Hartford Financial Services Group (HIG)vsJefferson Capital, Inc. Common Stock (JCAP)
HIG
Hartford Financial Services Group
$145.68
+1.58%
FINANCIAL SERVICES · Cap: $38.45B
JCAP
Jefferson Capital, Inc. Common Stock
$20.36
-0.83%
FINANCIAL SERVICES · Cap: $1.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 4504% more annual revenue ($28.79B vs $625.35M). JCAP leads profitability with a 25.8% profit margin vs 14.1%. JCAP trades at a lower P/E of 3.7x. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
JCAP
Strong Buy67
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 22 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 36 in profit
Strong operational efficiency at 47.3%
Keeps 26 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
0.0% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
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 : JCAP
The strongest argument for JCAP centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 25.8% and operating margin at 47.3%. Revenue growth of 11.9% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : JCAP
The primary concerns for JCAP are EPS Growth, Market Cap, Altman Z-Score. Debt-to-equity of 3.25 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while JCAP is a mature play — different risk/reward profiles.
JCAP is growing revenue faster at 11.9% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (77/100 vs 67/100). 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 →Jefferson Capital, Inc. Common Stock
FINANCIAL SERVICES · CREDIT SERVICES · USA
Jernigan Capital is a real estate investment trust listed on the New York Stock Exchange (NYSE: JCAP) that provides debt and equity capital to private developers, owners and operators of storage facilities with a view to eventual freehold ownership of the facilities financed by the Company.
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