Central Pacific Financial Corp (CPF)vsHartford Financial Services Group (HIG)
CPF
Central Pacific Financial Corp
$35.19
+1.18%
FINANCIAL SERVICES · Cap: $926.86M
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 10076% more annual revenue ($28.79B vs $282.94M). CPF leads profitability with a 28.4% 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+).
CPF
Strong Buy72
out of 100
Grade: B
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Strong operational efficiency at 38.1%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 20.0% YoY
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
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CPF
The strongest argument for CPF centers on P/E Ratio, Operating Margin, Profit Margin. Profitability is solid with margins at 28.4% and operating margin at 38.1%.
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 : CPF
The primary concerns for CPF are PEG Ratio, Market Cap.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
CPF profiles as a mature stock while HIG is a value play — different risk/reward profiles.
CPF carries more volatility with a beta of 0.85 — expect wider price swings.
CPF is growing revenue faster at 9.2% — 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 72/100). 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.
Central Pacific Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Central Pacific Financial Corp. The company is headquartered in Honolulu, Hawaii.
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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