Market Summary
USD112.44-0.41
Market Closed-0.36%
THG Stock Price
THG RSI Chart
THG Valuation
THG Price/Sales (Trailing)
THG Profitability
THG Fundamentals
THG Revenue
THG Earnings
Price Action
52 Week Range
103.83148.78
(Low)(High)
Last 7 days
1.2%
Last 30 days
7.6%
Last 90 days
1.8%
Trailing 12 Months
-15.2%
THG Financial Health
THG Investor Care
Historical Charts for Stock Metrics
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Net sales
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Latest Insider Trading transactions for THG
Filter Transactions| Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
2023-08-07 | Carlin Jane D | sold | -142,090 | 114 | -1,246 | - |
2023-06-30 | Salvatore Bryan J | acquired | - | - | 32.775 | executive vice president |
2023-06-30 | Lee Willard T | acquired | - | - | 14.687 | executive vice president |
2023-06-30 | Kerrigan Dennis Francis | acquired | - | - | 23.568 | executive vice president |
2023-06-30 | Roche John C | acquired | - | - | 168 | president and ceo |
2023-06-30 | LOVELY DAVID JOHN | acquired | - | - | 4.832 | executive vice president |
2023-06-30 | LAVEY RICHARD W | acquired | - | - | 36.605 | executive vice president |
2023-06-30 | Lowsley Denise | acquired | - | - | 15.824 | executive vice president |
2023-06-30 | BARNES WARREN E. | acquired | - | - | 14.967 | svp & princpl. accntg. officer |
2023-06-30 | FARBER JEFFREY M | acquired | - | - | 70.443 | executive vice president |
Which funds bought or sold THG recently?
View All Details| Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
|---|---|---|---|---|---|---|
2023-09-21 | Jefferies Group LLC | new | - | 576,630 | 576,630 | -% |
2023-09-21 | Baystate Wealth Management LLC | unchanged | - | -123 | 934 | -% |
2023-09-20 | BARCLAYS PLC | added | 116 | 2,301,000 | 4,858,000 | -% |
2023-09-12 | Farther Finance Advisors, LLC | sold off | -100 | -1,157 | - | -% |
2023-08-28 | DT Investment Partners, LLC | unchanged | - | -1,232 | 22,680 | -% |
2023-08-24 | Alberta Investment Management Corp | added | 3.21 | -550,819 | 5,429,060 | 0.05% |
2023-08-22 | COMERICA BANK | new | - | 97,000 | 97,000 | 0.01% |
2023-08-22 | Asset Dedication, LLC | new | - | 15,000 | 15,000 | -% |
2023-08-21 | CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | reduced | -2.53 | -820,336 | 4,931,840 | 0.01% |
2023-08-21 | TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY | added | 10.1 | -23,000 | 722,000 | 0.01% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
Schedule 13G FIlings of Hanover Insurance Group
| Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
|---|---|---|---|---|---|
| Feb 09, 2023 | vanguard group inc | 10.44% | 3,712,029 | SC 13G/A | |
| Jan 24, 2023 | blackrock inc. | 9.4% | 3,337,724 | SC 13G/A | |
