COMP <GO>
HIG vs BAC // FREE CASH FLOW YIELD
The Hartford Insurance Group Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: HIG 11
— BAC 2
▲ FREE CASH FLOW YIELD LEADER: HIG
LAST: $132.59 (+0.40%) • MKT CAP: $35.31B
fcf-yield
16.29%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
fcf-yield
2.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HIG VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HIG | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 28.40% | 2.50% | +25.90 | HIG | /roic <GO> |
| EV/EBITDA & P/E Valuation | 6.1x | 30.2x | -24.10 | HIG | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 16.29% | 2.10% | +14.19 | HIG | /fcf-yield <GO> |
| Operating Margin | 75.00% | 32.90% | +42.10 | HIG | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 27.00% | +41.00 | HIG | /net-margins <GO> |
| Revenue Growth (YoY) | 3.30% | 6.80% | -3.50 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.68% | 0.00% | +1.68 | HIG | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.07 | 0.45 | +0.62 | HIG | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | HIG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 6.60% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 49.8 | 27.7 | +22.14 | HIG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.92 | 0.90 | +0.02 | HIG | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.6x | 10.9x | -2.30 | HIG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $35.31B | $357.61B | -$322.29B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HIG REV | BAC REV | HIG GROSS % | BAC GROSS % | HIG FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.51B | $113.10B | 44.0% | 44.0% | $5.75B | $7.52B |
| FY 2024 | $1.46B | $105.86B | 44.0% | 44.0% | $5.76B | -$13.57B |
| FY 2023 | $1.38B | $102.77B | 44.0% | 44.0% | $4.16B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HIG // BETA 0.92
BAC // BETA 0.90