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Company Analysis

Hanover Insurance Group Inc THG

A comprehensive view of key metrics, scores, and financial health for Hanover Insurance Group Inc

Overview of The Hanover Insurance Group, Inc.

THG NYQ
Financial Services Insurance - Property & Casualty Mid Cap
The Hanover Insurance Group, Inc. (THG), is a Mid Cap company, in the Insurance - Property & Casualty industry, last closed at $173.39, about 43.6% overvalued vs fair value, +1.5% 1Y return, placing in the top 25% of its sector.
$173.39
-0.51%
As of March 13, 2026
Previous close • Vol 90d: 17.7%
52-Week Range
Market Cap
$6.25B
Enterprise Value
$6.34B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.hanover.com
HQ Worcester, MA
Employees 4,900
Fiscal year Dec 31

Next Events

Dividend Mar 27
Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$54
$98
$183
Current: $173.39 -44% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$24.4M
22.6%%
Interest Expense
$43.2M
Net Interest Income
$-34.1M
Total Revenue
$6.6B
6.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.0%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$259.8M
61.0% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Hanover Insurance Group Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
55
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
55
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing THG's balance between Growth (29.4%), Profitability (30.1%), and Safety (40.6%). Growth 29% Safety 41% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

45th percentile vs peers
46
Key Signals
EPS CAGR 3Y 78.1% 90p EPS Growth YoY 55.1% 62p Rev Growth YoY 6.1% 30p Revenue CAGR 3Y 6.7% 25p TSR 20.5% 42p
Strengths
  • Eps Cagr 3Y in top 20% of peers (78.1%, 90th percentile)
  • Strong liquidity position vs peers
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

46th percentile vs peers
47
Key Signals
Strengths
Risks
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Safety

63th percentile vs peers
63
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Hanover Insurance Group Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$97.71
- - -
-43.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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