Hartford Financial Services Group (HIG)vsUpstart Holdings Inc (UPST)
HIG
Hartford Financial Services Group
$136.36
-0.32%
FINANCIAL SERVICES · Cap: $36.75B
UPST
Upstart Holdings Inc
$25.59
+1.95%
FINANCIAL SERVICES · Cap: $2.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 2180% more annual revenue ($29.32B vs $1.29B). HIG leads profitability with a 14.9% profit margin vs 4.7%. HIG trades at a lower P/E of 9.4x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
UPST
Buy53
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
Revenue surging 42.3% year-over-year
Earnings expanding 211.2% YoY
Areas to Watch
Distress zone — elevated risk
ROE of 6.7% — below average capital efficiency
4.7% margin — thin
Premium valuation, high expectations priced in
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 : UPST
The strongest argument for UPST centers on Revenue Growth, EPS Growth. Revenue growth of 42.3% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : UPST
The primary concerns for UPST are Return on Equity, Profit Margin, P/E Ratio. A P/E of 51.8x leaves little room for execution misses. Debt-to-equity of 2.54 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while UPST is a hypergrowth play — different risk/reward profiles.
UPST carries more volatility with a beta of 2.17 — expect wider price swings.
UPST is growing revenue faster at 42.3% — 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 53/100). 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 →Upstart Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.
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