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The Fama-French three-factor model expands on the CAPM by including two additional factors: size (SMB, or small minus big) and value (HML, or high minus low). The size factor captures the tendency of small-cap stocks to outperform large-cap stocks, while the value factor captures the tendency of value stocks (stocks with low price-to-book ratios) to outperform growth stocks (stocks with high price-to-book ratios). The inclusion of these factors has been shown to improve the explanatory power of the model and provide a better fit to historical stock returns. The Fama-French model has become a widely used tool in asset pricing and portfolio management, and it has spawned numerous extensions and variations. Researchers have continued to explore additional factors that may explain stock returns, such as momentum, profitability, and investment. The ongoing quest to identify and understand these factors is a central theme in modern finance.
