THG Stock Price, Hanover Insurance Group -The Quote, Chart

Market Summary

USD127.22+0.61

Market Closed

0.48%

THG Stock Price

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THG RSI Chart

THG Valuation

Market Cap

4.6B

Price/Earnings (Trailing)

129.1

Price/Sales (Trailing)

0.76

EV/EBITDA

52.04

Price/Free Cashflow

13.03

THG Price/Sales (Trailing)

THG Profitability

EBT Margin

0.69%

Return on Equity

1.43%

Return on Assets

0.24%

Free Cashflow Yield

7.68%

THG Fundamentals

THG Revenue

Revenue (TTM)

6.0B

Rev. Growth (Yr)

3.39%

Rev. Growth (Qtr)

0.8%

THG Earnings

Earnings (TTM)

35.3M

Earnings Growth (Yr)

991.74%

Earnings Growth (Qtr)

1.2K%

Breaking Down THG Revenue

Last 7 days

-0.7%

Last 30 days

0.2%

Last 90 days

-1.2%

Trailing 12 Months

-1.2%

How does THG drawdown profile look like?

THG Financial Health

Debt/Equity

0.26

Debt/Cashflow

0.55

THG Investor Care

Shares Dilution (1Y)

0.61%

Diluted EPS (TTM)

0.98

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	5.6B	5.8B	5.9B	6.0B
2022	5.3B	5.3B	5.4B	5.5B
2021	5.1B	5.1B	5.1B	5.2B
2020	4.7B	4.8B	4.8B	4.8B
2019	4.6B	4.7B	4.7B	4.9B
2018	4.3B	4.4B	4.5B	4.5B
2017	4.8B	4.6B	4.4B	4.3B
2016	5.0B	4.9B	4.9B	4.9B
2015	5.1B	5.1B	5.1B	5.0B
2014	4.9B	4.9B	5.0B	5.1B
2013	4.6B	4.7B	4.7B	4.8B
2012	4.2B	4.5B	4.5B	4.6B
2011	3.2B	3.3B	3.6B	3.9B
2010	2.9B	3.0B	3.0B	3.2B
2009	0	2.7B	2.8B	2.8B
2008	0	0	0	2.7B

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

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Tracking the Latest Insider Buys and Sells of Hanover Insurance Group Inc-The

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 28, 2024	kerrigan dennis francis	acquired	-	-	20.905	executive vice president
Mar 28, 2024	lavey richard w	acquired	-	-	34.831	executive vice president
Mar 28, 2024	lowsley denise	acquired	-	-	13.94	executive vice president
Mar 28, 2024	lee willard t	acquired	-	-	13.651	executive vice president
Mar 28, 2024	farber jeffrey m	acquired	-	-	60.953	executive vice president
Mar 28, 2024	roche john c	acquired	-	-	153	president and ceo
Mar 28, 2024	salvatore bryan j	acquired	-	-	31.354	executive vice president
Mar 28, 2024	barnes warren e.	acquired	-	-	12.402	svp & princpl. accntg. officer
Mar 28, 2024	lovely david john	acquired	-	-	8.95	executive vice president
Feb 27, 2024	kerrigan dennis francis	acquired	-	-	1,211	executive vice president

Which funds bought or sold THG recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 17, 2024	NEW MEXICO EDUCATIONAL RETIREMENT BOARD	added	2.74	235,000	1,121,000	0.04%
Apr 17, 2024	GRIMES & COMPANY, INC.	added	0.49	31,121	276,496	0.01%
Apr 15, 2024	JANICZEK WEALTH MANAGEMENT, LLC	unchanged	-	1,077	9,941	-%
Apr 15, 2024	WEALTH ENHANCEMENT ADVISORY SERVICES, LLC	added	0.12	61,200	559,386	-%
Apr 15, 2024	Sound Income Strategies, LLC	unchanged	-	2,950	27,234	-%
Apr 15, 2024	EXCHANGE TRADED CONCEPTS, LLC	reduced	-10.93	-726	646,807	0.02%
Apr 12, 2024	NORTHWEST INVESTMENT COUNSELORS, LLC	new	-	9,532	9,532	-%
Apr 12, 2024	AdvisorNet Financial, Inc	unchanged	-	1,357	12,528	-%
Apr 12, 2024	Riverview Trust Co	new	-	31,047	31,047	0.02%
Apr 11, 2024	CONGRESS ASSET MANAGEMENT CO /MA	added	1.24	480,145	4,026,390	0.03%

Are Funds Buying or Selling THG?

