Hartford Financial Services Group (HIG)vsXp Inc (XP)
HIG
Hartford Financial Services Group
$128.73
-1.53%
FINANCIAL SERVICES · Cap: $35.73B
XP
Xp Inc
$21.21
+2.07%
FINANCIAL SERVICES · Cap: $10.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 57% more annual revenue ($29.32B vs $18.63B). XP leads profitability with a 28.5% profit margin vs 14.9%. HIG trades at a lower P/E of 9.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
XP
Strong Buy73
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 36.1% YoY
Attractively priced relative to earnings
Strong operational efficiency at 31.2%
Generating 11.1B in free cash flow
Every $100 of equity generates 21 in profit
Keeps 29 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
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 : XP
The strongest argument for XP centers on P/E Ratio, Operating Margin, Free Cash Flow. Profitability is solid with margins at 28.5% and operating margin at 31.2%. Revenue growth of 10.6% demonstrates continued momentum.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : XP
The primary concerns for XP are Piotroski F-Score, Debt/Equity. Debt-to-equity of 3.74 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIG profiles as a value stock while XP is a mature play — different risk/reward profiles.
XP carries more volatility with a beta of 1.10 — expect wider price swings.
XP is growing revenue faster at 10.6% — sustainability is the question.
XP generates stronger free cash flow (11.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 73/100). 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 →Xp Inc
FINANCIAL SERVICES · CAPITAL MARKETS · USA
XP Inc. offers financial products and services in Brazil. The company is headquartered in So Paulo, Brazil.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?