Profitability
Weight: 25%
B
71
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 63.4%
- Loss Ratio Trend -5.55 pp/yr
HIG
The Hartford Insurance Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A
89
- 5yr Avg ROE 16.4%
- 5yr Share-Count CAGR -4.5%
Growth Quality
Weight: 10%
A-
82
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 6.0%
- Loss Ratio Trend (growth quality check) -5.55 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
C-
46
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development -0.7%
- Loss Ratio Stability (σ) 0.26
Balance Sheet
Weight: 25%
A+
97
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.27x
- Interest Coverage (EBIT/Int) 24.92x
Stability
Weight: 10%
B-
69
- EPS Volatility (σ/μ) 0.50
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 9
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 2 added; 2 trimmed.
- Holders
- 4
- Avg Δ position
- -15.3%
- New buys
- 0
- Full exits
- 0