WallStSmart

Hartford Financial Services Group (HIG)vsWorld Acceptance Corporation (WRLD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 4823% more annual revenue ($28.79B vs $584.79M). HIG leads profitability with a 14.1% profit margin vs 5.9%. 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: 8.0
Piotroski: 6/9Altman Z: 1.23

WRLD

Buy

60

out of 100

Grade: C

Growth: 3.3Profit: 6.5Value: 6.3Quality: 5.8
Piotroski: 3/9Altman Z: 1.08

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
9.9x10/10

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
2.2x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

WRLD3 strengths · Avg: 8.7/10
Operating MarginProfitability
33.0%10/10

Strong operational efficiency at 33.0%

PEG RatioValuation
0.708/10

Growing faster than its price suggests

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

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

Distress zone — elevated risk

WRLD4 concerns · Avg: 3.3/10
P/E RatioValuation
27.9x4/10

Moderate valuation

Market CapQuality
$891.22M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
5.9%3/10

5.9% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : WRLD

The strongest argument for WRLD centers on Operating Margin, PEG Ratio, Price/Book. PEG of 0.70 suggests the stock is reasonably priced for its growth.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Bear Case : WRLD

The primary concerns for WRLD are P/E Ratio, Market Cap, Profit Margin.

Key Dynamics to Monitor

WRLD carries more volatility with a beta of 1.14 — expect wider price swings.

WRLD is growing revenue faster at 7.3% — sustainability is the question.

HIG generates stronger free cash flow (1.1B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HIG scores higher overall (77/100 vs 60/100). 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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World Acceptance Corporation

FINANCIAL SERVICES · CREDIT SERVICES · USA

World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.

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