WallStSmart

Hartford Financial Services Group (HIG)vsKeyCorp (KEY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 300% more annual revenue ($28.79B vs $7.20B). KEY leads profitability with a 27.0% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

KEY

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.7Quality: 4.3
Piotroski: 6/9Altman Z: 0.06

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HIG6 strengths · Avg: 9.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
9.3x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

KEY5 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
35.8%10/10

Strong operational efficiency at 35.8%

Profit MarginProfitability
27.0%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
30.3%8/10

Earnings expanding 30.3% YoY

Areas to Watch

HIG0 concerns · Avg: 0/10

No major concerns identified

KEY3 concerns · Avg: 2.7/10
PEG RatioValuation
2.114/10

Expensive relative to growth rate

Free Cash FlowQuality
$-74.00M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.062/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : KEY

The strongest argument for KEY centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.0% and operating margin at 35.8%. Revenue growth of 11.8% demonstrates continued momentum.

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Bear Case : KEY

The primary concerns for KEY are PEG Ratio, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

HIG profiles as a value stock while KEY is a mature play — different risk/reward profiles.

KEY carries more volatility with a beta of 1.05 — expect wider price swings.

KEY is growing revenue faster at 11.8% — sustainability is the question.

HIG generates stronger free cash flow (1.0B), providing more financial flexibility.

Bottom Line

HIG scores higher overall (79/100 vs 75/100). 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.

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KeyCorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

KeyBank, the primary subsidiary of KeyCorp, is a regional bank headquartered in Cleveland.

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