Hartford Financial Services Group (HIG)vsNu Holdings Ltd (NU)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
NU
Nu Holdings Ltd
$11.62
-1.24%
FINANCIAL SERVICES · Cap: $57.85B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 279% more annual revenue ($28.79B vs $7.59B). NU leads profitability with a 41.9% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. NU earns a higher WallStSmart Score of 84/100 (A-).
HIG
Strong Buy79
out of 100
Grade: B+
NU
Exceptional Buy84
out of 100
Grade: A-
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
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 48.2%
Revenue surging 43.7% year-over-year
Earnings expanding 55.9% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Areas to Watch
Distress zone — elevated risk
Weak financial health signals
Negative free cash flow — burning cash
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 : NU
The strongest argument for NU centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 41.9% and operating margin at 48.2%. Revenue growth of 43.7% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : NU
The primary concerns for NU are Piotroski F-Score, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while NU is a growth play — different risk/reward profiles.
NU carries more volatility with a beta of 0.95 — expect wider price swings.
NU is growing revenue faster at 43.7% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
NU scores higher overall (84/100 vs 79/100), backed by strong 41.9% margins and 43.7% revenue growth. Both earn "Exceptional 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 →Nu Holdings Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nu Holdings Ltd. operates in the technology industry. The company is headquartered in Grand Cayman, Cayman Islands.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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