WallStSmart

Deutsche Bank AG (DB)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Deutsche Bank AG generates 4% more annual revenue ($29.82B vs $28.79B). DB leads profitability with a 22.7% 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+).

DB

Strong Buy

70

out of 100

Grade: B

Growth: 5.3Profit: 7.0Value: 7.0Quality: 5.0

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

DB5 strengths · Avg: 9.6/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

Market CapQuality
$59.40B9/10

Large-cap with strong market position

Profit MarginProfitability
22.7%9/10

Keeps 23 of every $100 in revenue as profit

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

DB1 concerns · Avg: 2.0/10
EPS GrowthGrowth
-39.8%2/10

Earnings declined 39.8%

HIG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : DB

The strongest argument for DB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.7% and operating margin at 37.3%. PEG of 1.45 suggests the stock is reasonably priced for its growth.

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 : DB

The primary concerns for DB are EPS Growth.

Bear Case : HIG

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

Key Dynamics to Monitor

DB profiles as a mature stock while HIG is a value play — different risk/reward profiles.

DB carries more volatility with a beta of 1.03 — expect wider price swings.

DB is growing revenue faster at 6.4% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HIG scores higher overall (77/100 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.

Deutsche Bank AG

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Deutsche Bank Aktiengesellschaft offers investment, financial and related products and services to individuals, corporate entities and institutional clients worldwide. The company is headquartered in Frankfurt am Main, Germany.

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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