F&G Annuities & Life Inc. (FG)vsHartford Financial Services Group (HIG)
FG
F&G Annuities & Life Inc.
$28.38
-0.84%
FINANCIAL SERVICES · Cap: $3.85B
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 402% more annual revenue ($28.79B vs $5.73B). HIG leads profitability with a 14.1% profit margin vs 4.6%. HIG trades at a lower P/E of 9.6x. HIG earns a higher WallStSmart Score of 77/100 (B+).
FG
Buy53
out of 100
Grade: C-
HIG
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Generating 1.5B in free cash flow
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 23 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Areas to Watch
ROE of 6.0% — below average capital efficiency
4.6% margin — thin
Weak financial health signals
Earnings declined 64.2%
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : FG
The strongest argument for FG centers on Price/Book, P/E Ratio, Free Cash Flow. Revenue growth of 13.2% 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 : FG
The primary concerns for FG are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.6% margins leave little buffer for downturns.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Key Dynamics to Monitor
FG carries more volatility with a beta of 1.34 — expect wider price swings.
FG is growing revenue faster at 13.2% — sustainability is the question.
FG generates stronger free cash flow (1.5B), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (77/100 vs 53/100). 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.
F&G Annuities & Life Inc.
FINANCIAL SERVICES · INSURANCE - LIFE · USA
FGL Holdings sells individual life and annuity insurance products in the United States. The company is headquartered in Des Moines, Iowa.
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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