Hartford Financial Services Group (HIG)vsING Group NV ADR (ING)
HIG
Hartford Financial Services Group
$136.64
-1.55%
FINANCIAL SERVICES · Cap: $37.46B
ING
ING Group NV ADR
$28.93
+4.63%
FINANCIAL SERVICES · Cap: $83.10B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 18% more annual revenue ($28.79B vs $24.46B). ING leads profitability with a 34.0% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. ING earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
ING
Strong Buy79
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
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 62.8%
Revenue surging 118.2% year-over-year
Earnings expanding 3978.0% YoY
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Weak financial health signals
Negative free cash flow — burning cash
Elevated debt levels
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 : ING
The strongest argument for ING centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.0% and operating margin at 62.8%. Revenue growth of 118.2% demonstrates continued momentum.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : ING
The primary concerns for ING are PEG Ratio, Piotroski F-Score, Free Cash Flow. Debt-to-equity of 3.41 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while ING is a growth play — different risk/reward profiles.
ING carries more volatility with a beta of 0.87 — expect wider price swings.
ING is growing revenue faster at 118.2% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
ING scores higher overall (79/100 vs 77/100), backed by strong 34.0% margins and 118.2% revenue growth. 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 →ING Group NV ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
ING Groep NV, a financial institution, offers various banking products and services to individuals, small and medium-sized businesses and medium-sized businesses. The company is headquartered in Amsterdam, the Netherlands.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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