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The Hanover Insurance Group, Inc. THG R3KFINANCIAL

Financial Services · Insurance - Property & Casualty · United States
https://www.hanover.com
Company Profile ↓
$224.48
+33.24% 1Y
Mkt Cap$7.82B
P/E10.74
P/B2.16
Div. Yield1.66%
52W High$232.63
52W Low$165.80
Book Value$105.23
EPS (TTM)$20.90

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 21.9%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 24.2% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 10.7, below the sector median of 12.9.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.23.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $6.57B (+5.6% YoY); net profit $662.50M.
  • Trailing 12 Months Year-on-year growth — revenue +4.3%, earnings +24.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 5.8%, profit CAGR 24.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:5.76%
1 Year:4.30%

Compounded Profit Growth

5 Years:24.22%
1 Year:24.90%

Stock Price Performance

1 Year:+33.24%
6 Months:+30.03%
3 Months:+18.18%
1 Month:-2.01%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 88% of range
$165.80 $232.63
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)49.48 · Neutral
Price Performance
1M-2.01%
3M+18.18%
6M+30.03%
1Y+33.24%
Valuation vs Sector

P/E of 10.74 is below the sector median of 12.89 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 21.9%.
  • Profit CAGR of 24.2% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.74
Industry PE
12.89
Forward P/E
11.48
PEG Ratio
0.34
Book Value
$105.23
Price to Book
2.16
P/S
1.17
EV/EBITDA
-
Dividend Yield
1.66%

Growth (CAGR)

Revenue 5Y
5.76%
Profit 5Y
24.22%
Revenue (YoY)
4.30%
Earnings (YoY)
24.90%

Profitability & Returns

ROCE
-
ROE
21.88%
ROA
3.89%
Profit Margin
11.17%
Op Margin
14.75%
Gross Margin
25.19%
EPS (Latest Qtr)
$5.38
EPS (TTM)
$20.90

Balance Sheet & Liquidity

Debt/Equity
0.23
Quick Ratio
0.18
Current Ratio
0.36
Debt
$844.00M
Total Assets
$16.86B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.95%
Chg in Prom Hold
-0.00%
FII / Inst Holding
93.22%
Chg in FII Hold
0.26%

Financial Snapshot

Enterprise Value
$7.82B
Total Revenue (TTM)
$6.76B
EBITDA
-
Free Cash Flow
$1.08B
Operating Cash Flow
$1.26B
Shares Outstanding
34.82M
Gross Margin
25.19%
Payout Ratio
17.95%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 THG The Hanover Insurance Group, Inc. R3KFINANCIAL 224.48 10.74 $7.82B 1.66% - 21.88% 5.76% 24.22%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 1.20B1.23B1.22B1.24B1.25B1.04B1.05B1.09B1.09B1.09B1.13B1.17B1.10B1.22B1.20B1.21B1.26B1.06B1.22B1.25B1.30B1.28B1.29B1.27B1.33B1.29B1.37B1.44B1.50B1.52B1.55B1.54B1.57B-1.60B1.65B1.66B1.66B1.69B1.72B
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income -120.40M94.70M129.80M-69.10M118.90M86.20M-93.30M107.30M112.80M-109.80M107.00M126.30M-117.10M88.90M128.40M-85.10M137.30M47.00M154.40M115.00M53.90M13.20M-79.40M13.70M149.70M95.40M150.60M-186.40M207.40M238.70M272.30M247.90M254.70M
EBITDA ----------------------------------------
Interest Expense -----------------------------------8.60M11.60M14.50M10.80M10.10M
Pretax Income -----------------------------------198.80M227.10M257.80M237.10M244.60M
Tax Provision -----------------------------------41.90M48.50M60.80M50.30M53.20M
Net Income 77.60M78.20M2.00M88.40M-13.50M45.20M78.40M11.10M51.50M67.70M99.30M100.40M123.60M122.40M74.00M118.90M109.80M-40.00M115.20M118.90M164.60M92.70M128.50M34.00M104.90M22.70M500.00K-12.00M-69.20M8.60M115.50M40.50M102.10M-128.20M157.10M178.70M198.50M186.80M191.60M
Diluted EPS 1.761.800.052.06-0.321.051.830.261.201.572.312.332.882.971.792.962.76-1.043.013.134.432.513.520.942.900.630.01-0.34-1.940.243.181.122.80-3.504.384.905.475.205.38

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 2.68B2.83B3.15B3.93B4.59B4.79B5.07B5.03B4.05B4.27B4.49B4.89B4.82B-5.43B5.96B6.22B6.57B
Cost of Revenue ------------------
Gross Profit ------------------
Operating Expenses ------------------
Operating Income --222.20M71.80M75.10M393.40M406.20M466.10M192.90M327.30M406.50M453.60M484.70M-178.10M75.20M571.90M887.00M
EBITDA ------------------
Interest Expense --------------34.10M34.10M34.10M43.20M
Pretax Income --------------144.00M41.10M537.80M843.80M
Tax Provision --------------27.20M7.60M112.50M183.10M
Net Income 20.60M197.20M151.20M36.70M55.90M251.00M282.00M331.50M155.10M186.20M391.00M425.10M358.70M-116.00M35.30M426.00M662.50M
Diluted EPS 0.403.863.270.801.235.596.287.403.594.339.0910.469.42-3.210.9811.7018.16

