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THG The Hanover Insurance Group, Inc.

New York Stock Exchange · Insurance - Property & Casualty · Financial Services

$225.29
+2.10 (+0.94%)

The Hanover Insurance Group, Inc. (THG) is a U.S.-based insurer offering a wide array of property and casualty coverage through its various operating units. Its operations are organized into three main divisions: Commercial Lines, Personal Lines, and an "Other" segment. The Commercial Lines division delivers a comprehensive suite of business insurance solutions, including multi-peril, commercial a…

Market Cap: $7.84Bwww.hanover.com

Price (90d)

No price history yet — the daily price refresh runs once a day.

Signal Score (90d)

120
120
Aug 10Aug 10

Quote

Day Range
$222.66 – $225.34
52-Week Range
$165.50 – $236.07
Volume
$223.2K
Market Cap
$7.84B
50-Day Avg
$213.50
200-Day Avg
$187.74
Prev Close
$223.19
Open
$223.44

Valuation & Ratios

P/E Ratio
9.87
EPS
$18.51
P/B Ratio
1.83
P/S Ratio
0.99
Debt/Equity
0.34
Current Ratio
0.62
Dividend Yield
+2.0%
Gross Margin
+43.5%

Returns & Efficiency

Return on Equity
+18.5%
Return on Assets
+3.9%
FCF Yield
+17.9%
EV/EBITDA
7.52

Revenue & Net Income (Annual)

Fiscal YearRevenueNet IncomeEPS
2025$6.60B$662.50M$18.51
2024$6.22B$426.00M$11.85
2023$5.96B$35.30M$0.98
2022$5.43B$116.00M$3.21
2021$5.16B$422.80M$11.79

Social Signal Score

70
5d
30d
70
1 mentions
60d
70
1 mentions
90d
70
1 mentions
news: 1

Earnings

Wed, Nov 4(in 3 months)

Consensus estimate $4.36 per share

7of 7 quarters beat consensus

Typical surprise +34.3% (median, so one quarter with a near-zero estimate can't distort it)

  • Tue, Jul 28$5.31 vs $3.84beat
  • Wed, Apr 29$5.25 vs $4.14beat
  • Tue, Feb 3$5.79 vs $5.03beat
  • Wed, Oct 29$5.09 vs $3.79beat
  • Wed, Jul 30$4.35 vs $3.07beat
  • Wed, Apr 30$3.87 vs $3.58beat

Estimates and results for THG via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.

Valuation

Project earnings forward and see what return today's price implies.

Seeded from THG's reported EPS growth of 11.9% a year over 4 years.

EPS in 5 years
$32.47
Implied price
$324.70
Return from $225.29
7.6% a year

To earn 15.0% a year on these assumptions you'd need to buy at $161.43 -28.3% below today's price.

How sensitive is that answer?

Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.

growth \ P/E68101214
1.9%-11.5%-6.3%-2.0%1.6%4.8%
6.9%-7.2%-1.7%2.8%6.6%9.9%
11.9%-2.9%2.9%7.6%11.6%15.1%
16.9%1.5%7.5%12.4%16.6%20.2%
21.9%5.8%12.1%17.2%21.6%25.4%

This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.

Mentions (1)

  • Newszacks.com·5d ago·Positive

    Here's Why Hanover Insurance Group (THG) is a Strong Momentum Stock The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.

    View source ↗