Independent research on the U.S. markets, Baptista Research

Baptista Research

Independent research on the U.S. markets

Baptista Research is an independent financial research house focused on the U.S. markets. We provide equity research as well as credit research reports on the top-listed U.S. companies with most of our focus on technology, consumer goods and services, automobiles, industrials, oil and gas, pharma, and healthcare. Our research has served more than 3000 institutional investors including mutual funds, hedge funds, banks, family offices, and various buy-side firms. We operate a research subscription service where institutions, as well as retail investors, can have priority access to all our research. We also have a wide distribution of our research reports across some of the top global financial platforms. Apart from equity research and credit research, we also provide advisory services with respect to mergers & acquisitions (M&A), private equity/ venture capital fundraising, valuation reports, and investment management services for corporates.
Baptista Research is owned and managed by Ishan Majumdar, an ex-Venture Capitalist/ Investment Banker, a Chartered Accountant, and a Masters’ degree holder in Management from HEC Paris. Ishan has nearly a decade of experience in Mergers and Acquisitions, Leveraged Buyouts (LBOs), Venture Capital Investing, Corporate Strategy, and Valuation in front-office roles at the likes of BNP Paribas CIB, Credit Agricole CIB, Groupe Danone, and TIW Private Equity. He has worked on and closed multiple acquisition deals, leveraged buyouts, and start-up investment transactions.

Equity Bottom-Up

Hartford Financial Svcs Grp / Equity Bottom-Up

<ul><li>The Hartford Financial Services Group Inc. recently reported its second-quarter 2025 financial results, demonstrating substantial growth across its various business segments.</li><li>The Hartford posted a core earnings figure of nearly $1 billion, signaling the effectiveness of its ongoing strategic initiatives.</li><li>Key aspects of the results highlight positive developments, but certain areas need ongoing attention.</li></ul>

The Hartford Financial Services Group Inc. recently reported its second-quarter 2025 financial results, demonstrating substantial growth across its various business segments.The Hartford posted a core earnings figure of nearly $1 billion, signaling the effectiveness of its ongoing strategic initiatives.Key aspects of the results highlight positive developments, but certain areas need ongoing attention.

The Hartford’s AI Advantage – Can Technology Deliver a 75% Quote-to-Buy Ratio Across Segments?

<ul><li>The Hartford Financial Services Group reported a strong start to 2025, characterized by solid financial performance despite facing significant challenges such as the January California wildfires.</li><li>The company demonstrated robust growth across its business segments, highlighting its effective risk management and strong underwriting capabilities.</li><li>However, there are also areas that present ongoing challenges and risks that investors should be aware of.</li></ul>

The Hartford Financial Services Group reported a strong start to 2025, characterized by solid financial performance despite facing significant challenges such as the January California wildfires.The company demonstrated robust growth across its business segments, highlighting its effective risk management and strong underwriting capabilities.However, there are also areas that present ongoing challenges and risks that investors should be aware of.

The Hartford Financial Services Group: How Are They Fighting Inflation & Tariffs with Tactical Pricing & Resilient Strategy!

<ul><li>The Hartford Financial Services Group's recent earnings highlighted both commendable achievements and areas of concern for the company.</li><li>The reported outcomes for the fourth quarter and the full year 2024 underscore the company's solid financial performance, propelled by strategic initiatives and a disciplined approach to underwriting and pricing.</li><li>Positive aspects include robust growth across different sectors, with Commercial Lines witnessing a 6% growth in the fourth quarter and 9% for the year.</li></ul>

The Hartford Financial Services Group's recent earnings highlighted both commendable achievements and areas of concern for the company.The reported outcomes for the fourth quarter and the full year 2024 underscore the company's solid financial performance, propelled by strategic initiatives and a disciplined approach to underwriting and pricing.Positive aspects include robust growth across different sectors, with Commercial Lines witnessing a 6% growth in the fourth quarter and 9% for the year.

The Hartford Financial Services Group: An Enhanced Pricing & Risk Management Strategy!

Technical Analyst, Vermilion Research

Joe Jasper

Technical Analyst

Technical and Quantitative Research

Vermilion Research

Vermilion’s objective is to deliver timely, actionable, and unique technical research to professional investors through the application of our various technical indicators.

