Hartford Financial Services Group (HIG)vsOportun Financial Corp (OPRT)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
OPRT
Oportun Financial Corp
$7.87
+2.74%
FINANCIAL SERVICES · Cap: $361.92M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 3840% more annual revenue ($29.32B vs $743.95M). HIG leads profitability with a 14.9% profit margin vs 2.6%. 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+
OPRT
Buy55
out of 100
Grade: C
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
Reasonable price relative to book value
Earnings expanding 21.4% YoY
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
2.6% margin — thin
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 : OPRT
The strongest argument for OPRT centers on Price/Book, EPS Growth.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : OPRT
The primary concerns for OPRT are Market Cap, Return on Equity, Profit Margin. Debt-to-equity of 6.54 is elevated, increasing financial risk. Thin 2.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
OPRT carries more volatility with a beta of 1.25 — expect wider price swings.
OPRT is growing revenue faster at 9.4% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (79/100 vs 55/100). Both earn "Strong Buy" and "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 →Oportun Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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