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Try Stocky free →Cautious. HIG trades at a reasonable 10.7× forward P/E with solid Value Compounder fundamentals (61/100), but growth remains muted (54/100) and structural vulnerabilities limit upside. AARP's exclusive licensing deal through 2032 provides stable Personal Insurance revenue, yet agent/broker channel consolidation risks margin compression if larger distributors gain pricing power. Leadership alignment is modest (63.8/100), offering no offsetting catalyst.
Every stock is scored across six proprietary dimensions built for retail investors who want Buffett-quality analysis without a Bloomberg subscription. Here's the actual snapshot for HIG:
Quality + moat + leadership + valuation + sentiment fused into a single 0–100 number. When you see 59/100, you know instantly whether to dig deeper or skip.
Pricing power, switching costs, network effects, and 10-year ROIC data. Same framework Morningstar charges for — free inside Stocky.
Founder tenure, insider ownership, CEO pay reasonableness, long-term value creation. Six factors, one score — turns "trust the CEO" into evidence.
Customer concentration, supply chain, refinancing walls, regulatory exposure. Stocky maps knowable fragilities so you're never blindsided.
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Stocky rates HIG (HIG) at 59/100 — below the bar Stocky looks for. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Cautious. HIG trades at a reasonable 10.7× forward P/E with solid Value Compounder fundamentals (61/100), but growth remains muted (54/100) and structural vulnerabilities limit upside. AARP's exclusive licensing deal through 2032 provid
HIG's current Stocky Verdict is 59/100, placing it in the "Cautious" band. This composite combines a 61/100 Compounder score, 64/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for HIG yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
HIG scores 64/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
HIG's Vulnerability Profile scores 67/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to HIG.
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