Hartford Financial Services Group (HIG)vsTFS Financial Corporation (TFSL)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
TFSL
TFS Financial Corporation
$17.01
-0.41%
FINANCIAL SERVICES · Cap: $4.78B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 8343% more annual revenue ($29.32B vs $347.23M). TFSL leads profitability with a 29.4% profit margin vs 14.9%. 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+
TFSL
Buy64
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 36.1% YoY
Strong operational efficiency at 45.4%
Keeps 29 of every $100 in revenue as profit
Reasonable price relative to book value
15.2% revenue growth
Earnings expanding 42.5% YoY
Areas to Watch
Distress zone — elevated risk
ROE of 4.8% — below average capital efficiency
Expensive relative to growth rate
Premium valuation, high expectations priced in
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 : TFSL
The strongest argument for TFSL centers on Operating Margin, Profit Margin, Price/Book. Profitability is solid with margins at 29.4% and operating margin at 45.4%. Revenue growth of 15.2% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : TFSL
The primary concerns for TFSL are Return on Equity, PEG Ratio, P/E Ratio. A P/E of 47.3x leaves little room for execution misses. Debt-to-equity of 2.97 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while TFSL is a growth play — different risk/reward profiles.
TFSL carries more volatility with a beta of 0.73 — expect wider price swings.
TFSL is growing revenue faster at 15.2% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 64/100). 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 →TFS Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TFS Financial Corporation, provides retail banking services for consumers in the United States.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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