Hartford Financial Services Group (HIG)vsOFG Bancorp (OFG)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
OFG
OFG Bancorp
$46.27
+0.67%
FINANCIAL SERVICES · Cap: $2.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 4437% more annual revenue ($28.79B vs $634.53M). OFG leads profitability with a 33.6% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. OFG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
OFG
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 41.4% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.8%
Growing faster than its price suggests
Earnings expanding 26.0% YoY
Areas to Watch
Distress zone — elevated risk
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 : OFG
The strongest argument for OFG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.6% and operating margin at 43.8%. PEG of 0.92 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : OFG
The primary concerns for OFG are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while OFG is a mature play — different risk/reward profiles.
OFG carries more volatility with a beta of 0.73 — expect wider price swings.
OFG is growing revenue faster at 6.9% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), 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 →OFG Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OFG Bancorp, a financial holding company, offers a range of banking and financial services. The company is headquartered in San Juan, Puerto Rico.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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