Are funds buying THG calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own THG

No. of Funds

Unveiling Hanover Insurance Group Inc-The's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	10.13%	3,623,766	SC 13G/A
Jan 24, 2024	blackrock inc.	9.2%	3,291,658	SC 13G/A
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 Inc-The

View All Filings

Date Filed	Form Type	Document
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Mar 28, 2024	ARS	ARS

Peers (Alternatives to Hanover Insurance Group Inc-The)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
ARGO	1.0T	1.2B	-2.54%	3165.31%	-4.8K	765.85	-10.27%	-34.69%
AJG	50.7B	10.1B	-7.85%	14.59%	52.27	5.04	17.79%	-12.97%
AIG	49.7B	46.8B	-3.32%	37.26%	13.64	1.06	-14.05%	-64.38%
TRV	48.2B	42.9B	-5.88%	15.29%	15.36	1.12	13.52%	12.15%
AFL	46.7B	18.7B	-3.98%	20.97%	10.03	2.5	-2.30%	5.45%
ACGL	34.2B	13.6B	-0.31%	26.70%	7.7	2.51	41.83%	201.02%
AFG	10.5B	7.8B	-4.69%	1.23%	12.32	1.34	11.18%	-5.12%
MID-CAP
UNM	9.7B	12.4B	-3.09%	22.57%	7.58	0.79	3.35%	-8.77%
AIZ	8.9B	11.1B	-4.72%	43.63%	13.82	0.8	9.21%	132.28%
LNC	4.6B	11.6B	-0.26%	24.04%	-6.15	0.4	-38.09%	-155.38%
AEL	4.4B	2.8B	-1.66%	43.84%	20.8	1.54	100.59%	-89.04%
SMALL-CAP
BRP	1.6B	1.2B	-9.70%	5.89%	-17.88	1.32	24.25%	-115.79%
AMSF	955.4M	306.9M	-1.13%	-4.68%	15.38	3.11	4.11%	11.70%
AMBC	633.6M	269.0M	-4.82%	-7.03%	140.81	2.36	-46.68%	-99.14%
AAME	40.2M	186.8M	-29.64%	-14.72%	-235.04	0.22	-0.56%	-111.21%