Our research strategists seek to highlight securities which we believe are at major inflection points, based on our various technical and quantitative indicators, and offer asymmetric risk/return profiles. Our unique research methodology, centered on relative strength, enables our strategists to deliver superior investment recommendations.

Our process begins by organizing the universe of actively traded stocks into discrete sectors, then into industry groups. We then apply our technical and quantitative tools to identify developing price trends. Once attractive trends are identified within a selected sector or group, we screen for individual stocks which we believe offer the best risk/reward profile. We provide a historical perspective that often reveals, through our long-term charts, how price patterns often repeat themselves over time.

Technical Analysis

<ul>
<li>In our 2/25/25 Compass, we discussed our expectation for near-term downside. Also said one or two 8-10% pullbacks in a given year on the SPX is common</li>
<li>And said to not be surprised if there is a test of the bottom of the range at either 5770-5850 or 5600-5670, where we would be buyers</li>
<li>The SPX had a -10.3% peak-to-trough decline, with support showing up at 5500; close enough to our 10% pullback and 5600 level. This has been a stellar buy area</li>
</ul>


In our 2/25/25 Compass, we discussed our expectation for near-term downside. Also said one or two 8-10% pullbacks in a given year on the SPX is common
And said to not be surprised if there is a test of the bottom of the range at either 5770-5850 or 5600-5670, where we would be buyers
The SPX had a -10.3% peak-to-trough decline, with support showing up at 5500; close enough to our 10% pullback and 5600 level. This has been a stellar buy area


Major Low Likely in Place on S&P 500; Bullish Outlook Intact if Above 5500-5600

<ul><li>The Hartford Financial Services Group, Inc., presented its third-quarter 2024 results amidst industry-wide challenges, notably elevated catastrophe losses due to Hurricanes Milton and Helene.</li><li>Despite these adversities, The Hartford demonstrated resilient financial performance across its diversified insurance portfolio, including Commercial Lines, Personal Lines, and Group Benefits.</li><li>A core highlight of the quarter was the robust growth in Commercial Lines, delivering a 9% top-line increase, alongside a formidable underlying combined ratio of 88.6%.</li></ul>

The Hartford Financial Services Group, Inc., presented its third-quarter 2024 results amidst industry-wide challenges, notably elevated catastrophe losses due to Hurricanes Milton and Helene.Despite these adversities, The Hartford demonstrated resilient financial performance across its diversified insurance portfolio, including Commercial Lines, Personal Lines, and Group Benefits.A core highlight of the quarter was the robust growth in Commercial Lines, delivering a 9% top-line increase, alongside a formidable underlying combined ratio of 88.6%.

The Hartford Financial Services Group: These Are The 7 Biggest Factors Impacting Its Performance In 2025 &Beyond! - Major Drivers

United States

The Hartford Financial Services Group, Inc. provides a range of insurance products.  The Company's products include property and casualty insurance, group benefits and mutual funds.  Hartford Financial is based and operates in the U.S.

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Hartford Financial Svcs Grp (HIG US)

The Hartford’s AI Advantage – Can Technology Deliver a 75% Quote-to-Buy Ratio Across Segments?

The Hartford Financial Services Group Inc. recently reported its second-quarter 2025 financial results, demonstrating substantial growth across...

Baptista Research

The Hartford Financial Services Group: How Are They Fighting Inflation & Tariffs with Tactical Pricing & Resilient Strategy!

The Hartford Financial Services Group reported a strong start to 2025, characterized by solid financial performance despite facing significant...

Baptista Research

The Hartford Financial Services Group: An Enhanced Pricing & Risk Management Strategy!

The Hartford Financial Services Group's recent earnings highlighted both commendable achievements and areas of concern for the company. The...

Baptista Research

Major Low Likely in Place on S&P 500; Bullish Outlook Intact if Above 5500-5600

Major Low Likely in Place on $SPX; Bullish Outlook Intact if Above 5500-5600. 5670-5718 is short-term gap support; Power in hands of bulls if...

Vermilion Research

The Hartford Financial Services Group: These Are The 7 Biggest Factors Impacting Its Performance In 2025 &Beyond! - Major Drivers

The Hartford Financial Services Group, Inc., presented its third-quarter 2024 results amidst industry-wide challenges, notably elevated...

Baptista Research

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