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The Hanover Insurance Group, Inc. THG

Financial — Insurance Property & Casualty
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
16.23
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 1 — — 2 — — 8 1 — 3 —
Insider Ownership
1.63%

Capital & Financial Ratios

Market Cap
7,980.00
Revenue
6,764.40
Net Income
755.60
Free Cash Flow
1,253.10
Net Debt
577.90
Current Ratio
0.37
Debt/Equity
0.23
P/E ratio
10.75
P/S ratio
1.18
P/B ratio
2.17
Past 5Y EPS Growth
2.25%
This Y EPS Growth
6.28%
Next Y EPS Growth
(3.89%)
Next 5Y EPS Growth
1.09%
in millions of $

Dividends

Payout Ratio
0.37
Annual Dividend Rate
3.24
Annual Dividend Yield
2.64%
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡‡
2026 3.86
—
—
—
2025 3.65
—
—
—
—
2024 3.45
—
—
—
—
2023 3.28
—
—
—
—
2022 3.06
—
—
—
—
2021 2.85
—
—
—
—
2020 2.65
—
—
—
—
2019 1.80
—
—
—
—
—
2018 2.22
—
—
—
—
2017 2.04
—
—
—
—
2016 1.88
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 316.10 435.50 1,122.70 266.10
Receivables 3,761.70 3,795.30 3,872.40 4,029.00
Inventory — — — —
Other — — — —
4,077.80 4,230.80 4,995.10 4,295.10
2023 2024 2025 Q'26
Payables 10,474.90 10,782.20 11,240.80 11,526.40
ST’ Debt — 61.80 375.00 50.10
Other — — — —
10,474.90 10,844.00 11,615.80 11,576.50
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 1,701.40 1,726.20 — —
—
’25 1,603.20 1,654.40 1,665.00 1,671.80
6,594.40
’24 1,551.10 1,536.70 1,565.30 1,584.30
6,237.40
’23 1,443.70 1,504.40 1,516.60 1,528.80
5,993.50
’22 1,330.70 1,292.90 1,366.30 1,478.70
5,468.60
’21 1,282.10 1,292.30 1,274.90 1,378.50
5,227.80
’20 1,056.20 1,224.30 1,249.80 1,294.50
4,824.80
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 118.80 212.30 — —
—
’25 38.90 206.60 554.40 378.20
1,178.10
’24 58.70 139.50 394.70 213.50
806.40
’23 18.10 26.20 224.70 92.70
361.70
’22 200.10 8.60 315.10 198.50
722.30
’21 141.80 167.20 286.40 228.30
823.70
’20 36.60 189.20 320.80 161.00
707.60
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 115.30 209.40 — —
—
’25 37.10 204.90 551.40 377.00
1,170.40
’24 56.10 137.30 392.30 210.50
796.20
’23 14.60 22.90 221.80 90.50
349.80
’22 195.20 3.60 311.10 194.60
704.50
’21 139.50 165.90 284.30 226.00
815.70
’20 33.40 184.60 316.50 158.20
692.70
in millions of $

EPS

Mar Jun Sep Dec Year
’26 5.20 5.38 — —
—
’25 3.50 4.30 4.90 5.47
18.16
’24 3.18 1.12 2.80 4.59
11.70
’23 (0.34) (1.94) 0.24 2.98
0.98
’22 2.90 0.63 0.01 (0.33)
3.21
’21 2.51 3.52 0.94 4.53
11.49
’20 (1.04) 3.01 3.13 4.43
9.42

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

2.7
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 123.36 103.83 119.66 145.17 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 155.55 148.78 166.13 188.18 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4,600 4,800 4,900 4,900 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.19 1.25 1.27 1.35 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5,468.60 5,993.50 6,237.40 6,594.40 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 33.74% 31.02% 39.76% 43.45% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 144.00 41.10 537.80 843.80 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.63% 0.69% 8.62% 12.80% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 116.00 35.30 426.00 662.50 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18.40 14.20 8.30 2.10 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 153.61 167.89 173.74 184.20 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 3.21 0.99 11.87 18.16 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 20.29 10.13 22.46 32.91 ‡‡‡‡ — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.50) (0.33) (0.28) (0.22) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 19.79 9.80 22.18 32.69 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 65.55 69.06 79.16 99.76 ‡‡‡‡ — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 35.60 35.70 35.90 35.80 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 42.34 126.74 13.14 10.06 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ 0.88 0.73 0.89 0.99 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.07 1.78 1.95 1.83 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.97 0.81 0.95 1.01 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.55 13.88 7.41 5.67 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 722.30 361.70 806.40 1,178.10 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (17.80) (11.90) (10.20) (7.70) ‡‡‡‡‡ — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 704.50 349.80 796.20 1,170.40 ‡‡‡‡‡ — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (6,166.20) (6,397.10) (6,613.20) (6,620.70) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 782.40 783.20 784.10 1,218.30 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 477.40 467.10 348.60 95.60 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,333.70 2,465.60 2,841.80 3,571.50 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.82% 0.25% 2.85% 4.11% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.20% 0.88% 10.54% 14.38% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.23% 1.47% 16.05% 20.66% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

