Hartford Financial Services Group (HIG)vsNu Holdings Ltd (NU)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
NU
Nu Holdings Ltd
$14.62
-2.66%
FINANCIAL SERVICES · Cap: $74.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 247% more annual revenue ($29.32B vs $8.44B). NU leads profitability with a 42.7% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. NU earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
NU
Strong Buy79
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
Keeps 43 of every $100 in revenue as profit
Strong operational efficiency at 50.1%
Revenue surging 52.1% year-over-year
Earnings expanding 66.3% YoY
Large-cap with strong market position
Every $100 of equity generates 27 in profit
Areas to Watch
Distress zone — elevated risk
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 42.7% and operating margin at 50.1%. Revenue growth of 52.1% 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. Debt-to-equity of 3.17 is elevated, increasing financial risk.
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 0.94 — expect wider price swings.
NU is growing revenue faster at 52.1% — 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 79/100). 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 →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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