Value
8.4/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 9.1 |
| P/S | 9.5 |
| EV/EBITDA | 7.9 |
| Fwd P/E | 9.4 |
| PEG | 10.0 |
| Analyst target | 5.0 |
- ▸Forward P/E: 9.3x
- ▸PEG: 0.22
- ▸Attractively valued
HIG · Why this verdict
Why The Hartford Insurance Group, I (HIG) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score6.6/10
ConfidenceHIGH
MacroRISK_OFF
Per-dimension breakdown
Quality
6.7/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 7.6 |
| ROA | 2.6 |
| Gross margin | 3.6 |
| Op margin | 6.1 |
| Net margin | 7.1 |
| Current ratio | 6.4 |
| FCF quality | 9.6 |
| Moat | 7.6 |
| Piotroski F | 10.0 |
- ▸Excellent cash conversion: 138% FCF/NI
- ▸Wide economic moat
- ▸Compounder quality: strong returns + growth
- ▸Strong Piotroski F-Score: 9/9
Growth
7.0/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 4.0 |
| EPS growth | 10.0 |
Momentum
3.4/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 3.5 |
| MACD | 1.4 |
| OBV | 10.0 |
| MA position | 2.2 |
| Volume | 0.0 |
- ▸Volume accumulation (rising OBV)
- ▸Below 200-MA but MA still rising (+1.0%/30d) — pullback in uptrend, not confirmed weakness
Sentiment
6.7/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 5.4 |
| Analyst rating | 7.5 |
| Price target | 7.1 |
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.1 |
- ▸Insider selling (low materiality) — $6,819,518 (0.019% of mkt cap)
Peer rank
6.4/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 6.1 |
| quality rank | 6.3 |
| growth rank | 8.3 |
- ▸Superior ROE vs peers
- ▸Industry growth leader
Technical
6.8/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 6.5 |
| support resistance | 6.5 |
| 52w position | 8.1 |
| gap | 6.0 |
Risk (lower is worse)
8.6/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 10.0 |
| days to cover | 10.0 |
| volatility | 7.0 |
| put call | 9.3 |
| implied vol | 6.1 |
| max pain risk | 7.0 |
| beta | 10.0 |
| debt equity | 9.1 |
Catalyst
6.5/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 6.7 |
| earnings timing | 5.0 |
| surprise avg | 8.9 |
| dividend safety | 5.2 |
| news activity | 8.0 |
- ▸Strong earnings: 3B/1M
- ▸Dividend: 182.0%
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (5)
- INSIDER:OK
- 8K:CLEAN
- EARNINGS_PROXIMITY:52d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (2)
- MOMENTUM:3.4<4.5
- ASYMMETRY:0.6<1.5@spot
Warning (0)
none
Reward-to-Risk
0.63
Upside
+3.1%
Downside
5.0%
Sizing output
AVOID
SetupUNKNOWN — No clear chart pattern; technical signals are mixed
EdgeNO_EDGE — No clear edge identified
SuitabilityMODERATE — Balanced profile
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: INSIDER:OK. Top dim: Risk (lower is worse) at 8.6; weakest: Momentum at 3.4. No conviction either direction.
The strongest dimensions are Risk (lower is worse) at 8.6, Value at 8.4, and Growth at 7.0; the weakest are Momentum at 3.4, Insider at 5.0, and Peer rank at 6.4. The V9 engine flagged 2 failed gates, producing an asymmetric reward-to-risk of 0.63 and an engine sizing output of AVOID.