Price Alert

Hanover Insurance Group I... (THG)

NYSE: THG · Real-Time Price · USD

179.51

3.74 (2.13%)

At close: Sep 26, 2025, 3:59 PM

179.83

0.18%

After-hours: Sep 26, 2025, 07:25 PM EDT

Hanover Insurance Statistics

Share Statistics

Hanover Insurance has 35.77M shares outstanding. The number of shares has increased by -0.19% in one year.

Shares Outstanding	35.77M
Shares Change (YoY)	-0.19%
Shares Change (QoQ)	-0.03%
Owned by Institutions (%)	88.57%
Shares Floating	35.44M
Failed to Deliver (FTD) Shares	8
FTD / Avg. Volume	n/a

Short Selling Information

The latest short interest is 548.3K, so 1.53% of the outstanding shares have been sold short.

Short Interest	548.3K
Short % of Shares Out	1.53%
Short % of Float	1.72%
Short Ratio (days to cover)	3.17

Valuation Ratios

The PE ratio is 13.03 and the forward PE ratio is 10.49. Hanover Insurance's PEG ratio is 0.01.

PE Ratio	13.03
Forward PE	10.49
PS Ratio	0.89
Forward PS	0.9
PB Ratio	1.95
P/FCF Ratio	6.97
PEG Ratio	0.01

Financial Ratio History

Enterprise Valuation

Hanover Insurance has an Enterprise Value (EV) of 5.9B.

EV / Sales	0.95
EV / EBITDA	10.29
EV / EBIT	7.32
EV / FCF	7.41

Financial Position

The company has a current ratio of 2.73, with a Debt / Equity ratio of 0.28.

Current Ratio	2.73
Quick Ratio	2.73
Debt / Equity	0.28
Debt / EBITDA	1.37
Debt / FCF	0.98
Interest Coverage	15.77

Financial Efficiency

Return on Equity is 14.99% and Return on Invested Capital is 23.22%.

Return on Equity	14.99%
Return on Assets	2.79%
Return on Invested Capital	23.22%
Revenue Per Employee	$1.27M
Profits Per Employee	$86.94K
Employee Count	4,900
Asset Turnover	0.41
Inventory Turnover	n/a

Taxes

Income Tax	112.5M
Effective Tax Rate	20.92%

Stock Price Statistics

The stock price has increased by 19.48% in the last 52 weeks. The beta is 0.47, so Hanover Insurance's price volatility has been higher than the market average.

Beta	0.47
52-Week Price Change	19.48%
50-Day Moving Average	172.53
200-Day Moving Average	165.66
Relative Strength Index (RSI)	51.44
Average Volume (20 Days)	261,282

Income Statement

In the last 12 months, Hanover Insurance had revenue of 6.22B and earned 426M in profits. Earnings per share was 11.85.

Revenue	6.22B
Gross Profit	1.24B
Operating Income	537.8M
Net Income	426M
EBITDA	573.4M
EBIT	571.9M
Earnings Per Share (EPS)	11.85

Full Income Statement

Balance Sheet

The company has 435.5M in cash and 784.1M in debt, giving a net cash position of -348.6M.

Cash & Cash Equivalents	435.5M
Total Debt	784.1M
Net Cash	-348.6M
Retained Earnings	3.21B
Total Assets	15.73B
Working Capital	1.1B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 806.4M and capital expenditures -10.2M, giving a free cash flow of 796.2M.

Operating Cash Flow	806.4M
Capital Expenditures	-10.2M
Free Cash Flow	796.2M
FCF Per Share	22.18

Full Cash Flow Statement

Margins

Gross margin is 19.91%, with operating and profit margins of 8.65% and 6.85%.

Gross Margin	19.91%
Operating Margin	8.65%
Pretax Margin	8.65%
Profit Margin	6.85%
EBITDA Margin	9.22%
EBIT Margin	8.65%
FCF Margin	12.81%

Dividends & Yields

THG pays an annual dividend of $4.45, which amounts to a dividend yield of 2%.

Dividend Per Share	$4.45
Dividend Yield	2%
Dividend Growth (YoY)	5.88%
Payout Ratio	29.39%
Earnings Yield	7.67%
FCF Yield	14.34%

Dividend Details

Analyst Forecast

The average price target for THG is $175.5, which is -0.1% lower than the current price. The consensus rating is "Hold".

Price Target	$175.5
Price Target Difference	-0.1%
Analyst Consensus	Hold
Analyst Count	8

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$59.25
Lynch Upside	-66.28%
Graham Number	145.38
Graham Upside	-17.26%

Scores

Altman Z-Score	1.26
Piotroski F-Score	8