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THG Stock Chart & Stats
$181.85
$1.28(0.84%)
At close: 4:00 PM EST
$181.85
$1.28(0.84%)
Day’s Range― - ―
52-Week Range$162.69 - $225.29
Previous CloseN/A
Volume24.42K
Average Volume (3M)329.74K
Market Cap
$7.49B
Enterprise Value$7.59B
Total Cash (Recent Filing)$2.03B
Total Debt (Recent Filing)$843.80M
Price to Earnings (P/E)10.7
Beta0.32
Next Earnings
Jul 28, 2026EPS Estimate
3.84Next Dividend Ex-DateN/A
Dividend Yield1.97%
Share Statistics
EPS (TTM)20.21
Shares Outstanding34,986,786
10 Day Avg. Volume293,583
30 Day Avg. Volume329,744
Financial Highlights & Ratios
PEG Ratio0.18
Price to Book (P/B)1.83
Price to Sales (P/S)0.99
P/FCF Ratio5.59
Enterprise Value/Market Cap1.01
Enterprise Value/Revenue1.14
Enterprise Value/Gross Profit3.29
Enterprise Value/Ebitda7.89
Forecast
1Y Price Target
$217.57Price Target Upside19.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)18.43
Revenue Forecast (FY)$6.64B
Bulls Say, Bears Say
Bulls Say
Improved Profitability / ROEThe company’s rebound to ~20.9% ROE and ~10.8% TTM net margin reflects durable underwriting discipline and reserve management. Sustained higher ROE improves internal capital generation, funds buybacks/dividends, and signals structural improvement in underwriting economics beyond a single quarter.
Conservative Leverage And CapitalA low debt-to-equity (~0.24) and growing equity provide long-term financial flexibility to absorb underwriting volatility, support reinsurance and catastrophe buffers, and enable opportunistic capital returns without compromising solvency or ratings—important for P&C durability.
Strong Cash Generation & Investment IncomeRising investment income and a high-quality fixed-income portfolio (AA- weighted, ~95% IG) materially bolster recurring earnings and free cash flow. Together with FCF closely tracking net income, this mix enhances earnings resilience and funds underwriting needs and shareholder returns over time.
Bears Say
Catastrophe ExposureMaterial cat hits (6–8 pts of combined ratio) show the firm's earnings remain exposed to weather and seasonality. Persistent cat volatility increases reserve and reinsurance costs and can erode underwriting margins and capital cushions across multi-quarter cycles unless pricing and portfolio actions fully offset frequency.
Elevated Liability SeverityIndustry-wide higher jury awards and rising liability severity create structural pressure on loss costs and reserve adequacy. Long-term elevated severity forces sustained pricing, tighter terms, or reduced appetite in casualty-exposed lines, limiting growth and compressing underwriting margins if trends persist.
Underwriting And Earnings VolatilityHistorical swings in underwriting results and uneven operating cash flow introduce uncertainty in earnings durability. This cyclicality complicates capital planning, may require conservative reserving or higher reinsurance spend, and reduces predictability of returns versus steadier insurance peers.
Hanover Insurance News
THG FAQ
What was The Hanover Insurance’s price range in the past 12 months?
The Hanover Insurance lowest stock price was $162.69 and its highest was $225.28 in the past 12 months.
What is The Hanover Insurance’s market cap?
The Hanover Insurance’s market cap is $7.49B.
When is The Hanover Insurance’s upcoming earnings report date?
The Hanover Insurance’s upcoming earnings report date is Jul 28, 2026 which is in 13 days.
How were The Hanover Insurance’s earnings last quarter?
The Hanover Insurance released its earnings results on Apr 29, 2026. The company reported $5.25 earnings per share for the quarter, beating the consensus estimate of $4.218 by $1.032.
Is The Hanover Insurance overvalued?
According to Wall Street analysts The Hanover Insurance’s price is currently Undervalued.
Does The Hanover Insurance pay dividends?
The Hanover Insurance pays a Quarterly dividend of $0.95 which represents an annual dividend yield of 1.97%. See more information on The Hanover Insurance dividends here
What is The Hanover Insurance’s EPS estimate?
The Hanover Insurance’s EPS estimate is 3.84.
How many shares outstanding does The Hanover Insurance have?
The Hanover Insurance has 34,986,786 shares outstanding.
What happened to The Hanover Insurance’s price movement after its last earnings report?
The Hanover Insurance reported an EPS of $5.25 in its last earnings report, beating expectations of $4.218. Following the earnings report the stock price went up 5.735%.
Which hedge fund is a major shareholder of The Hanover Insurance?
Currently, no hedge funds are holding shares in THG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Hanover Insurance Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$217.57 (19.64% Upside)
$217.57 (19.64% Upside)
Blogger Sentiment
Bullish
THG Sentiment 70%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 311.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $6.3M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 0.7%
Last 30 Days ▲ 43.3%
Last 30 Days ▲ 43.3%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Positive
20 days / 200 days
Momentum
35.42%
12-Months-Change
Fundamentals
Return on Equity
20.92%
Trailing 12-Months
Asset Growth
7.74%
Trailing 12-Months
Company Description
The Hanover Insurance
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.
THG Stock 12 Month Forecast
Average Price Target
$217.57
▲(19.64% Upside)
Technical Analysis
Ownership Overview
1.05% Insiders
32.36% Mutual Funds
0.40% Other Institutional Investors
34.58% Public Companies and
Individual Investors