Hartford Financial Services Group (HIG)vsMBIA Inc (MBI)
HIG
Hartford Financial Services Group
$133.99
-2.26%
FINANCIAL SERVICES · Cap: $34.77B
MBI
MBIA Inc
$4.62
+3.59%
FINANCIAL SERVICES · Cap: $227.53M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 33520% more annual revenue ($29.59B vs $88.00M). HIG leads profitability with a 15.6% profit margin vs -164.8%. 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+
MBI
Hold38
out of 100
Grade: F
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 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Conservative balance sheet, low leverage
Strong operational efficiency at 22.2%
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
Expensive relative to growth rate
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bull Case : MBI
The strongest argument for MBI centers on Debt/Equity, Operating Margin.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : MBI
The primary concerns for MBI are PEG Ratio, EPS Growth, Market Cap.
Key Dynamics to Monitor
HIG profiles as a value stock while MBI is a turnaround play — different risk/reward profiles.
MBI carries more volatility with a beta of 1.46 — expect wider price swings.
HIG is growing revenue faster at 3.9% — sustainability is the question.
HIG generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 38/100), backed by strong 15.6% margins. Both earn "Strong Buy" and "Hold" 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 →MBIA Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MBIA Inc. provides financial insurance services to the public financial markets. The company is headquartered in Purchase, New York.
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