WallStSmart

Hartford Financial Services Group (HIG)vsVirtu Financial, Inc. (VIRT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 798% more annual revenue ($29.32B vs $3.26B). VIRT leads profitability with a 16.9% profit margin vs 14.9%. HIG trades at a lower P/E of 9.4x. HIG earns a higher WallStSmart Score of 79/100 (B+).

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.0
Piotroski: 6/9Altman Z: 1.23

VIRT

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 8.5Value: 6.7Quality: 4.0
Piotroski: 4/9Altman Z: 0.63

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
9.4x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.2%9/10

Every $100 of equity generates 22 in profit

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

EPS GrowthGrowth
36.1%8/10

Earnings expanding 36.1% YoY

VIRT5 strengths · Avg: 9.2/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
36.7%10/10

Every $100 of equity generates 37 in profit

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
29.1%8/10

Revenue surging 29.1% year-over-year

Areas to Watch

HIG1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.232/10

Distress zone — elevated risk

VIRT3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.413/10

Elevated debt levels

EPS GrowthGrowth
-1.2%2/10

Earnings declined 1.2%

Altman Z-ScoreHealth
0.632/10

Distress zone — elevated risk

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 : VIRT

The strongest argument for VIRT centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 16.9% and operating margin at 36.3%. Revenue growth of 29.1% demonstrates continued momentum.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Bear Case : VIRT

The primary concerns for VIRT are Debt/Equity, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

HIG profiles as a value stock while VIRT is a growth play — different risk/reward profiles.

VIRT carries more volatility with a beta of 0.62 — expect wider price swings.

VIRT is growing revenue faster at 29.1% — 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.

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Virtu Financial, Inc.

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Virtu Financial, Inc., a financial services company, provides data, analytics and connectivity products and execution services to clients around the world. The company is headquartered in New York, New York.

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