COMPANY SUMMARY
The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services for individuals and businesses in the United States. It operates in four segments: Core Commercial, Specialty, Personal Lines, and Other. The company offers commercial multiple peril, commercial automobile, workers’ compensation, and other core commercial coverage; and professional and executive lines, marine, and surety and other, as well as specialty property and casualty products comprising Hanover program business, excess and surplus business, Hanover specialty industrial, and specialty general liability business coverage. It also provides personal automobile; and homeowners and other personal lines, including residences and personal property, liability claims, personal umbrella, inland marine, fire, personal watercraft, personal cyber, and other miscellaneous coverages. In addition, the company offers insurance products for collector cars, motorcycles, off-road vehicles, condominiums, valuable items, business owners, international, and management and professional liability; and for the construction, cultural and educational institutions, financial intuitions, healthcare, human services, life sciences, manufacturing, professional services, real estate, retail, technology, and wholesale and distribution industries. It markets its products and services through independent agents and brokers. The company was formerly known as Allmerica Financial Corp. and changed its name to The Hanover Insurance Group, Inc. in December 2005. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts.
Financial Summary
| Share Statistics |
THG |
Industry Median |
Percentile (All Stocks) |
| Market Cap (Mil) |
$8,100.2 |
$7,055.8 |
74% |
|
| Shares Out (Mil) |
35.6 |
66.0 |
40% |
|
| Institutional Ownership |
99.0% |
81.8% |
84% |
|
| Float (Mil) |
34.5 |
67.4 |
39% |
|
| Beta |
0.29 |
0.52 |
17% |
|
| Avg Daily Volume (000s) |
341 |
186 |
53% |
|
Price Change (52-week) |
40.8% |
90.4% |
75% |
|
| Growth |
THG |
Industry Median |
Percentile (All Stocks) |
| Sales (5yr) |
6.4% |
5.6% |
43% |
|
| Net Income (5yr) |
13.1% |
14.5% |
60% |
|
| EPS (5yr) |
14.0% |
15.6% |
54 |
|
| Dividends (5yr) |
6.6% |
3.8% |
96% |
|
| Cash Flow (5yr) |
57.3% |
(14.5%) |
95% |
|
| Estimates |
Qtrly |
Current Fiscal Year |
Next Fiscal Year |
| # of Estimates |
7 |
5 |
8 |
| Current EPS |
$4.367 |
$20.244 |
$19.205 |
| Month Ago EPS |
$4.180 |
$18.596 |
$18.593 |
| # Rev Up |
0 |
1 |
1 |
| # Rev Down |
1 |
0 |
0 |
| Three Months Ago EPS |
$4.157 |
$18.474 |
$18.444 |
| Year/Year Chg |
(18.7%) |
11.7% |
6.3% |
| Financials |
THG |
Industry Median |
Percentile (All Stocks) |
| Sales (TTM) (Mil) |
$6,764 |
$5,065 |
79% |
|
| Net Income (TTM) (Mil) |
$756 |
$534 |
83% |
|
| EPS (TTM) |
$21.345 |
$2.500 |
98% |
|
| Operating Cash Flow (TTM) (Mil) |
$1,264 |
$499 |
84% |
|
| Net Cash Flow (TTM) (Mil) |
$22 |
$3 |
63% |
|
| Long-Term Debt (Q1) (Mil) |
$794 |
$844 |
64% |
|
| Enterprise Value (Q1) (Mil) |
$8,590 |
$7,585 |
71% |
|
| Valuation |
THG |
Industry Median |
Percentile (All Stocks) |
| P/B |
2.21 |
1.77 |
54% |
|
| P/E |
11.1 |
12.9 |
20% |
|
| Dividend Yield |
1.6% |
0.9% |
73% |
|
| PEG (5yr hist) |
0.8 |
0.5 |
37% |
|
| Ratios |
THG |
Industry Median |
Percentile (All Stocks) |
| Gross Margin |
25.2% |
33.4% |
28% |
|
| Net Margin |
11.2% |
9.9% |
66% |
|
| ROA |
4.6% |
2.7% |
70% |
|
| ROE |
21.9% |
14.8% |
82% |
|
| Liabilities to Assets |
78.2% |
76.7% |
73% |
|
| F-Score |
7 |
6 |
84% |
|
Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
THG meetings the criteria of 4 screen:
Stock Screen
FACTOR STRATEGY
Est Rev: Top 30 Up
Factors: Earnings Estimates
Introduction to the use of earnings estimates.
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
GURU STRATEGY
Kirkpatrick Bargain Screen
Factors: Value, Momentum
Investing model outlined in Charles Kirkpatrick's book, Beat the Market: Invest by Knowing What Stocks to Buy and What Stocks to Sell.
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.