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Financial Services - Insurance - Property & Casualty - NYSE - US
$ 150.66
-4.43 %
$ 5.43 B
Market Cap
12.9
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one THG stock under the worst case scenario is HIDDEN Compared to the current market price of 151 USD, The Hanover Insurance Group, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one THG stock under the base case scenario is HIDDEN Compared to the current market price of 151 USD, The Hanover Insurance Group, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one THG stock under the best case scenario is HIDDEN Compared to the current market price of 151 USD, The Hanover Insurance Group, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart THG

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$180.0$180.0$175.0$175.0$170.0$170.0$165.0$165.0$160.0$160.0$155.0$155.0$150.0$150.0$145.0$145.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
6.24 B REVENUE
4.07%
425 M OPERATING INCOME
786.04%
426 M NET INCOME
1171.64%
806 M OPERATING CASH FLOW
122.95%
-541 M INVESTING CASH FLOW
-136.72%
-146 M FINANCING CASH FLOW
-19.16%
1.58 B REVENUE
0.83%
0 OPERATING INCOME
0.00%
168 M NET INCOME
64.45%
214 M OPERATING CASH FLOW
-45.91%
-150 M INVESTING CASH FLOW
46.10%
-54.8 M FINANCING CASH FLOW
-105.24%
Balance Sheet The Hanover Insurance Group, Inc.
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Current Assets 2.24 B
Cash & Short-Term Investments 436 M
Receivables 1.8 B
Other Current Assets 0
Non-Current Assets 353 M
Long-Term Investments 7.82 B
PP&E 0
Other Non-Current Assets -7.47 B
16.82 %69.55 %302.10 %Total Assets$2.6b
Current Liabilities 857 M
Accounts Payable 37.7 M
Short-Term Debt 61.8 M
Other Current Liabilities 758 M
Non-Current Liabilities 11.6 B
Long-Term Debt 722 M
Other Non-Current Liabilities 10.9 B
6.08 %5.79 %87.33 %Total Liabilities$12.5b
EFFICIENCY
Earnings Waterfall The Hanover Insurance Group, Inc.
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Revenue 6.24 B
Cost Of Revenue 0
Gross Profit 6.24 B
Operating Expenses 5.81 B
Operating Income 425 M
Other Expenses -700 K
Net Income 426 M
7b7b6b6b5b5b4b4b3b3b2b2b1b1b006b06b(6b)425m700k426mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
6.82% OPERATING MARGIN
6.82%
6.83% NET MARGIN
6.83%
14.99% ROE
14.99%
2.79% ROA
2.79%
18.75% ROIC
18.75%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis The Hanover Insurance Group, Inc.
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900m900m800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 426 M
Depreciation & Amortization 1.5 M
Capital Expenditures -10.2 M
Stock-Based Compensation 31 M
Change in Working Capital 221 M
Others 367 M
Free Cash Flow 796 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets The Hanover Insurance Group, Inc.
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Wall Street analysts predict an average 1-year price target for THG of $163 , with forecasts ranging from a low of $126 to a high of $180 .
THG Lowest Price Target Wall Street Target
126 USD -16.37%
THG Average Price Target Wall Street Target
163 USD 8.10%
THG Highest Price Target Wall Street Target
180 USD 19.47%
Price
Max Price Target
Min Price Target
Average Price Target
180180170170160160150150140140130130120120110110May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.58% DIVIDEND YIELD
0.9 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
10.0010.009.009.008.008.007.007.006.006.005.005.004.004.003.003.002.002.001.001.000.000.000.410.460.50.544.750.60.650.70.750.810.850.90.410.460.50.540.60.650.70.750.810.850.410.460.50.540.60.650.70.750.810.850.461.690.51.880.542.040.62.223.159.100.72.600.752.800.813.010.853.220.93.410.850.902015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 15
6. Ownership
Insider Ownership The Hanover Insurance Group, Inc.
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Sold
0-3 MONTHS
5.53 M USD 2
3-6 MONTHS
6.3 M USD 3
6-9 MONTHS
3.83 M USD 4
9-12 MONTHS
284 K USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Bull of the Day: Hanover Insurance Group (THG) Shares are in the green in 2025. zacks.com - 1 week ago
4 P&C Insurance Stocks With Decent Dividend for a Steady Return Here, we have picked four insurance stocks, THG, CINF, FAF and FNF, which have a solid dividend history. zacks.com - 2 weeks ago
4 Stocks Trading Near 52-Week High With More Upside Potential Stocks like TAP, FMS, TGI and THG are seeing price strength and have a high chance of carrying the momentum forward. zacks.com - 2 weeks ago
The Hanover Appoints Richard W. Lavey Chief Operating Officer WORCESTER, Mass. , April 3, 2025 /PRNewswire/ -- The Hanover Insurance Group, Inc. (NYSE: THG) today announced it has appointed Richard W. prnewswire.com - 2 weeks ago
Why Hanover Insurance Group (THG) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hanover Insurance Group (THG) have what it takes? zacks.com - 3 weeks ago
What Makes Hanover Insurance Group (THG) a Strong Momentum Stock: Buy Now? Does Hanover Insurance Group (THG) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 3 weeks ago
The Hanover Insurance Group, Inc. to Issue First Quarter Financial Results on April 30 WORCESTER, Mass. , March 19, 2025 /PRNewswire/ -- The Hanover Insurance Group, Inc. (NYSE: THG) expects to issue its first quarter financial results after the market closes on Wednesday, April 30. prnewswire.com - 1 month ago
3 Stocks Trading Near 52-Week High With Room to Rise Further Investors target stocks that have been on a bullish run lately. Stocks like FMS, DTEGY and THG are seeing price strength and the momentum is likely to continue. zacks.com - 1 month ago
Why Hanover Insurance Group (THG) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hanover Insurance Group (THG) have what it takes? zacks.com - 1 month ago
4 Relative Price Strength Stocks With Bright Prospects for 2025 PBI, THG, ENS and THFF are four stocks with explosive relative price strength. zacks.com - 1 month ago
The Hanover Insurance Group, Inc. Declares Quarterly Dividend of $0.90 Per Common Share WORCESTER, Mass. , Feb. 24, 2025 /PRNewswire/ -- The Hanover Insurance Group, Inc. (NYSE: THG) announced today its board of directors has declared a quarterly dividend of $0.90 per share on the issued and outstanding common stock of the company, payable March 28, 2025, to shareholders of record at the close of business on March 14, 2025. prnewswire.com - 1 month ago
Hanover Insurance Group (THG) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Hanover Insurance Group (THG) have what it takes? zacks.com - 1 month ago
8. Profile Summary