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --8.04B8.57B12.60B13.48B13.38B13.76B13.78B14.22B15.47B12.40B12.49B13.44B-14.00B14.61B15.27B16.95B
Current Assets -------------------
Cash & Equivalents 210.60M397.70M316.50M290.40M820.40M564.80M486.20M373.30M338.80M282.60M297.90M1.02B215.70M120.60M-305.00M316.10M435.50M1.12B
Inventory -------------------
Receivables ---------------3.57B3.76B3.80B3.87B
Total Liabilities --5.68B6.11B10.11B10.89B10.78B10.92B10.94B11.36B12.47B9.45B9.57B10.24B-11.66B12.15B12.43B13.37B
Current Liabilities -------------------
Long Term Debt --433.90M605.90M911.10M849.40M903.90M903.50M803.10M786.40M786.90M777.90M653.40M--782.40M783.20M722.30M1.22B
Total Debt ---------------782.40M783.20M784.10M1.22B
Total Equity -1.89B2.36B2.44B2.48B2.60B2.59B2.84B2.84B2.86B3.00B2.95B2.92B3.20B-2.33B2.47B2.84B3.57B
Shares Outstanding ---------------60.50M60.50M60.50M60.49M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 209.50M91.60M83.60M221.70M408.20M383.90M564.70M444.70M743.40M704.60M551.30M602.90M707.60M-722.30M361.70M806.40M1.18B
Investing Cash Flow 189.20M-174.20M-98.80M182.80M-562.80M-358.70M-600.70M-171.50M-495.40M-506.30M271.30M-311.90M-608.80M--507.60M-228.50M-540.90M-666.20M
Financing Cash Flow -144.60M-130.20M-8.60M127.30M-133.40M-105.50M-71.70M-301.00M-300.80M-111.70M-171.00M-1.10B-193.90M--140.60M-122.10M-145.50M175.20M
Capital Expenditure -9.50M-10.40M-10.90M-16.50M-21.30M-22.90M-11.20M-19.50M-15.70M-18.60M-13.10M-13.30M-14.90M--17.80M-11.90M-10.20M-7.70M
Free Cash Flow 200.00M81.20M72.70M205.20M386.90M361.00M553.50M425.20M727.70M686.00M538.20M589.60M692.70M-704.50M349.80M796.20M1.17B
Net Change in Cash --------------74.10M11.10M120.00M687.10M
Share Buybacks 58.50M148.10M134.70M21.70M20.00M78.20M20.40M127.30M105.60M37.20M57.70M563.60M212.80M162.60M30.80M026.70M129.20M
Dividends Paid 23.00M37.50M47.20M50.90M55.10M60.00M67.00M74.20M80.40M86.80M94.30M386.20M99.50M102.20M108.90M117.20M124.10M130.60M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % --7.0%1.8%1.6%8.2%8.0%9.3%4.8%7.7%9.0%9.3%10.0%-3.3%1.3%9.2%13.5%
Net Margin % 0.8%7.0%4.8%0.9%1.2%5.2%5.6%6.6%3.8%4.4%8.7%8.7%7.4%-2.1%0.6%6.9%10.1%
ROE % 1.1%8.4%6.2%1.5%2.2%9.7%9.9%11.7%5.4%6.2%13.2%14.6%11.2%-5.0%1.4%15.0%18.5%
ROCE % ------------------

Shareholding Pattern

Insiders
0.95%
Institutions
93.22%
Public Float
94.12%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 10.15% 3.53M $803.07M
2 Vanguard Portfolio Management LLC 5.51% 1.92M $436.35M
3 Price (T.Rowe) Associates Inc 5.26% 1.83M $416.34M
4 State Street Corporation 4.67% 1.63M $369.84M
5 Vanguard Capital Management LLC 4.19% 1.46M $331.59M
6 AQR Capital Management, LLC 3.85% 1.34M $304.84M
7 Fuller & Thaler Asset Management Inc. 3.13% 1.09M $247.70M
8 American Century Companies Inc 3.10% 1.08M $245.06M
9 Dimensional Fund Advisors LP 2.96% 1.03M $234.25M
10 Alliancebernstein L.P. 2.61% 909.13K $206.65M

Analyst View

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Latest News

Recent headlines for THG

Google News ue, 08 Sep 2026

Are You Looking for a Top Momentum Pick? Why Hanover Insurance Group (THG) is a Great Choice - finance.yahoo.com

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Google News Mon, 07 Sep 2026

Should Value Investors Buy The Hanover Insurance Group (THG) Stock? - finance.yahoo.com

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Google News Fri, 04 Sep 2026

Empowered Funds LLC Invests $1.76 Million in The Hanover Insurance Group, Inc. $THG - marketbeat.com

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Google News ue, 01 Sep 2026

THG Outperforms Industry, Trades at a Premium: Time to Buy the Stock? - Eastern Progress

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Google News Sat, 22 Aug 2026

Hanover Insurance Group (THG) Stock Looks Fairly Valued After Strong Gains - simplywall.st

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Google News hu, 03 Sep 2026

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THG — Frequently Asked Questions

What is the current share price of The Hanover Insurance Group, Inc. (THG)?

As of 2026-09-19 21:16 PDT, The Hanover Insurance Group, Inc. (THG) trades at $224.48 on NYSE. Its 52-week range is $165.80 to $232.63.

What is the market capitalisation of THG?

The Hanover Insurance Group, Inc. (THG) has a market capitalisation of $7.82B on NYSE.

What is the P/E ratio of THG?

THG trades at a trailing price-to-earnings (P/E) ratio of 10.74. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 2.16.

Does THG pay a dividend?

The Hanover Insurance Group, Inc. (THG) currently offers a dividend yield of 1.66%.

What is the return on equity (ROE) of THG?

THG has a return on equity (ROE) of 21.88%.

Is THG a good stock to buy?

This page provides a data-driven analysis of The Hanover Insurance Group, Inc. (THG), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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