Genworth Financial Inc (GNW)vsHartford Financial Services Group (HIG)
GNW
Genworth Financial Inc
$8.70
-2.36%
FINANCIAL SERVICES · Cap: $3.41B
HIG
Hartford Financial Services Group
$133.99
-2.26%
FINANCIAL SERVICES · Cap: $34.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 301% more annual revenue ($29.59B vs $7.38B). HIG leads profitability with a 15.6% profit margin vs 2.9%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
GNW
Buy59
out of 100
Grade: C
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Areas to Watch
0.0% earnings growth
ROE of 2.5% — below average capital efficiency
2.9% margin — thin
Distress zone — elevated risk
3.9% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : GNW
The strongest argument for GNW centers on PEG Ratio, Price/Book. PEG of 0.31 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. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : GNW
The primary concerns for GNW are EPS Growth, Return on Equity, Profit Margin. Thin 2.9% margins leave little buffer for downturns.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
GNW carries more volatility with a beta of 0.88 — expect wider price swings.
GNW is growing revenue faster at 5.3% — sustainability is the question.
HIG generates stronger free cash flow (2.9B), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (79/100 vs 59/100), backed by strong 15.6% margins. 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.
Genworth Financial Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Genworth Financial, Inc. offers insurance products in the United States and internationally. The company is headquartered in Richmond, Virginia.
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 - LIFE Stocks
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