Hartford Financial Services Group (HIG)vs360 Finance Inc (QFIN)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
QFIN
360 Finance Inc
$14.53
-4.97%
FINANCIAL SERVICES · Cap: $1.87B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 56% more annual revenue ($28.79B vs $18.42B). QFIN leads profitability with a 27.5% profit margin vs 14.1%. QFIN trades at a lower P/E of 2.7x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
QFIN
Buy62
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 41.4% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Every $100 of equity generates 21 in profit
Keeps 28 of every $100 in revenue as profit
Strong operational efficiency at 27.5%
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 16.7%
Earnings declined 43.3%
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 : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Debt/Equity. Profitability is solid with margins at 27.5% and operating margin at 27.5%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
HIG profiles as a value stock while QFIN is a declining play — different risk/reward profiles.
QFIN carries more volatility with a beta of 0.57 — expect wider price swings.
HIG is growing revenue faster at 6.1% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (79/100 vs 62/100). 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 →360 Finance Inc
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?