Hartford Financial Services Group (HIG)vsUniversal Insurance Holdings Inc (UVE)
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
UVE
Universal Insurance Holdings Inc
$39.63
+1.15%
FINANCIAL SERVICES · Cap: $1.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1697% more annual revenue ($28.79B vs $1.60B). HIG leads profitability with a 14.1% profit margin vs 12.2%. UVE trades at a lower P/E of 6.0x. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
UVE
Strong Buy66
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 23 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 30.6% YoY
Areas to Watch
No major concerns identified
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 0.3%
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 : UVE
The strongest argument for UVE centers on P/E Ratio, Return on Equity, Debt/Equity.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Bear Case : UVE
The primary concerns for UVE are Altman Z-Score, Market Cap, Revenue Growth.
Key Dynamics to Monitor
HIG profiles as a value stock while UVE is a declining play — different risk/reward profiles.
UVE carries more volatility with a beta of 0.70 — 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 66/100). 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 →Universal Insurance Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Universal Insurance Holdings, Inc., is an integrated insurance holding company in the United States. The company is headquartered in Fort Lauderdale, Florida.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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