Hanover Insurance Group Inc-The News

Latest updates

Hanover Insurance Group Inc-The Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	0.8%	1,529	1,517	1,504	1,444	1,479	1,366	1,293	1,331	1,379	1,275	1,292	1,282	1,297	1,250	1,224	1,056	1,258	1,215	1,199	1,220	1,103
EBITDA Margin	199.5%	0.01*	-0.01*	-0.01*	0.01*	0.03*	0.08*	0.09*	0.11*	0.11*	0.11*	0.13*	0.13*	-	-	-	-	-	-	-	-	-
Interest Expenses	0%	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	10.00	9.00	9.00	9.00	9.00	9.00	9.00	11.00
Income Taxes	571.4%	43.00	-9.10	-20.70	-5.50	-2.80	-0.10	5.00	25.00	42.00	8.00	30.00	21.00	41.00	29.00	28.00	-15.20	23.00	19.00	25.00	26.00	-1.00
Earnings Before Taxes	16788.9%	150	-0.90	-90.70	-17.50	-14.70	1.00	28.00	130	205	43.00	160	114	207	149	143	-53.90	133	130	110	149	1.00
EBT Margin	132.9%	0.01*	-0.02*	-0.02*	0.00*	0.03*	0.07*	0.08*	0.10*	0.10*	0.10*	0.12*	0.12*	-	-	-	-	-	-	-	-	-
Net Income	1154.7%	108	9.00	-69.20	-12.00	-12.10	1.00	23.00	105	168	34.00	129	93.00	165	119	115	-40.00	110	119	74.00	122	124
Net Income Margin	141.3%	0.01*	-0.01*	-0.02*	0.00*	0.02*	0.05*	0.06*	0.08*	0.08*	0.08*	0.10*	0.10*	-	-	-	-	-	-	-	-	-
Free Cashflow	-59.2%	91.00	222	23.00	15.00	195	311	4.00	195	226	284	166	140	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	2.1%	14,613	14,315	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
Cash Equivalents	7.3%	316	295	168	182	305	165	146	272	231	171	106	112	121	232	183	144	216	158	180	169	1,021
Goodwill	0%	179	179	179	179	179	179	179	179	179	179	179	179	179	179	179	179	179	179	179	179	179
Liabilities	-0.4%	12,147	12,199	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
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	653	653	778
Shareholder's Equity	16.5%	2,466	2,116	3.00	1,914	2,334	2,305	1.00	1,888	3,136	3,102	1,873	3,047	1.00	3,155	1,867	2,737	2,916	3,087	2,941	2,927	1.00
Retained Earnings	2.7%	2,909	2,832	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
Additional Paid-In Capital	0.4%	1,939	1,931	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
Shares Outstanding	0%	36.00	36.00	36.00	36.00	36.00	36.00	36.00	36.00	36.00	36.00	36.00	36.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	4,009	-	-	-	5,167	-	-	-	4,816	-	-	-	3,814	-	-	-	5,043	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-58.7%	92,700	224,700	26,200	18,100	198,500	315,100	8,600	200,100	228,300	286,400	167,200	141,800	161,000	320,800	189,200	36,600	179,000	273,300	113,400	37,200	84,900
Share Based Compensation	-16.3%	7,200	8,600	8,200	7,100	7,200	7,700	7,400	6,700	6,100	5,800	5,400	5,600	5,700	4,900	4,500	5,000	4,700	4,100	4,400	4,200	1,300
Cashflow From Investing	38.5%	-42,100	-68,400	-11,500	-106,500	-31,400	-258,600	-105,400	-112,200	-122,500	-177,100	-82,000	-78,600	-128,500	-323,600	-56,800	-99,900	193,300	-289,800	63,900	-279,300	736,800
Cashflow From Financing	1.4%	-29,000	-29,400	-28,600	-35,100	-26,900	-37,600	-29,300	-46,800	-46,100	-44,500	-90,900	-71,700	-143,400	51,700	-93,700	-8,500	-314,200	-5,700	-168,800	-610,600	-47,500
Dividend Payments	4.5%	30,300	29,000	29,000	28,900	28,800	26,700	26,700	26,700	26,600	25,000	25,100	25,500	25,500	24,500	24,700	24,800	120,900	23,800	24,500	217,000	25,400
Buy Backs	-	-	-	-	-	-	10,400	4,100	16,300	20,000	24,000	73,300	45,300	118,500	45,000	14,400	34,900	163,600	-	150,000	250,000	13,500

THG Income Statement

2023-12-31

Consolidated Statements of Income - USD ($) shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Revenues
Premiums	$ 5,663.1	$ 5,252.3	$ 4,770.2
Net investment income	332.1	296.3	310.7
Net realized and unrealized investment gains (losses):
Net realized gains (losses) from sales and other	(8.9)	(26.5)	4.6
Net change in fair value of equity securities	(5.6)	(63.3)	119.1
Recoveries (Impairments) on Investments [Abstract]
Credit-related recoveries (impairments)	(7.7)	(1.9)	0.3
Losses on intent to sell securities	(10.3)	(14.8)	(1.0)
Recoveries (impairments) on investments	(18.0)	(16.7)	(0.7)
Total net realized and unrealized investment gains (losses)	(32.5)	(106.5)	123.0
Fees and other income	30.8	26.5	23.9
Total revenues	5,993.5	5,468.6	5,227.8
Losses and expenses
Losses and loss adjustment expenses	4,134.6	3,623.4	3,134.2
Amortization of deferred acquisition costs	1,176.0	1,093.2	982.7
Interest expense	34.1	34.1	34.0
Other operating expenses	607.7	573.9	555.6
Total losses and expenses	5,952.4	5,324.6	4,706.5
Income from continuing operations before income taxes	41.1	144.0	521.3
Income tax expense (benefit):
Current	32.6	73.7	77.5
Deferred	(25.0)	(46.5)	23.8
Total income tax expense	7.6	27.2	101.3
Income from continuing operations	33.5	116.8	420.0
Discontinued operations:
Net income	$ 35.3	$ 116.0	$ 422.8
Basic:
Income from continuing operations	$ 0.94	$ 3.28	$ 11.70
Net income per share	$ 0.99	$ 3.26	$ 11.78
Weighted average shares outstanding	35.7	35.6	35.9
Diluted:
Income from continuing operations	$ 0.93	$ 3.23	$ 11.52
Net income per share	$ 0.98	$ 3.21	$ 11.6
Weighted average shares outstanding	36.1	36.1	36.4
Chaucer [Member]
Discontinued operations:
Income (loss) from discontinued businesses, net of taxes	$ 1.2		$ 1.2
Basic:
Income (loss) from discontinued businesses, net of taxes	$ 0.03		$ 0.03
Diluted:
Income (loss) from discontinued businesses, net of taxes	$ 0.03		$ 0.03
Life [Member]
Discontinued operations:
Income (loss) from discontinued businesses, net of taxes	$ 0.6	$ (0.8)	$ 1.6
Basic:
Income (loss) from discontinued businesses, net of taxes	$ 0.02	$ (0.02)	$ 0.05
Diluted:
Income (loss) from discontinued businesses, net of taxes	$ 0.02	$ (0.02)	$ 0.05

