Hartford Financial Services Group (HIG)vsUBS Group AG (UBS)
HIG
Hartford Financial Services Group
$135.52
+2.21%
FINANCIAL SERVICES · Cap: $34.77B
UBS
UBS Group AG
$48.48
+1.66%
FINANCIAL SERVICES · Cap: $144.51B
Smart Verdict
WallStSmart Research — data-driven comparison
UBS Group AG generates 81% more annual revenue ($53.52B vs $29.59B). UBS leads profitability with a 18.2% profit margin vs 15.6%. 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+
UBS
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
Strong operational efficiency at 22.6%
Large-cap with strong market position
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 27.1%
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bull Case : UBS
The strongest argument for UBS centers on Market Cap, PEG Ratio, P/E Ratio. Profitability is solid with margins at 18.2% and operating margin at 27.1%. PEG of 0.66 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : UBS
The primary concerns for UBS are Altman Z-Score, Debt/Equity. Debt-to-equity of 4.21 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while UBS is a mature play — different risk/reward profiles.
UBS carries more volatility with a beta of 0.85 — expect wider price swings.
UBS is growing revenue faster at 5.7% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (79/100 vs 71/100), backed by strong 15.6% margins. 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 →UBS Group AG
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
UBS Group AG, provides advice and financial solutions to private, institutional and corporate clients worldwide. The company is headquartered in Zurich, Switzerland.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?