| Feb 10, 2022 | vanguard group inc | 10.36% | 3,687,024 | SC 13G/A | |
| Feb 01, 2022 | blackrock inc. | 9.0% | 3,185,224 | SC 13G/A | |
| Feb 10, 2021 | vanguard group inc | 10.05% | 3,743,358 | SC 13G/A | |
| Jan 29, 2021 | blackrock inc. | 8.6% | 3,219,346 | SC 13G/A | |
| Feb 12, 2020 | vanguard group inc | 11.21% | 4,416,584 | SC 13G/A | |
| Feb 05, 2020 | blackrock inc. | 9.3% | 3,668,766 | SC 13G |
Recent SEC filings of Hanover Insurance Group
View All Filings| Date Filed | Form Type | Document | |
|---|---|---|---|
| Sep 21, 2023 | 8-K | Current Report | |
| Aug 10, 2023 | 13F-NT | 13F-NT | |
| Aug 08, 2023 | 4 | Insider Trading | |
| Aug 04, 2023 | 10-Q | Quarterly Report | |
| Aug 02, 2023 | 8-K | Current Report | |
| Jul 21, 2023 | 8-K | Current Report | |
| Jul 20, 2023 | 8-K | Current Report | |
| Jul 03, 2023 | 4 | Insider Trading | |
| Jul 03, 2023 | 4 | Insider Trading | |
| Jul 03, 2023 | 4 | Insider Trading |
THG Fair Value
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Peers (Alternatives to Hanover Insurance Group)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
PGR | 83.8B | 55.3B | 9.87% | 17.02% | 48.05 | 1.51 | 11.39% | 104.72% |
AIG | 44.7B | 50.4B | 6.87% | 21.67% | 9.92 | 0.89 | -9.25% | -63.51% |
ALL | 29.9B | 54.6B | 8.02% | -9.66% | -11.17 | 0.55 | 9.14% | -383.17% |
AFG | 9.6B | 7.5B | -0.38% | -4.31% | 11.27 | 1.28 | 12.86% | -17.26% |
HIG | - | 23.6B | 2.33% | 16.97% | - | - | 5.78% | -4.19% |
TRV | 38.4B | 38.7B | 4.29% | 8.00% | 17.2 | 0.99 | 8.33% | -37.32% |
RE | 25.2B | 13.3B | 0.67% | 24.34% | 20.79 | 1.9 | 12.64% | 55.58% |
| MID-CAP | ||||||||
ESGR | 3.9B | 1.3B | -2.43% | 27.00% | 14.11 | 3.01 | 41.34% | 137.60% |
RNR | 10.4B | 7.4B | 11.61% | 46.43% | 25.13 | 1.39 | 62.27% | 144.80% |
| SMALL-CAP | ||||||||
PLMR | 1.3B | 348.9M | 1.26% | -38.66% | 22.1 | 3.67 | 16.85% | 25.90% |
HMN | 1.2B | 1.4B | 6.41% | -18.68% | -113.69 | 0.88 | 3.44% | -114.81% |
PRA | 1.0B | 1.1B | 8.32% | -8.43% | 110.3 | 0.9 | -2.53% | -76.30% |
JRVR | 586.9M | 901.0M | 5.12% | -34.78% | 12.65 | 0.65 | 14.76% | 164.17% |
Hanover Insurance Group News
Returns for THG
Cumulative Returns on THG
10.1%
10-Year Cumulative Returns
8.7%
7-Year Cumulative Returns
1.7%
5-Year Cumulative Returns
8.1%
3-Year Cumulative Returns
Risks for THG
What is the probability of a big loss on THG?
27.3%
Probability that Hanover Insurance Group stock will be more than 20% underwater in next one year
18.5%
Probability that Hanover Insurance Group stock will be more than 30% underwater in next one year.
0%
Probability that Hanover Insurance Group stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.
How does THG drawdown profile look like?
Y-axis is the maximum loss one would have experienced if Hanover Insurance Group was unfortunately bought at previous high price.
