The Hanover Insurance Group, Inc.(THG) Stock Research - Grey Stern Research
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The Hanover Insurance Group, Inc. (THG) Stock Analysis

$162.87 (0.74%)

THG Financial Performance


Use the table below to view The Hanover Insurance Group, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q4 - 2024

Metric Value Ranking among Peers
Price $161.67 -
52 Week Low $119.66 -
52 Week High $176.16 -
Market Cap $5.8 Billion 7/15
Gross Margin 100% 1/15
Profit Margin 11% 7/15
EBITDA margin 14% 7/15
Q4 - 2024 Revenue $1.6 Billion 6/15
Q4 - 2024 Earnings $167.9 Million 5/15
Q4 - 2024 Free Cash Flow $210.5 Million 8/15
Trailing 4 Quarters Revenue $6.2 Billion 6/15
Trailing 4 Quarters Earnings $426.0 Million 6/15
Quarterly Earnings Growth 56% 4/15
Annual Earnings Growth 219% 3/15
Quarterly Revenue Growth 3% 9/15
Annual Revenue Growth 2% 10/15
Cash On Hand $435.5 Million 4/15
Short Term Debt $61.8 Million 4/15
Long Term Debt $722.3 Million 6/15

The Hanover Insurance Group, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare The Hanover Insurance Group, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 13.68 7/15
PS 0.94 8/15
PB 2.05 5/15
PC 13.38 10/15
Liabilities to Equity 4.37 3/15
ROA 0.03 6/15
ROE 0.15 4/15
Current Ratio 1.23 11/15
Quick Ratio 0.16 7/15
Long Term Debt to Equity 0.25 6/15
Debt to Equity 0.28 4/15
Burn Rate -3.52 14/15
Cash to Cap 0.07 4/15
CCR 1.25 7/15
EV to EBITDA 28.15 9/15
EV to Revenue 0.99 10/15

Company Details

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.

CEO: Mr. John Roche

Website: https://www.hanover.com

Address: 440 LINCOLN ST Worcester Massachusetts, MASSACHUSETTS

Exchange: New York Stock Exchange

Industry: Insurance—Property & Casualty

The Hanover Insurance Group, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to The Hanover Insurance Group, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
The Progressive Corporation PGR $155.4 Billion
Chubb Limited CB $111.8 Billion
The Allstate Corporation ALL $51.1 Billion
The Travelers Companies, Inc. TRV $58.7 Billion
Kemper Corporation KMPR $3.7 Billion
RLI Corp. RLI $6.7 Billion
Selective Insurance Group, Inc. SIGI $5.3 Billion
Horace Mann Educators Corporation HMN $1.7 Billion
Donegal Group Inc. DGICA $671.6 Million
CNA Financial Corporation CNA $12.8 Billion
White Mountains Insurance Group, Ltd. WTM $4.5 Billion
Global Indemnity Group, LLC GBLI $409.8 Million
NI Holdings, Inc. NODK $261.8 Million
Donegal Group Inc. DGICB $689.2 Million
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Income Statement
Balance Sheet
Cash Flow Statement
THG Income Statements
Quarter Year Revenue Earnings
Q4 2024 $ 1.6 Billion $167.9 Million
Q3 2024 $ 1.6 Billion $102.1 Million
Q2 2024 $ 1.5 Billion $40.5 Million
Q1 2024 $ 1.6 Billion $115.5 Million
Q4 2023 $ 1.5 Billion $107.9 Million
Q3 2023 $ 1.5 Billion $8.6 Million
Q2 2023 $ 1.5 Billion -$69.2 Million
Q1 2023 $ 1.4 Billion -$12.0 Million

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THG Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q4 2024 $435.5 Million $15.3 Billion $784.1 Million $2.8 Billion
Q3 2024 $427.1 Million $15.4 Billion $783.9 Million $2.9 Billion
Q2 2024 $337.6 Million $12.8 Billion $783.7 Million $2.6 Billion
Q1 2024 $264.6 Million $12.6 Billion $783.4 Million $2.5 Billion
Q4 2023 $316.1 Million $12.6 Billion $783.2 Million $0
Q3 2023 $294.5 Million $14.3 Billion $783.0 Million $2.1 Billion
Q2 2023 $167.6 Million $14.2 Billion $782.8 Million $2.2 Billion
Q1 2023 $181.5 Million $14.1 Billion $782.6 Million $2.4 Billion

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THG Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q4 2024 $210.5 Million -$3.0 Million $8.4 Million
Q3 2024 $392.3 Million -$2.4 Million $89.5 Million
Q2 2024 $137.3 Million -$2.2 Million $73.0 Million
Q1 2024 $56.1 Million -$2.6 Million -$51.5 Million
Q4 2023 $0 $0 $21.6 Million
Q3 2023 $0 $0 $0
Q2 2023 $0 $0 $0
Q1 2023 $14.6 Million -$3.5 Million -$123.5 Million

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