Hartford Financial Services Group (HIG)vsSaratoga Investment Corp (SAR)
HIG
Hartford Financial Services Group
$133.89
+3.78%
FINANCIAL SERVICES · Cap: $35.50B
SAR
Saratoga Investment Corp
$22.54
0.00%
FINANCIAL SERVICES · Cap: $359.52M
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 22802% more annual revenue ($28.79B vs $125.71M). SAR leads profitability with a 29.1% profit margin vs 14.1%. HIG trades at a lower P/E of 9.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
SAR
Buy54
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
Strong operational efficiency at 71.1%
Keeps 29 of every $100 in revenue as profit
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
Revenue declined 0.6%
Negative free cash flow — burning cash
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 : SAR
The strongest argument for SAR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.1% and operating margin at 71.1%.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : SAR
The primary concerns for SAR are Market Cap, Debt/Equity, Revenue Growth. Debt-to-equity of 1.84 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while SAR is a declining play — different risk/reward profiles.
SAR carries more volatility with a beta of 0.59 — expect wider price swings.
HIG is growing revenue faster at 6.1% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 54/100). 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 →Saratoga Investment Corp
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Saratoga Investment Corp (SAR) is a publicly traded business development company that focuses on delivering flexible debt and equity capital to middle-market enterprises across diverse sectors such as healthcare, technology, and consumer products. With a disciplined investment approach, Saratoga emphasizes thorough due diligence and rigorous risk management to protect capital while seeking to maximize shareholder returns. The firm’s proactive portfolio management and consistent track record of dividend distributions position it as an appealing opportunity for institutional investors looking to diversify within the alternative investment landscape.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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