medium · FRM Part 1 Foundations of Risk Management

An analyst regresses a stock's excess returns against the Fama-French three factors and finds an R^2 of 0.92. A CAPM regression for the same stock shows an R^2 of 0.65.

What is the best interpretation of this difference?

  1. The CAPM's single factor misses significant systematic risk related to size and value tilts.
  2. The three-factor regression is suffering from multicollinearity, making its R^2 figure unreliable.
  3. The stock carries a high degree of idiosyncratic risk that neither model manages to capture.
  4. The stock is currently overpriced, as is indicated by the comparatively lower CAPM R^2 value.

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