The Hanover Insurance Group (THG) has delivered steady revenue growth, rising 54% to $6.24 billion in 2024 from 2016 levels at a 6% CAGR, fueled by premium hikes and solid employee productivity. However, earnings remain volatile, with EBT margins swinging from 10.7% in 2019 to a mere 0.7% in 2023 due to catastrophe claims, loss cost inflation, and pricing pressures—though a sharp rebound to 8.6% in 2024 signals recovery. Cash flows are robust, supporting dividends and buybacks, while a prudent balance sheet features low net debt and improving returns like 16.1% ROE.

Valuation looks compelling at 10-11x forward PE and 0.9x PS, potentially undervalued versus peers if analyst forecasts pan out—with revenue hitting $7.12 billion by 2027 and EPS surging to $17.82. Yet, optimism is tempered by historical cycles, recent insider selling (over $13 million in shares dumped, no buys), and looming risks like escalating cat losses and climate impacts.

THG earns watchlist status for conservative investors, offering 13-20% upside potential but demanding vigilance amid feast-or-famine profits—patience could pay off, but restraint is key.

Read full commentary →

The Hanover Insurance Group, Inc. (THG) Latest News

News by impact score

Fine-tune

22 Aug

3 , 8:08 AM
Investors react to Hanover Insurance Group analyst value ratings alongside the company's CEO succession plan. CEO succession plans can shift leadership stability and near-term investor sentiment without guaranteeing fundamental trajectory changes.

21 Aug

3 , 7:11 PM
Hanover Insurance Group (THG) receives Zacks upgrade based on undervalued narrative. Zacks upgrade may lift short-term investor sentiment and share price without altering core operations.

31 Jul

4 , 6:07 AM
THG stock rises 7.5% after record Q2 results and $700 million share buyback authorization. Record quarterly results plus large buyback signal strong operations and direct shareholder value support likely to lift performance and sentiment.

30 Jul

4 , 4:21 PM
The Hanover Insurance Group achieved Q2 margin expansion through technology investments that are shaping its future outlook. Q2 margin gains from technology investments represent major strategic moves that can significantly alter THG's financial trajectory and investor outlook.

3 www.marketbeat.com, 8:03 AM
The Hanover Insurance Group reported Q2 earnings call highlights covering financial results, operational metrics and management outlook. Quarterly earnings data supply performance updates that moderately shift investor views and near-term stock movement.

29 Jul

4 , 5:05 PM
The Hanover Insurance Group Inc (THG) reported record performance in its Q2 2026 earnings call. Record Q2 2026 performance signals strong financial results that will boost stock valuation and market confidence.

3 , 2:09 PM
THG posted Q2 earnings above forecasts from personal lines gains but missed on revenues. Q2 earnings beat from personal lines paired with revenue miss points to moderate effects on near-term financial views and stock movement.

28 Jul

3 , 6:00 PM
Hanover Insurance Group (THG) reported Q2 earnings that exceeded estimates. Quarterly earnings beat offers moderate positive signal for near-term results and sentiment.

3 , 4:10 PM
The Hanover Insurance Group, Inc. posted record second quarter net income of $5.38 per diluted share and operating income of $5.31 per diluted share, with net and operating returns on equity of 21.2% and 19.8% respectively. Record quarterly results strengthen reported financial performance and support positive market sentiment toward the company.

27 Jul

4 , 3:25 AM
The Hanover Insurance Group (THG) prepares to report Q2 earnings with analyst expectations centered on revenue, profitability and insurance segment performance. Q2 earnings results typically drive substantial changes in THG valuation and investor positioning.

3 , 12:00 PM
Hanover Insurance (THG) upgraded to Strong Buy. Strong Buy upgrade may lift short-term investor sentiment and share price for THG.

21 Jul

3 , 9:11 AM
Hanover Insurance Group (THG) undergoes CEO transition, prompting assessment of whether current valuation fairly reflects the change. CEO transition may shift strategy and sentiment but is unlikely to fundamentally alter THG trajectory.

6 Jul

3 , 10:45 AM
THG outperforms the industry and trades near its 52-week high, prompting questions on whether investors should exit. Trading near 52-week highs after industry outperformance may shift investor sentiment and near-term positioning.

