Hartford Financial Services Group (HIG)vsHeritage Insurance Hldgs Inc (HRTG)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
HRTG
Heritage Insurance Hldgs Inc
$29.32
-0.37%
FINANCIAL SERVICES · Cap: $918.55M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 3298% more annual revenue ($28.79B vs $847.33M). HRTG leads profitability with a 23.1% profit margin vs 14.1%. HRTG trades at a lower P/E of 4.7x. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
HRTG
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Every $100 of equity generates 49 in profit
Strong operational efficiency at 41.6%
Earnings expanding 226.0% YoY
Keeps 23 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
No major concerns identified
2.4% revenue growth
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 23.1% and operating margin at 41.6%.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, Market Cap.
Key Dynamics to Monitor
HRTG carries more volatility with a beta of 0.95 — expect wider price swings.
HIG is growing revenue faster at 6.1% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (77/100 vs 72/100). 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.
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 →Heritage Insurance Hldgs Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida.
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