Drawdowns
Financials for Hanover Insurance Group
Income Statement (Last 12 Months)(In Millions)
| Income Statement (Last 12 Months) | (In Millions) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Revenue | 3.8% | 5,793 | 5,582 | 5,469 | 5,368 | 5,277 | 5,276 | 5,228 | 5,146 | 5,121 | 5,053 | 4,827 | 4,788 | 4,753 | 4,727 | 4,891 | 4,736 | 4,688 | 4,622 | 4,494 | 4,484 | 4,403 |
| EBITDA | -100.0% | - | 42.00 | 191 | 412 | 454 | 588 | 572 | 574 | 682 | 666 | 500 | 428 | 410 | 377 | 581 | - | - | - | - | - | - |
| EBITDA Margin | -100.0% | - | 0.01* | 0.03* | 0.08* | 0.09* | 0.11* | 0.11* | 0.11* | 0.13* | 0.13* | 0.10* | 0.09* | 0.09* | 0.08* | 0.12* | - | - | - | - | - | - |
| Interest Expenses | 0.3% | 34.00 | 34.00 | 34.00 | 34.00 | 34.00 | 34.00 | 34.00 | 34.00 | 35.00 | 36.00 | 37.00 | 38.00 | 38.00 | 38.00 | 38.00 | 39.00 | 41.00 | 43.00 | 45.00 | 45.00 | 45.00 |
| Earnings Before Taxes | -3397.1% | -122 | -3.50 | 144 | 364 | 406 | 537 | 521 | 524 | 630 | 613 | 445 | 371 | 353 | 320 | 522 | 390 | 382 | 372 | 283 | 377 | 337 |
| EBT Margin | 100.0% | - | 0.00* | 0.03* | 0.07* | 0.08* | 0.10* | 0.10* | 0.10* | 0.12* | 0.12* | 0.09* | 0.08* | 0.07* | 0.07* | 0.11* | - | - | - | - | - | - |
| Net Income | -13128.6% | -92.60 | -0.70 | 116 | 291 | 325 | 431 | 419 | 420 | 505 | 491 | 359 | 304 | 304 | 263 | 425 | 439 | 420 | 446 | 391 | 319 | 230 |
| Net Income Margin | 100.0% | - | 0.00* | 0.02* | 0.05* | 0.06* | 0.08* | 0.08* | 0.08* | 0.10* | 0.10* | 0.07* | 0.06* | 0.06* | 0.06* | 0.09* | - | - | - | - | - | - |
| Free Cashflow | -100.0% | - | 524 | 705 | 736 | 709 | 871 | 816 | 748 | 780 | 799 | 693 | 710 | 664 | 590 | 590 | - | - | - | - | - | - |
Balance Sheet(In Millions)
| Balance Sheet | (In Millions) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Assets | 0.7% | 14,187 | 14,092 | 13,995 | 13,746 | 13,601 | 13,847 | 14,254 | 14,105 | 13,728 | 13,448 | 13,444 | 13,394 | 12,839 | 12,277 | 12,491 | 12,627 | 12,160 | 11,983 | 12,400 | 15,624 | 15,404 |
| Cash Equivalents | -7.7% | 168 | 182 | 305 | 165 | 146 | 272 | 231 | 171 | 106 | 112 | 121 | 232 | 183 | 144 | 216 | 158 | 180 | 169 | 1,021 | 118 | 245 |
| Goodwill | 0% | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 179 | 192 |
| Liabilities | 2.1% | 11,949 | 11,703 | 11,661 | 11,450 | 11,029 | 11,014 | 11,109 | 11,003 | 10,574 | 10,401 | 10,242 | 10,239 | 9,767 | 9,541 | 9,574 | 9,540 | 9,219 | 9,056 | 9,445 | 12,642 | 12,464 |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 653 | 653 | 778 | 778 | 787 |
| Shareholder's Equity | -6.3% | 2,238 | 2,389 | 2,334 | 2,296 | 2,576 | 2,831 | 3,145 | 3,102 | 3,154 | 3,047 | 3,202 | 3,155 | 3,072 | 2,737 | 2,916 | 3,087 | 2,941 | 2,927 | 2,955 | 2,982 | 2,940 |
| Retained Earnings | -3.3% | 2,853 | 2,952 | 2,993 | 3,030 | 3,057 | 3,061 | 2,983 | 2,847 | 2,838 | 2,735 | 2,668 | 2,529 | 2,435 | 2,345 | 2,411 | 2,423 | 2,328 | 2,279 | 2,182 | 2,278 | 2,200 |
| Additional Paid-In Capital | 0.5% | 1,923 | 1,914 | 1,913 | 1,905 | 1,897 | 1,888 | 1,887 | 1,881 | 1,873 | 1,864 | 1,857 | 1,872 | 1,867 | 1,862 | 1,837 | 1,837 | 1,833 | 1,822 | 1,872 | 1,869 | 1,864 |
