Hartford Financial Services Group (HIG)vsWillis Towers Watson PLC (WTW)
HIG
Hartford Financial Services Group
$145.68
+1.58%
FINANCIAL SERVICES · Cap: $38.45B
WTW
Willis Towers Watson PLC
$315.93
-0.07%
FINANCIAL SERVICES · Cap: $27.71B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 191% more annual revenue ($28.79B vs $9.90B). WTW leads profitability with a 16.8% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 77/100 (B+).
HIG
Strong Buy77
out of 100
Grade: B+
WTW
Strong Buy74
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
Earnings expanding 41.4% YoY
Every $100 of equity generates 21 in profit
Attractively priced relative to earnings
Strong operational efficiency at 20.5%
Earnings expanding 33.0% YoY
Areas to Watch
Distress zone — elevated risk
Negative free cash flow — burning cash
Distress zone — elevated risk
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 : WTW
The strongest argument for WTW centers on Return on Equity, P/E Ratio, Operating Margin. Profitability is solid with margins at 16.8% and operating margin at 20.5%. PEG of 1.08 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : WTW
The primary concerns for WTW are Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
HIG profiles as a value stock while WTW is a mature play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.47 — expect wider price swings.
WTW is growing revenue faster at 8.5% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (77/100 vs 74/100). 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 →Willis Towers Watson PLC
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Willis Towers Watson PLC (WTW) is a leading global advisory, broking, and solutions firm, dedicated to delivering innovative risk management, insurance, and consulting services across more than 140 countries. With a strong emphasis on advanced data analytics and technology, WTW provides tailored solutions to address critical issues in health, retirement, and talent management for a diverse client base, including multinational corporations and small businesses. The firm’s commitment to driving sustainable growth and enhancing client engagement positions it as a trusted partner in navigating complex market dynamics, further solidifying its status as an industry leader.
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