Hartford Financial Services Group (HIG)vsKinsale Capital Group Inc (KNSL)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
KNSL
Kinsale Capital Group Inc
$360.01
-0.74%
FINANCIAL SERVICES · Cap: $8.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1369% more annual revenue ($29.32B vs $2.00B). KNSL leads profitability with a 28.5% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
KNSL
Strong Buy77
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 36.1% YoY
Strong operational efficiency at 40.7%
Every $100 of equity generates 27 in profit
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
16.8% revenue growth
Areas to Watch
Distress zone — elevated risk
Distress zone — elevated risk
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 : KNSL
The strongest argument for KNSL centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 28.5% and operating margin at 40.7%. Revenue growth of 16.8% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : KNSL
The primary concerns for KNSL are Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while KNSL is a growth play — different risk/reward profiles.
KNSL carries more volatility with a beta of 0.89 — expect wider price swings.
KNSL is growing revenue faster at 16.8% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 77/100). 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 →Kinsale Capital Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Kinsale Capital Group, Inc., a specialty insurance company, offers property and casualty insurance products in the United States. The company is headquartered in Richmond, Virginia.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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