Hartford Financial Services Group (HIG)vsOFG Bancorp (OFG)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
OFG
OFG Bancorp
$52.66
+0.19%
FINANCIAL SERVICES · Cap: $2.22B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 4402% more annual revenue ($29.32B vs $651.16M). OFG leads profitability with a 33.9% profit margin vs 14.9%. HIG appears more attractively valued with a PEG of 0.12. OFG earns a higher WallStSmart Score of 81/100 (A-).
HIG
Strong Buy79
out of 100
Grade: B+
OFG
Exceptional Buy81
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 36.1% YoY
Attractively priced relative to earnings
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.3%
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 20.9% 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, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.3%. Revenue growth of 10.4% demonstrates continued momentum.
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 0.70 — expect wider price swings.
OFG is growing revenue faster at 10.4% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
OFG scores higher overall (81/100 vs 79/100), backed by strong 33.9% margins and 10.4% 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 →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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