Hartford Financial Services Group (HIG)vsMerchants Bancorp (MBIN)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
MBIN
Merchants Bancorp
$53.15
+0.32%
FINANCIAL SERVICES · Cap: $2.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 4536% more annual revenue ($29.32B vs $632.34M). MBIN leads profitability with a 42.5% profit margin vs 14.9%. HIG trades at a lower P/E of 9.4x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
MBIN
Strong Buy75
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 61.1%
Revenue surging 37.1% year-over-year
Earnings expanding 146.7% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
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 : MBIN
The strongest argument for MBIN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 42.5% and operating margin at 61.1%. Revenue growth of 37.1% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : MBIN
The primary concerns for MBIN are Debt/Equity, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 1.79 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while MBIN is a growth play — different risk/reward profiles.
MBIN carries more volatility with a beta of 1.16 — expect wider price swings.
MBIN is growing revenue faster at 37.1% — 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 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.
Visit Website →Merchants Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Merchants Bancorp is the diversified bank holding company in the United States. The company is headquartered in Carmel, Indiana.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?