg: 9.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
9.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
21.5%9/10

Every $100 of equity generates 22 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

Areas to Watch

CGBD4 concerns · Avg: 3.0/10
Market CapQuality
$739.45M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.6%3/10

ROE of 4.6% — below average capital efficiency

Debt/EquityHealth
1.243/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

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

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CGBD

The strongest argument for CGBD centers on Price/Book, Operating Margin, P/E Ratio. Profitability is solid with margins at 19.5% and operating margin at 74.0%. Revenue growth of 16.8% 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 : CGBD

The primary concerns for CGBD are Market Cap, Return on Equity, Debt/Equity.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Key Dynamics to Monitor

CGBD profiles as a growth stock while HIG is a value play — different risk/reward profiles.

CGBD carries more volatility with a beta of 0.68 — expect wider price swings.

CGBD is growing revenue faster at 16.8% — 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 55/100). 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.

Carlyle Secured Lending Inc

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

TCG BDC, Inc. is a closed undiversified investment company. The company is headquartered in New York, New York.

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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