Hartford Financial Services Group (HIG)vsSoFi Technologies Inc. (SOFI)
HIG
Hartford Financial Services Group
$132.14
+3.78%
FINANCIAL SERVICES · Cap: $35.53B
SOFI
SoFi Technologies Inc.
$17.15
+3.32%
FINANCIAL SERVICES · Cap: $21.27B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 637% more annual revenue ($28.79B vs $3.91B). SOFI leads profitability with a 14.8% profit margin vs 14.1%. 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+
SOFI
Strong Buy71
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 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Revenue surging 42.5% year-over-year
Earnings expanding 101.2% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Premium valuation, high expectations priced in
ROE of 5.3% — below average capital efficiency
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 : SOFI
The strongest argument for SOFI centers on Revenue Growth, EPS Growth, Debt/Equity. Revenue growth of 42.5% demonstrates continued momentum. PEG of 1.07 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : SOFI
The primary concerns for SOFI are P/E Ratio, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while SOFI is a growth play — different risk/reward profiles.
SOFI carries more volatility with a beta of 2.15 — expect wider price swings.
SOFI is growing revenue faster at 42.5% — 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 71/100). 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 →SoFi Technologies Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
SoFi Technologies, Inc. provides digital financial services. The company is headquartered in San Francisco, California.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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