COMP <GO>
HIG vs MS // ALTMAN Z-SCORE & DEBT/EQUITY
The Hartford Insurance Group Inc. (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: HIG 10
— MS 4
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: HIG
LAST: $132.59 (+0.40%) • MKT CAP: $35.31B
balance-sheet
1.07
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
balance-sheet
0.46
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HIG VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HIG | MS | 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% | 3.00% | +25.40 | HIG | /roic <GO> |
| EV/EBITDA & P/E Valuation | 6.1x | 31.0x | -24.90 | HIG | /valuation <GO> |
| Free Cash Flow Yield | 16.29% | -7.25% | +23.54 | HIG | /fcf-yield <GO> |
| Operating Margin | 75.00% | 24.60% | +50.40 | HIG | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | HIG | /net-margins <GO> |
| Revenue Growth (YoY) | 3.30% | 5.50% | -2.20 | MS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.68% | 2.21% | -0.53 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 1.07 | 0.46 | +0.61 | HIG | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 5/9 | +3.00 | HIG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 7.00% | -0.40 | HIG | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 49.8 | 43.3 | +6.52 | HIG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.92 | 1.04 | -0.12 | MS | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.6x | 16.5x | -7.90 | HIG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $35.31B | $298.41B | -$263.09B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HIG REV | MS REV | HIG GROSS % | MS GROSS % | HIG FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.51B | $0 | 44.0% | — | $5.75B | -$17.89B |
| FY 2024 | $1.46B | $0 | 44.0% | — | $5.76B | $1.36B |
| FY 2023 | $1.38B | $0 | 44.0% | — | $4.16B | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HIG // BETA 0.92
MS // BETA 1.04