6 Jun

3 Simply Wall St., 7:12 PM
Hanover survey reveals customer confusion over coverage and questions dividend sustainability for THG. Dividend sustainability questions may pressure short-term investor sentiment and stock performance.

4 Jun

4 Zacks, 11:51 AM
Hanover Insurance Group divests Hartford Funds to Wellington, unlocking $1.9 billion in value. Major divestiture of Hartford Funds to Wellington for $1.9B will significantly enhance THG's capital and reshape its operations.

25 May

3 Simply Wall St., 11:11 PM
Hanover Insurance Group expands motorcycle insurance operations and gains Zacks upgrade, shifting its investment profile toward growth. Motorcycle expansion plus Zacks upgrade signals moderate gains in operations and sentiment without reshaping overall trajectory.

22 May

3 Zacks, 12:00 PM
Hanover Insurance Group (THG) rating upgraded to Strong Buy. Strong Buy rating upgrade for THG lifts investor sentiment and supports near-term stock gains.

13 May

3 PR Newswire, 4:06 PM
The Hanover Insurance Group, Inc. announces a new share repurchase authorization, allowing the company to buy back up to $500 million of its common shares over the next three years, replacing the prior program and signaling confidence in its financial position. New share repurchase authorization supports earnings per share growth and boosts investor confidence without fundamentally altering core operations.

4 May

4 Simply Wall St., 9:15 AM
Margin-driven earnings beats and heavy share buybacks could reshape The Hanover Insurance Group (THG)'s core investment narrative. Improved margins driving earnings beats and aggressive buybacks represent major strategic actions boosting shareholder value and market perception.

2 May

4 www.marketbeat.com, 10:29 AM
The Hanover Insurance Group, Inc. (THG) released highlights from its Q1 earnings call, covering financial performance, strategic updates, and forward guidance. Q1 earnings call highlights reveal key financial metrics and outlook that can drive significant shifts in stock price and investor confidence.

4 StockStory, 3:40 AM
The Hanover Insurance Group (THG) delivered Q1 earnings upside fueled by margin expansion and strategic technology investments. Margin expansion and technology investments drove Q1 earnings beat, boosting financial performance and long-term competitive edge.

30 Apr

4 Zacks, 3:13 PM
The Hanover Insurance Group reported Q1 earnings surpassing analyst estimates, driven by lower catastrophe losses. Q1 earnings beat from reduced cat losses significantly enhances financial performance and investor sentiment.

4 transcript www.fool.com, 12:07 PM
The Hanover Insurance Group, Inc. (THG) released its Q1 2026 earnings call transcript, detailing quarterly financial results, management discussion, operational updates, and forward-looking guidance. Q1 2026 earnings transcript discloses financial performance and strategic outlook for THG, likely driving significant shifts in market valuation and investor expectations.

4 app.moby.co, 8:30 AM
The Hanover Insurance Group, Inc. (THG) released Q1 2026 earnings call summary detailing financial results, operational updates, and forward guidance. Quarterly earnings call summaries disclose key financial metrics and strategic insights that significantly shape investor sentiment and stock trajectory.

29 Apr

4 Zacks, 9:30 PM
Hanover Insurance Group (THG) Q1 earnings report analyzes key metrics against estimates. Q1 earnings metrics versus estimates signal financial health and drive investor sentiment shifts.

4 Zacks, 6:40 PM
The Hanover Insurance Group, Inc. (THG) surpassed Q1 earnings estimates. Beating Q1 earnings estimates indicates strong financial performance, likely enhancing investor sentiment and stock trajectory.

4 PR Newswire, 4:10 PM
The Hanover Insurance Group, Inc. (THG) reported record first-quarter net income of $5.20 per diluted share and operating income of $5.25 per diluted share, alongside record net return on equity of 20.9% and operating return on equity of 20.3%. Record first-quarter earnings and ROE metrics indicate strong financial performance likely to enhance investor sentiment and stock trajectory.

3 StockStory, 4:28 PM
The Hanover Insurance Group (NYSE:THG) missed Q1 CY2026 sales expectations. Missing Q1 CY2026 sales expectations will moderately influence THG's financial performance and investor sentiment.

28 Apr

3 StockStory, 11:56 AM
The Hanover Insurance Group (THG) releases earnings tomorrow amid analyst expectations for revenue, EPS, and performance metrics. Upcoming earnings report likely to influence THG's financial results and short-term market sentiment.

22 Apr

3 Zacks, 10:00 AM
The Hanover Insurance Group, Inc. (THG) will report earnings next week, with Wall Street expecting growth. Anticipated earnings growth can moderately influence THG's short-term financial perception and stock performance.
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