Hartford Financial Services Group (HIG)vsProvident Financial Services Inc (PFS)
HIG
Hartford Financial Services Group
$133.99
-2.26%
FINANCIAL SERVICES · Cap: $34.77B
PFS
Provident Financial Services Inc
$22.96
+0.09%
FINANCIAL SERVICES · Cap: $3.02B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 3208% more annual revenue ($29.59B vs $894.27M). PFS leads profitability with a 35.0% profit margin vs 15.6%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
PFS
Strong Buy67
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 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 52.3%
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
Expensive relative to growth rate
3.8% revenue growth
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. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bull Case : PFS
The strongest argument for PFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.0% and operating margin at 52.3%.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : PFS
The primary concerns for PFS are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
PFS carries more volatility with a beta of 0.82 — expect wider price swings.
HIG is growing revenue faster at 3.9% — sustainability is the question.
HIG generates stronger free cash flow (2.9B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (79/100 vs 67/100), backed by strong 15.6% margins. 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 →Provident Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Services, Inc. is the banking holding company for Provident Bank offering various banking products and services to individuals, families and businesses in the United States. The company is headquartered in Jersey City, New Jersey.
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