Profitability
Weight: 25%
A+
96
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 3.2%
- Operating Margin Trend +1.11 pp/yr
HIG
The Hartford Financial Services Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A+
94
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 16.5%
- 5yr Share-Count CAGR -5.2%
Growth Quality
Weight: 10%
A+
98
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 28.3%
- 5yr EPS CAGR 19.1%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
93
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.81x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 22.1%
- Interest Coverage (EBIT/Int) 24.92x
Stability
Weight: 10%
B-
65
- EPS Volatility (σ/μ) 0.50
- Piotroski F-Score 8
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 1 new buy; 1 added; 2 trimmed.
- Holders
- 4 +1
- Avg Δ position
- -48.2%
- New buys
- 1
- Full exits
- 0