Hartford Financial Services Group (HIG)vsWestern Union Co (WU)
HIG
Hartford Financial Services Group
$134.92
-0.44%
FINANCIAL SERVICES · Cap: $34.77B
WU
Western Union Co
$6.25
-0.64%
FINANCIAL SERVICES · Cap: $1.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 633% more annual revenue ($29.59B vs $4.04B). HIG leads profitability with a 15.6% profit margin vs 9.8%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
WU
Buy51
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
Strong operational efficiency at 22.6%
Attractively priced relative to earnings
Every $100 of equity generates 48 in profit
Reasonable price relative to book value
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Revenue declined 1.3%
Comparative Analysis Report
WallStSmart ResearchBull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bull Case : WU
The strongest argument for WU centers on P/E Ratio, Return on Equity, Price/Book.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : WU
The primary concerns for WU are Market Cap, Piotroski F-Score, PEG Ratio. Debt-to-equity of 2.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
WU carries more volatility with a beta of 0.55 — expect wider price swings.
HIG is growing revenue faster at 3.9% — 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 (79/100 vs 51/100), backed by strong 15.6% margins. 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 →Western Union Co
FINANCIAL SERVICES · CREDIT SERVICES · USA
The Western Union Company is an American worldwide financial services and communications company, headquartered in Denver, Colorado.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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