Central Pacific Financial Corp (CPF)vsHartford Financial Services Group (HIG)
CPF
Central Pacific Financial Corp
$37.64
+0.78%
FINANCIAL SERVICES · Cap: $974.02M
HIG
Hartford Financial Services Group
$131.89
-0.94%
FINANCIAL SERVICES · Cap: $36.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 10072% more annual revenue ($29.32B vs $288.19M). CPF leads profitability with a 28.8% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
CPF
Strong Buy70
out of 100
Grade: B-
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 36.8%
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
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 36.1% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CPF
The strongest argument for CPF centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 28.8% and operating margin at 36.8%.
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, Altman Z-Score.
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 0.83 — expect wider price swings.
HIG is growing revenue faster at 8.1% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 70/100). 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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