THG Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Assets
Fixed maturities, at fair value (amortized cost of $8,573.9 and $8,294.5)	$ 7,985.3	$ 7,481.8
Equity securities, at fair value	130.9	241.9
Other investments	796.9	786.1
Total investments	8,913.1	8,509.8
Cash and cash equivalents	316.1	305.0
Accrued investment income	58.2	54.5
Premiums and accounts receivable, net	1,705.6	1,601.4
Reinsurance recoverable on paid and unpaid losses and unearned premiums	2,056.1	1,964.5
Deferred acquisition costs	620.8	604.8
Deferred income tax asset	173.3	199.2
Goodwill	178.8	178.8
Other assets	504.0	493.0
Assets of discontinued businesses	86.6	84.1
Total assets	14,612.6	13,995.1
Liabilities
Loss and loss adjustment expense reserves	7,308.1	7,012.6
Unearned premiums	3,102.5	2,954.2
Expenses and taxes payable	775.9	731.7
Reinsurance premiums payable	64.3	70.3
Debt	783.2	782.4
Liabilities of discontinued businesses	113.0	110.2
Total liabilities	12,147.0	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	1,939.2	1,913.1
Accumulated other comprehensive loss	(517.2)	(701.5)
Retained earnings	2,909.4	2,992.9
Treasury stock at cost (24.7 and 24.9 million shares)	(1,866.4)	(1,871.4)
Total shareholders’ equity	2,465.6	2,333.7
Total liabilities and shareholders’ equity	$ 14,612.6	$ 13,995.1

About Hanover Insurance Group Inc-The

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 four segments: Core Commercial, Specialty, Personal Lines, and Other. The Commercial Lines segment offers commercial multiple peril, commercial automobile, workers' compensation, and other commercial lines coverage. The Specialty segment provides professional and executive Lines, marine, and surety and other, as well as specialty P&C, such as program business, specialty industrial and commercial property, excess and surplus lines, and specialty general liability coverage. The Personal Lines segment offers 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.

CEO	Mr. John Conner Roche
WEBSITE	hanover.com
INDUSTRY	Insurance Property & Casualty
EMPLOYEES	4600

Hanover Insurance Group Inc-The Frequently Asked Questions

What is the ticker symbol for Hanover Insurance Group Inc-The? What does THG stand for in stocks?

THG is the stock ticker symbol of Hanover Insurance Group Inc-The. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Hanover Insurance Group Inc-The (THG)?

As of Thu Apr 18 2024, market cap of Hanover Insurance Group Inc-The is 4.56 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of THG stock?

You can check THG's fair value in chart for subscribers.

What is the fair value of THG stock?

You can check THG's fair value in chart for subscribers. The fair value of Hanover Insurance Group Inc-The is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Hanover Insurance Group Inc-The is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for THG so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Hanover Insurance Group Inc-The a good stock to buy?

The fair value guage provides a quick view whether THG is over valued or under valued. Whether Hanover Insurance Group Inc-The is cheap or expensive depends on the assumptions which impact Hanover Insurance Group Inc-The's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for THG.

What is Hanover Insurance Group Inc-The's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu Apr 18 2024, THG's PE ratio (Price to Earnings) is 129.1 and Price to Sales (PS) ratio is 0.76. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. THG PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Hanover Insurance Group Inc-The's stock?

In the past 10 years, Hanover Insurance Group Inc-The has provided 0.107 (multiply by 100 for percentage) rate of return.