WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 11166% more annual revenue ($28.79B vs $255.57M). CGBD leads profitability with a 27.4% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).

CGBD

Buy

59

out of 100

Grade: C

Growth: 6.0Profit: 7.5Value: 5.7Quality: 5.0
Piotroski: 4/9Altman Z: 0.83

HIG

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CGBD5 strengths · Avg: 9.4/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Operating MarginProfitability
74.5%10/10

Strong operational efficiency at 74.5%

Profit MarginProfitability
27.4%9/10

Keeps 27 of every $100 in revenue as profit

Revenue GrowthGrowth
18.7%8/10

18.7% revenue growth

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

Growing faster than its price suggests

P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 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: 2.8/10
Market CapQuality
$812.08M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.8%3/10

ROE of 6.8% — below average capital efficiency

Debt/EquityHealth
1.103/10

Elevated debt levels

PEG RatioValuation
3.542/10

Expensive relative to growth rate

HIG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : CGBD

The strongest argument for CGBD centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.4% and operating margin at 74.5%. Revenue growth of 18.7% 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 : CGBD

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

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

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 0.71 — expect wider price swings.

CGBD is growing revenue faster at 18.7% — sustainability is the question.

HIG generates stronger free cash flow (1.0B), providing more financial flexibility.

Bottom Line

HIG scores higher overall (77/100 vs 59/100). 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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