The Hanover Insurance Group, Inc. (THG)

NYQ – Real Time Price. Currency in USD

222.13

+0.19 (0.09%)

At close: Aug 12, 2026, 3:59 PM EDT

222.18

+0.04 (0.02%)

After-hours: Aug 12, 2026, 4:15 PM EDT

Stock details

Previous close: 223.12$
Day's range: 219.24 - 223.91$
52-week range: 165.5 - 236.07$
Volume: 44 321
Average volume: 280 472
Beta: 0.06
EPS (TTM): 21.36
PE ratio (TTM): 10.64
Forward P/E: 11.01
Market cap: 7 769 087 783
Shares outstanding: 34 820 221
Dividend yield: $1.69 (1.69%)
Next earnings date: 2026-11-04
Sector: Financials
Industry: Insurance - Property & Casualty

About the company

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 ... read more

CEO: John Roche
Country: United States
IPO Date: 1995-10-10
Employees: 4900
Fiscal Year End: January - December
Website: https://www.hanover.com

Revenue Breakdown

Personal Lines / 40.87%

Core Commercial / 36.68%

Specialty / 22.83%

News

No Data

There are no news for this stock.

Chart: THG

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Overall Score

5.1 / 1051%

Octagon View

Strength & Weakness

Total debt $844.0M significantly exceeds cash reserves ($266.1M), raising financial stability concerns

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.2) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $209.4M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.37	3.60	4.0
Quick ratio	N/A	2.01	1.0
Debt to Equity	0.23	0.13	8.0
Debt to Assets	0.06	0.07	9.0
Interest coverage	N/A	18.18	10
Weighted average score			6.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	5.47B	5.99B	6.24B	6.59B	6.76B
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	178M	75M	572M	887M	1.01B
Net Income	116M	35M	426M	663M	756M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	27.33	1.0
Operating margin %	14.76	0.12	7.0
Net margin %	11.09	9.64	9.0
EBITDA margin %	N/A	13.17	1.0
Cash flow margin %	12.30	9.67	6.0
Weighted average score			4.8

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	4.89	2.97	6.0
ROE	21.06	10.85	10
ROIC	17.23	9.58	8.0
ROCE	N/A	7.53	1.0
Weighted average score			6.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	4.19	-13.79	2.5
Next quarter	4.66	-6.72	2.5
Current year	5.11	6.19	5.0
Next year	4.3	-4.17	2.5
Weighted average score			3.1

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	1.46	2.57	1.14	81.61	5.0
Y/Y	4.34	21.96	22.07	2.2	6.8
3y average	6.46	364.25	242.15	41.43	8.8
5y average	6.46	207.44	136.7	25.68	8.8
Weighted average score					7.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.81	86.06	8.8
PEG (5yr expected)	N/A	1.10	1.0
P/S	1.21	1.28	5.6
P/B	2.14	2.12	5.0
Weighted average score			5.1

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR5.2%

FCF 5 year CAGR4

Fair value427.39$

Stock price223.65$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.06	2.06	7.0
Payout ratio	21.70	21.70	4.0
5-year dividend growth rate	6.32	6.32	8.0
Years of dividend increase	20.00	20.00	9.0
Weighted average score			7.0

Fair Value

$427.39

UndervaluedStock priceOvervalued

$223.65

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

John Roche

Country

United States

IPO Date

1995-10-10

Employees

4900

Fiscal Year End

January - December

Website

https://www.hanover.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.37

3.60

4.0

Quick ratio

N/A

2.01

1.0

Debt to Equity

0.23

0.13

8.0

Debt to Assets

0.06

0.07

9.0

Interest coverage

N/A

18.18

Weighted average score

6.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

5.47B

5.99B

6.24B

6.59B

6.76B

Gross Profit

N/A

Operating Income

178M

75M

572M

887M

1.01B

Net Income

116M

35M

426M

663M

756M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

27.33

1.0

Operating margin %

14.76

0.12

7.0

Net margin %

11.09

9.64

9.0

EBITDA margin %

N/A

13.17

1.0

Cash flow margin %

12.30

9.67

6.0

Weighted average score

4.8

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

4.89

2.97

6.0

ROE

21.06

10.85

ROIC

17.23

9.58

8.0

ROCE

N/A

7.53

1.0

Weighted average score

6.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

4.19

-13.79

2.5

Next quarter

4.66

-6.72

2.5

Current year

5.11

6.19

5.0

Next year

4.3

-4.17

2.5

Weighted average score

3.1

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

1.46

2.57

1.14

81.61

5.0

Y/Y

4.34

21.96

22.07

2.2

6.8

3y average

6.46

364.25

242.15

41.43

8.8

5y average

6.46

207.44

136.7

25.68

8.8

Weighted average score

7.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.81

86.06

8.8

PEG (5yr expected)

N/A

1.10

1.0

P/S

1.21

1.28

5.6

P/B

2.14

2.12

5.0

Weighted average score

5.1

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.06

7.0

Payout ratio

21.70

4.0

5-year dividend growth rate

6.32

8.0

Years of dividend increase

20.00

9.0

Weighted average score

7.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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The Hanover Insurance Group, Inc. (THG)

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The Hanover Insurance Group, Inc. (THG)

Stock details

About the company

Revenue Breakdown

News

Chart: THG

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$427.39

$223.65

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: THG

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$427.39

$223.65

Economic Moat