The Hanover Insurance Group, Inc. THG

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 5.43 B
Dividend Yield 0.58%
Description The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services in the United States. The company operates through three segments: Commercial Lines, Personal Lines, and Other. The Commercial Lines segment offers commercial multiple peril, commercial automobile, and workers' compensation insurance products, as well as management and professional liability, marine, specialty industrial and commercial property, monoline general liability, surety, umbrella, fidelity, crime, and other commercial coverages. The Personal Lines segment provides personal automobile and homeowner's coverages, as well as other personal coverages, such as personal umbrella, inland marine, fire, personal watercraft, personal cyber, and other miscellaneous coverages. The Other segment markets investment management services to institutions, pension funds, and other organizations. The Hanover Insurance Group, Inc. markets its products and services through independent agents and brokers. The company was formerly known as Allmerica Financial Corp. and changed its name to The Hanover Insurance Group, Inc. in December 2005. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts.
Contact 440 Lincoln Street, Worcester, MA, 01653 https://www.hanover.com
IPO Date Oct. 11, 1995
Employees 4900
Officers Mr. Willard Ty-Lunn Lee Executive Vice President, Chief Information & Innovation Officer Ms. Denise Tinger Maureen Lowsley B.A. Executive Vice President & Chief Human Resources Officer Mr. John Conner Roche President, Chief Executive Officer & Director Ms. Lindsay France Greenfield Senior Vice President & Chief investment Officer Ms. Jennifer F. Luisa Senior Vice President & Chief Marketing Officer Ms. Mina S. Rona President of Technology & Life Sciences Mr. Dennis Francis Kerrigan Jr. Executive Vice President, Assistant Secretary & Chief Legal Officer Mr. Bryan James Salvatore Executive Vice President & President of Specialty Mr. Warren Ellison Barnes Senior Vice President, Corporate Controller & Principal Accounting Officer Ms. Oksana Lukasheva Senior Vice President of Corporate Finance