| Shares Outstanding | 0.3% | 36.00 | 36.00 | - | 36.00 | 36.00 | 36.00 | - | 36.00 | 36.00 | 36.00 | - | 38.00 | 38.00 | 38.00 | - | 40.00 | 41.00 | 41.00 | - | 43.00 | 43.00 |
Cashflow (Last 12 Months)(In Millions)
| Cashflow (Last 12 Months) | (In Millions) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Cashflow From Operations | 3.3% | 558 | 540 | 722 | 752 | 723 | 882 | 824 | 756 | 791 | 813 | 708 | 726 | 678 | 602 | 603 | 509 | 522 | 557 | 551 | 639 | 634 |
| Share Based Compensation | 2.7% | 30.00 | 29.00 | 29.00 | 28.00 | 26.00 | 24.00 | 23.00 | 23.00 | 22.00 | 21.00 | 20.00 | 19.00 | 18.00 | 18.00 | 17.00 | 14.00 | 14.00 | 15.00 | 13.00 | 13.00 | 13.00 |
| Cashflow From Investing | 18.7% | -408 | -501 | -507 | -598 | -517 | -493 | -460 | -466 | -612 | -587 | -608 | -287 | -253 | -132 | -311 | 232 | 290 | 136 | 271 | -472 | -594 |
| Cashflow From Financing | 0.5% | -128 | -128 | -140 | -159 | -166 | -228 | -253 | -350 | -254 | -257 | -193 | -364 | -422 | -497 | -1,099 | -832 | -874 | -774 | -171 | -143 | -121 |
| Dividend Payments | 2.1% | 113 | 111 | 109 | 107 | 105 | 103 | 102 | 101 | 101 | 100 | 100 | 195 | 194 | 194 | 386 | 291 | 290 | 288 | 94.00 | 92.00 | 90.00 |
| Buy Backs | -28.3% | 10.00 | 15.00 | 31.00 | 51.00 | 64.00 | 134 | 163 | 261 | 282 | 223 | 213 | 258 | 213 | 349 | 564 | 414 | 432 | 294 | 58.00 | 44.00 | 35.00 |
THG Income Statement
2023-06-30Consolidated Statements of Income (Loss) - USD ($) shares in Millions, $ in Millions | 3 Months Ended | 6 Months Ended | ||
|---|---|---|---|---|
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022 | |
| Revenues | ||||
| Premiums | $ 1,411.7 | $ 1,293.8 | $ 2,791.7 | $ 2,557.6 |
| Net investment income | 87.6 | 70.5 | 166.3 | 147.4 |
| Net realized and unrealized investment gains (losses): | ||||
| Net realized gains (losses) from sales and other | 0.1 | (19.2) | (1.0) | (16.2) |
| Net change in fair value of equity securities | (1.1) | (59.0) | (8.2) | (77.0) |
| Impairments on investments: | ||||
| Credit-related recoveries (impairments) | (1.7) | 0.5 | (6.2) | (0.1) |
| Losses on intent to sell securities | (0.2) | (10.3) | (0.5) | |
| Impairments on investments | (1.7) | 0.3 | (16.5) | (0.6) |
| Total net realized and unrealized investment losses | (2.7) | (77.9) | (25.7) | (93.8) |
| Fees and other income | 7.8 | 6.5 | 15.8 | 12.4 |
| Total revenues | 1,504.4 | 1,292.9 | 2,948.1 | 2,623.6 |
| Losses and expenses | ||||
| Losses and loss adjustment expenses | 1,139.9 | 845.5 | 2,157.3 | 1,633.0 |
| Amortization of deferred acquisition costs | 292.7 | 269.3 | 581.5 | 532.2 |
| Interest expense | 8.6 | 8.5 | 17.1 | 17.0 |
| Other operating expenses | 153.9 | 141.4 | 300.4 | 283.2 |
| Total losses and expenses | 1,595.1 | 1,264.7 | 3,056.3 | 2,465.4 |
| Income (loss) from continuing operations before income taxes | (90.7) | 28.2 | (108.2) | 158.2 |
| Income tax expense (benefit): | ||||
| Current | (14.8) | 29.4 | (12.6) | 59.6 |
| Deferred | (5.9) | (24.0) | (13.6) | (29.5) |
| Total income tax expense (benefit) | (20.7) | 5.4 | (26.2) | 30.1 |
| Income (loss) from continuing operations | (70.0) | 22.8 | (82.0) | 128.1 |
