Stock Scorecard
Stock Summary for Hanover Insurance Group Inc (THG) - $176.01 as of 11/6/2025 10:33:01 AM EST
Total Score
22 out of 30
Safety Score
65 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for THG
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for THG
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for THG
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for THG
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for THG (65 out of 100)
| Stock Price Rating (Max of 10) | 10 |
| Historical Stock Price Rating (Max of 10) | 10 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 3 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for THG
Financial Details for THG
Company Overview |
|
|---|---|
| Ticker | THG |
| Company Name | Hanover Insurance Group Inc |
| Country | USA |
| Description | The Hanover Insurance Group, Inc. is a prominent provider of property and casualty insurance solutions, catering to a diverse clientele across the United States. Headquartered in Worcester, Massachusetts, the company offers a wide array of products including personal, commercial, and specialty insurance lines. With a strong focus on delivering tailored coverage options and exceptional customer service, Hanover continues to enhance its competitive position in the insurance industry through strategic partnerships and innovative technology solutions. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | INSURANCE - PROPERTY & CASUALTY |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 2/3/2026 |
Stock Price History |
|
| Last Day Price | 176.01 |
| Price 4 Years Ago | 119.76 |
| Last Day Price Updated | 11/6/2025 10:33:01 AM EST |
| Last Day Volume | 206,646 |
| Average Daily Volume | 228,871 |
| 52-Week High | 186.46 |
| 52-Week Low | 142.92 |
| Last Price to 52 Week Low | 23.15% |
Valuation Measures |
|
| Trailing PE | 10.17 |
| Industry PE | 18.59 |
| Sector PE | 22.01 |
| 5-Year Average PE | 27.47 |
| Free Cash Flow Ratio | 6.84 |
| Industry Free Cash Flow Ratio | 47.14 |
| Sector Free Cash Flow Ratio | 33.60 |
| Current Ratio Most Recent Quarter | 6.52 |
| Total Cash Per Share | 25.73 |
| Book Value Per Share Most Recent Quarter | 95.97 |
| Price to Book Ratio | 2.03 |
| Industry Price to Book Ratio | 2.24 |
| Sector Price to Book Ratio | 2.30 |
| Price to Sales Ratio Twelve Trailing Months | 0.96 |
| Industry Price to Sales Ratio Twelve Trailing Months | 1.42 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.77 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 3 |
Share Statistics |
|
| Total Shares Outstanding | 35,584,000 |
| Market Capitalization | 6,263,139,840 |
| Institutional Ownership | 92.00% |
Dividends |
|
| Ex-Dividend Date | 9/12/2025 |
| Previous Dividend Amount | 0.9000 |
| Current Dividend Amount | 0.9000 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 3.60 |
| Trailing Annual Dividend Yield | 2.05% |
| Forward Annual Dividend Rate | 3.60 |
| Forward Annual Dividend Yield | 2.05% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.27% |
| 5-Year Average Dividend Yield | 2.47% |
| 1-Year Dividend Growth Rate Percentage | 4.35% |
| 3-Year Dividend Growth Rate Percentage | 2.15% |
| 5-Year Dividend Growth Rate Percentage | 6.01% |
| All-Time Dividend Growth Rate Percentage | 18.24% |
| Dividend Payout Ratio | 20.81% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 75.10% |
| Annual Earnings Growth | 1,106.80% |
| Reported EPS 12 Trailing Months | 17.30 |
| Reported EPS Past Year | 13.31 |
| Reported EPS Prior Year | 13.33 |
| Net Income Twelve Trailing Months | 631,900,000 |
| Net Income Past Year | 426,000,000 |
| Net Income Prior Year | 35,300,000 |
| Quarterly Revenue Growth YOY | 6.40% |
| 5-Year Revenue Growth | 4.92% |
| Operating Margin Twelve Trailing Months | 14.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 915,700,000 |
| Total Cash Past Year | 435,500,000 |
| Total Cash Prior Year | 316,100,000 |
| Net Cash Position Most Recent Quarter | 567,900,000 |
| Net Cash Position Past Year | -286,800,000 |
| Long Term Debt Past Year | 722,300,000 |
| Long Term Debt Prior Year | 783,200,000 |
| Total Debt Most Recent Quarter | 347,800,000 |
| Equity to Debt Ratio Past Year | 0.80 |
| Equity to Debt Ratio Most Recent Quarter | 0.91 |
| Total Stockholder Equity Past Year | 2,841,800,000 |
| Total Stockholder Equity Prior Year | 2,465,600,000 |
| Total Stockholder Equity Most Recent Quarter | 3,426,300,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 1,003,900,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 28.21 |
| Free Cash Flow Past Year | 796,200,000 |
| Free Cash Flow Prior Year | 349,800,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -1.42 |
| MACD Signal | -1.40 |
| 20-Day Bollinger Lower Band | 160.37 |
| 20-Day Bollinger Middle Band | 172.04 |
| 20-Day Bollinger Upper Band | 183.71 |
| Beta | 0.34 |
| RSI | 53.80 |
| 50-Day SMA | 136.42 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 134.71 |
System |
|
| Modified | 11/6/2025 10:33:03 AM EST |