Hanover Insurance/$THG
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Hanover Insurance
The Hanover Insurance Group Inc is a holding company whose primary business is offering property and casualty insurance products and services. The company markets itself through independent agents and brokers in the United States while conducting business through Hanover Insurance, Citizens and other THG subsidiaries. The company conducts business operations through four operating segments: Core Commercial, Specialty, Personal Lines, and Other. The company operates an investment portfolio that is exposed to fixed-income securities.
- Ticker
- $THG
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 4,900
- Headquarters
- Worcester, United States
- Website
- www.hanover.com
THG Metrics
BasicAdvanced
$8.3B
11.62
$20.91
0.25
$3.80
1.56%
Price and volume
Market cap
$8.3B
Beta
0.25
52-week high
$256.74
52-week low
$166.54
Average daily volume
289K
Dividend rate
$3.80
Financial strength
Current ratio
0.378
Quick ratio
0.196
Long term debt to equity
0.231
Total debt to equity
0.245
Dividend payout ratio (TTM)
17.77%
Interest coverage (TTM)
22.14%
Profitability
Gross margin (TTM)
24.77%
Net profit margin (TTM)
10.97%
Operating margin (TTM)
14.71%
Effective tax rate (TTM)
22.12%
Revenue per employee (TTM)
$1,390,000
Management effectiveness
Return on assets (TTM)
3.72%
Return on equity (TTM)
21.77%
Valuation
Price to earnings (TTM)
11.616
Price to revenue (TTM)
1.248
Price to book
2.43
Price to tangible book (TTM)
2.57
Price to free cash flow (TTM)
6.983
Free cash flow yield (TTM)
14.32%
Free cash flow per share (TTM)
34.784
Dividend yield (TTM)
1.56%
Forward dividend yield
1.56%
Growth
Revenue change (TTM)
5.04%
Earnings per share change (TTM)
20.66%
3-year revenue growth (CAGR)
4.77%
10-year revenue growth (CAGR)
3.39%
3-year earnings per share growth (CAGR)
106.42%
10-year earnings per share growth (CAGR)
13.93%
3-year dividend per share growth (CAGR)
5.46%
10-year dividend per share growth (CAGR)
7.52%
What the Analysts think about THG
Analyst ratings (Buy, Hold, Sell) for Hanover Insurance stock.
Analyst projections of the future price of Hanover Insurance stock.
Bulls say / Bears say
Underlying underwriting strengthened: the third-quarter combined ratio excluding catastrophes improved to 85.5% from 88.1% a year earlier, while the current-accident-year ex-cat loss ratio fell 1.9 points to 55.7%. Operating earnings per share reached a third-quarter record of $5.15. (PR Newswire)
Net investment income rose 12.7% to $131.9 million, supported by higher earned yields, strong cash flows and partnership income. This adds a growing source of earnings alongside underwriting. (PR Newswire)
Core Commercial premiums grew 4.6% and Specialty premiums 3.3% in the quarter, with renewal price increases of 7.4% and 4.3%, respectively. That gives Hanover room for selective growth while maintaining pricing discipline. (PR Newswire)
Catastrophe losses reached $109.7 million, adding 6.8 points to the third-quarter combined ratio, compared with 3.0 points a year earlier. Severe weather can therefore still cause sharp swings in underwriting results. (PR Newswire)
Favourable prior-year reserve development was $138.5 million in the first nine months, more than double the $68.3 million recorded a year earlier. These releases have supported reported results but may not recur at the same level. (SEC)
Net premiums written grew 3.1% in the third quarter, slower than 4.5% a year earlier, and Personal Lines policies in force were flat sequentially. This points to modest volume momentum and leaves growth more reliant on pricing. (PR Newswire)
Data summarised monthly by Lightyear AI. Last updated on 1 Nov 2026.
THG Financial Performance
Revenues and expenses
THG Earnings Performance
Company profitability
Upcoming events
No upcoming events
THG News
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Funds containing THG
AllUSDEURGBP
Fund name | Fund size | $THG weighting |
|---|---|---|
SPDR S&P US Dividend Aristocrats€SPYD | $3.8B | 0.33% |
SPDR S&P US Dividend Aristocrats£USDV | $3.8B | 0.33% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.4B | 0.26% |
SPDR S&P 400 US Mid Cap£SPX4 | $6.4B | 0.26% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.18% |
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