THG logo

HANOVER INSURANCE GROUP INC/

THGNYSE
πŸ† #1034 by market capEarnings Oct 28US Equity
$217.96β–² $0.39 (+0.18%)
πŸŒ™ After hours$217.96β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–² 0.2%
7dβ–Ό 0.1%
14dβ–Ό 6.4%
30dβ–Ό 4.2%
ytdβ–² 19.2%
1yβ–² 21.9%
🏦Market Cap
$7.59B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+6.1%
Slowing
πŸ“ŠGross Margin
39.9%
Healthy
πŸ’΅FCF Margin
18.5%
Healthy
βš–οΈP/S Ratio
1.1x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$216.67 – $221.24
52-Week Range
$166.54 – $236.07
Volume
$2.54B
Avg Volume
$1.84B
Shares Outstanding
34.8M
Next Earnings
Nov 6, 2026

Fundamentals Snapshot

Annual Revenue
$6.60B
Last Q Revenue
$1.73B
P/E Ratio
10.2
P/S Ratio
1.1x
EPS (TTM)
$21.28
Dividend Yield
1.75%
Dilution (1yr)
βˆ’0.8%

Why Investors Own THG

  • βœ“High-growth profile β€” revenue up +48.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 25% gross margin and 12% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

THG logo

HANOVER INSURANCE GROUP INC/

THG
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$6.6Bβ–² +6.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
43.5%β–² +118.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$844Mβ–² +56.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$1.2Bβ–² +47.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
36.3Mβ–Ό βˆ’0.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$96Mβ–² +$253M YoY
StockOtter Β· stockotter.space

About HANOVER INSURANCE GROUP INC/

The Hanover Insurance Group, Inc. (THG) is a U.S.-based insurer offering a wide array of property and casualty coverage through its various operating units. Its operations are organized into three main divisions: Commercial Lines, Personal Lines, and an "Other" segment. The Commercial Lines division delivers a comprehensive suite of business insurance solutions, including multi-peril, commercial auto, and workers' compensation policies. It also provides management and professional liability, marine, specialized industrial and commercial property, standalone general liability, surety bonds, umbrella liability, fidelity, crime, and additional commercial protection. Within Personal Lines, customers can access auto and homeowners' insurance, alongside other individual coverages like personal umbrella policies, inland marine, fire, personal watercraft, and personal cyber protection. The "Other" segment focuses on delivering investment management expertise to institutions, pension funds, and a range of other organizational clients. Distribution of Hanover's offerings is primarily facilitated by a network of independent agents and brokers. Originally incorporated as Allmerica Financial Corp., the company adopted its current name, The Hanover Insurance Group, Inc., in December 2005. Established in 1852, The Hanover Insurance Group, Inc. maintains its corporate headquarters in Worcester, Massachusetts.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$252.23
β–² +15.7% Upside
High Target$285.14
Low Target$222.91
Based on 36 analysts

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