Fidelis Insurance Holdings Limited (FIHL)vsHartford Financial Services Group (HIG)
FIHL
Fidelis Insurance Holdings Limited
$19.11
+0.47%
FINANCIAL SERVICES · Cap: $1.65B
HIG
Hartford Financial Services Group
$134.10
-0.97%
FINANCIAL SERVICES · Cap: $37.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1035% more annual revenue ($28.38B vs $2.50B). HIG leads profitability with a 13.5% profit margin vs 9.0%. FIHL trades at a lower P/E of 9.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
FIHL
Buy61
out of 100
Grade: C+
HIG
Strong Buy79
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.0%
Fair Value
$98.75
Current Price
$19.11
$79.64 discount
Margin of Safety
+77.2%
Fair Value
$623.84
Current Price
$134.10
$489.74 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.8%
Earnings expanding 41.1% 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
Strong operational efficiency at 20.0%
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 10.8%
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : FIHL
The strongest argument for FIHL centers on P/E Ratio, Price/Book, Operating Margin.
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 : FIHL
The primary concerns for FIHL are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Key Dynamics to Monitor
HIG carries more volatility with a beta of 0.52 — expect wider price swings.
HIG is growing revenue faster at 6.7% — sustainability is the question.
HIG generates stronger free cash flow (1.8B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (79/100 vs 61/100). FIHL offers better value entry with a 80.0% margin of safety. 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.
Fidelis Insurance Holdings Limited
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Fidelis Insurance Holdings Limited, provides insurance and reinsurance products in Bermuda, Ireland, and the United Kingdom. The company is headquartered in Pembroke, Bermuda.
Visit Website →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.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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