Hartford Financial Services Group (HIG)vsProAssurance Corporation (PRA)
HIG
Hartford Financial Services Group
$135.52
+2.21%
FINANCIAL SERVICES · Cap: $34.77B
PRA
ProAssurance Corporation
$25.00
0.00%
FINANCIAL SERVICES · Cap: $1.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 2601% more annual revenue ($29.59B vs $1.10B). HIG leads profitability with a 15.6% profit margin vs 6.0%. 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+
PRA
Buy63
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
Strong operational efficiency at 22.6%
Reasonable price relative to book value
Earnings expanding 105.2% YoY
Growing faster than its price suggests
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 4.9% — below average capital efficiency
6.0% margin — thin
Revenue declined 4.9%
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 : PRA
The strongest argument for PRA centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.78 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : PRA
The primary concerns for PRA are Market Cap, Return on Equity, Profit Margin.
Key Dynamics to Monitor
HIG carries more volatility with a beta of 0.49 — expect wider price swings.
HIG is growing revenue faster at 3.9% — 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 63/100), backed by strong 15.6% margins. 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 →ProAssurance Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
ProAssurance Corporation, offers property and casualty insurance and reinsurance products in the United States. The company is headquartered in Birmingham, Alabama.
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