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 Insurance Group reported solid financial results for the fourth quarter and full year of 2025, demonstrating a continuation of profitable growth across its segments amidst a dynamic insurance marketplace.</li><li>The company delivered core earnings of $3.8 billion and an impressive core earnings return on equity (ROE) of 19.4% for the year.</li><li>Business Insurance experienced robust top-line growth of 8%, supported by strong premium increases across Small Business, Middle & Large, and Global Specialty units.</li></ul>

The Hartford Insurance Group reported solid financial results for the fourth quarter and full year of 2025, demonstrating a continuation of profitable growth across its segments amidst a dynamic insurance marketplace.The company delivered core earnings of $3.8 billion and an impressive core earnings return on equity (ROE) of 19.4% for the year.Business Insurance experienced robust top-line growth of 8%, supported by strong premium increases across Small Business, Middle & Large, and Global Specialty units.

Hartford Insurance Is Quietly Dominating Small Business Insurance With A Powerful Broker Strategy!

<ul><li>The Hartford Financial Services Group, Inc. reported robust results for the third quarter of 2025, demonstrating strong financial performance and strategic execution.</li><li>The company's core earnings reached a record $1.1 billion, or $3.78 per diluted share, boosted by increased premiums and improved underwriting margins.</li><li>The trailing 12-month core earnings return on equity (ROE) was an impressive 18.4%, indicating effective capital allocation and strong market positioning.</li></ul>

The Hartford Financial Services Group, Inc. reported robust results for the third quarter of 2025, demonstrating strong financial performance and strategic execution.The company's core earnings reached a record $1.1 billion, or $3.78 per diluted share, boosted by increased premiums and improved underwriting margins.The trailing 12-month core earnings return on equity (ROE) was an impressive 18.4%, indicating effective capital allocation and strong market positioning.

Hartford Insurance Group: Mid & Large Is Ripping Higher—What’s Fueling This Breakout Quarter?

<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!

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

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)

Hartford Insurance Is Quietly Dominating Small Business Insurance With A Powerful Broker Strategy!

The Hartford Insurance Group reported solid financial results for the fourth quarter and full year of 2025, demonstrating a continuation of...

Baptista Research

Hartford Insurance Group: Mid & Large Is Ripping Higher—What’s Fueling This Breakout Quarter?

The Hartford Financial Services Group, Inc. reported robust results for the third quarter of 2025, demonstrating strong financial performance and...

Baptista Research

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

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

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