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THG Stock Chart & Stats
$218.11
$1.41(0.65%)
At close: 4:00 PM EDT
$218.11
$1.41(0.65%)
Day’s Range― - ―
52-Week Range$165.50 - $236.07
Previous Close$219.52
Volume312.94K
Average Volume (3M)331.15K
Market Cap
$8.10B
Enterprise Value$8.47K
Total Cash (Recent Filing)$2.02B
Total Debt (Recent Filing)$844.00M
Price to Earnings (P/E)11.0
Beta0.36
Next Earnings
Nov 04, 2026EPS Estimate
4.39Next Dividend Ex-DateN/A
Dividend Yield1.61%
Share Statistics
EPS (TTM)21.23
Shares Outstanding34,820,220
10 Day Avg. Volume321,284
30 Day Avg. Volume331,150
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$218.50Price Target Upside0.18% Upside
Rating ConsensusHold
Number of Analyst Covering8
EPS Forecast (FY)19.86
Revenue Forecast (FY)$6.65B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationConsistently high operating and free cash flow that closely tracks net income gives Hanover durable internal funding for reinsurance, technology and buybacks. Reliable cash conversion improves capital flexibility and cushions underwriting volatility over multiple cycles.
Improved Underwriting ProfitabilitySustained improvement in combined ratios and elevated operating ROE reflect disciplined pricing, risk selection and diversified book mix. These underwriting gains are structural drivers of long-term earnings power, reducing reliance on investment returns during loss years.
Sound Balance Sheet & Capital CapacityModerate and improving leverage plus stronger equity and ROE support resilience to catastrophe losses and enable proactive capital actions (reinsurance, CAT bonds, repurchases). A solid balance sheet underpins long-term financial flexibility and risk tolerance.
Bears Say
Earnings & Cash VolatilityPast collapse in profitability and prior free-cash-flow declines show Hanover remains exposed to underwriting cycles and catastrophe swings. Such volatility can materially alter ROE and capital deployment plans across 2–6 month to multi-year horizons, complicating forecasting.
Elevated Expense RatioA structurally higher expense ratio from compensation and distribution costs can erode underwriting margins if persistent. Sustained elevation makes it harder to translate pricing gains into durable combined ratio improvement, pressuring long-term operating leverage.
Casualty Reserve UncertaintyRepeated upward reserve adjustments and conservative liability picks indicate uncertain long-tail casualty trends. This reserve prudence can depress near-term earnings and suggests crystallizing claim cost risk that may persist and affect capital planning.
THG FAQ
What was The Hanover Insurance’s price range in the past 12 months?
The Hanover Insurance lowest stock price was $165.50 and its highest was $236.06 in the past 12 months.
What is The Hanover Insurance’s market cap?
The Hanover Insurance’s market cap is $8.10B.
When is The Hanover Insurance’s upcoming earnings report date?
The Hanover Insurance’s upcoming earnings report date is Nov 04, 2026 which is in 89 days.
How were The Hanover Insurance’s earnings last quarter?
The Hanover Insurance released its earnings results on Jul 28, 2026. The company reported $5.31 earnings per share for the quarter, beating the consensus estimate of $3.84 by $1.47.
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 1.61%. See more information on The Hanover Insurance dividends here
What is The Hanover Insurance’s EPS estimate?
The Hanover Insurance’s EPS estimate is 4.39.
How many shares outstanding does The Hanover Insurance have?
The Hanover Insurance has 34,820,220 shares outstanding.
What happened to The Hanover Insurance’s price movement after its last earnings report?
The Hanover Insurance reported an EPS of $5.31 in its last earnings report, beating expectations of $3.84. Following the earnings report the stock price went up 3.654%.
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
Outperform
1
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5
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7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$218.50 (0.18% Upside)
$218.50 (0.18% Upside)
Blogger Sentiment
Neutral
THG Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 311.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $6.5M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 1.9%
Last 30 Days ▲ 6.6%
Last 30 Days ▲ 6.6%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
36.38%
12-Months-Change
Fundamentals
Return on Equity
1.61%
Trailing 12-Months
Asset Growth
7.50%
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 Company Deck
THG Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed predominantly positive momentum: record second-quarter performance driven by disciplined underwriting, portfolio diversification, strong pricing in Personal and Core Commercial, Specialty strength, successful reinsurance renewals and rising investment income. Headwinds are manageable and primarily relate to a modestly higher expense ratio, variability in partnership income, prudent increases in casualty liability picks, and some competitive/market softness in property-exposed niches. Management emphasized capital returns (share buybacks) and continued investment in technology and distribution, positioning the company to sustain profitable growth.View all THG earnings summariesTHG Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$218.50
▲(0.18% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
1.11% Insiders
32.52% Mutual Funds
4.03% Other Institutional Investors
30.61% Public Companies and
Individual Investors









