WallStSmart

Hartford Financial Services Group (HIG)vsT. Rowe Price Group Inc (TROW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 294% more annual revenue ($28.79B vs $7.31B). TROW leads profitability with a 28.5% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).

HIG

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.3
Piotroski: 6/9

TROW

Buy

64

out of 100

Grade: C+

Growth: 4.7Profit: 9.0Value: 5.7Quality: 4.8
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HIG6 strengths · Avg: 9.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.7%9/10

Every $100 of equity generates 23 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

TROW4 strengths · Avg: 9.3/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Operating MarginProfitability
32.2%10/10

Strong operational efficiency at 32.2%

Profit MarginProfitability
28.5%9/10

Keeps 29 of every $100 in revenue as profit

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

HIG0 concerns · Avg: 0/10

No major concerns identified

TROW4 concerns · Avg: 2.8/10
EPS GrowthGrowth
3.6%4/10

3.6% earnings growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
12.502/10

Expensive relative to growth rate

Free Cash FlowQuality
$-85.40M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : TROW

The strongest argument for TROW centers on P/E Ratio, Operating Margin, Profit Margin. Profitability is solid with margins at 28.5% and operating margin at 32.2%.

Bear Case : HIG

No major red flags identified for HIG, but monitor valuation.

Bear Case : TROW

The primary concerns for TROW are EPS Growth, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

HIG profiles as a value stock while TROW is a mature play — different risk/reward profiles.

TROW carries more volatility with a beta of 1.52 — 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 (77/100 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.

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T. Rowe Price Group Inc

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

T. Rowe Price Group, Inc. is an American publicly owned global investment management firm that offers funds, advisory services, account management, and retirement plans and services for individuals, institutions, and financial intermediaries.

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