| Discontinued operations (net of taxes): | ||||
| Net income (loss) | $ (69.2) | $ 22.7 | $ (81.2) | $ 127.6 |
| Basic: | ||||
| Income (loss) from continuing operations | $ (1.96) | $ 0.64 | $ (2.30) | $ 3.60 |
| Net income (loss) per share | $ (1.94) | $ 0.64 | $ (2.27) | $ 3.59 |
| Weighted average shares outstanding | 35.7 | 35.6 | 35.7 | 35.6 |
| Diluted: | ||||
| Income (loss) from continuing operations | $ (1.96) | $ 0.63 | $ (2.30) | $ 3.55 |
| Net income (loss) per share | $ (1.94) | $ 0.63 | $ (2.27) | $ 3.53 |
| Weighted average shares outstanding | 35.7 | 36.1 | 35.7 | 36.1 |
| Life [Member] | ||||
| Discontinued operations (net of taxes): | ||||
| Income (loss) from discontinued businesses | $ (0.1) | $ (0.5) | ||
| Basic: | ||||
| Income (loss) from discontinued businesses, Basic | $ (0.01) | |||
| Diluted: | ||||
| Income (loss) from discontinued businesses, Diluted | $ (0.02) | |||
| Chaucer [Member] | ||||
| Discontinued operations (net of taxes): | ||||
| Income (loss) from discontinued businesses | $ 0.8 | $ 0.8 | ||
| Basic: | ||||
| Income (loss) from discontinued businesses, Basic | $ 0.02 | $ 0.03 | ||
| Diluted: | ||||
| Income (loss) from discontinued businesses, Diluted | $ 0.02 | $ 0.03 | ||
THG Balance Sheet
2023-06-30Consolidated Balance Sheets - USD ($) $ in Millions | Jun. 30, 2023 | Dec. 31, 2022 |
|---|---|---|
| Assets | ||
| Fixed maturities, at fair value (amortized cost of $8,375.5 and $8,294.5) | $ 7,598.0 | $ 7,481.8 |
| Equity securities, at fair value | 232.7 | 241.9 |
| Other investments | 809.7 | 786.1 |
| Total investments | 8,640.4 | 8,509.8 |
| Cash and cash equivalents | 167.6 | 305.0 |
| Accrued investment income | 55.5 | 54.5 |
| Premiums and accounts receivable, net | 1,673.8 | 1,601.4 |
| Reinsurance recoverable on paid and unpaid losses and unearned premiums | 1,997.3 | 1,964.5 |
| Deferred acquisition costs | 606.4 | 604.8 |
| Deferred income tax asset | 203.7 | 199.2 |
| Goodwill | 178.8 | 178.8 |
| Other assets | 577.4 | 493.0 |
| Assets of discontinued businesses | 85.8 | 84.1 |
| Total assets | 14,186.7 | 13,995.1 |
| Liabilities | ||
| Loss and loss adjustment expense reserves | 7,313.3 | 7,012.6 |
| Unearned premiums | 3,020.8 | 2,954.2 |
| Expenses and taxes payable | 651.7 | 731.7 |
| Reinsurance premiums payable | 69.5 | 70.3 |
| Debt | 782.8 | 782.4 |
| Liabilities of discontinued businesses | 110.7 | 110.2 |
| Total liabilities | 11,948.8 | 11,661.4 |
| Commitments and contingencies | ||
| Shareholders’ Equity | ||
| Preferred stock, par value $0.01 per share; 20.0 million shares authorized; none issued | ||
| Common stock, par value $0.01 per share; 300.0 million shares authorized; 60.5 million shares issued | 0.6 | 0.6 |
| Additional paid-in capital | 1,923.0 | 1,913.1 |
| Accumulated other comprehensive loss | (670.9) | (701.5) |
| Retained earnings | 2,853.0 | 2,992.9 |
| Treasury stock at cost (24.7 million and 24.9 million shares) | (1,867.8) | (1,871.4) |
| Total shareholders’ equity | 2,237.9 | 2,333.7 |
| Total liabilities and shareholders’ equity | $ 14,186.7 | $ 13,995.1 |
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.