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Upturn AI SWOT - About
THG 
The Hanover Insurance Group Inc (THG)
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Upturn Advisory Summary
09/15/2025: THG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $197
1 Year Target Price $197
| 1 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.56% | Avg. Invested days 56 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.45B USD | Price to earnings Ratio 11.88 | 1Y Target Price 197 |
Price to earnings Ratio 11.88 | 1Y Target Price 197 | ||
Volume (30-day avg) 7 | Beta 0.47 | 52 Weeks Range 139.46 - 182.34 | Updated Date 09/15/2025 |
52 Weeks Range 139.46 - 182.34 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.97% | Basic EPS (TTM) 14.86 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.67% | Operating Margin (TTM) 12.54% |
Management Effectiveness
Return on Assets (TTM) 3% | Return on Equity (TTM) 19.23% |
Valuation
Trailing PE 11.88 | Forward PE 10.93 | Enterprise Value 6992415705 | Price to Sales(TTM) 1.01 |
Enterprise Value 6992415705 | Price to Sales(TTM) 1.01 | ||
Enterprise Value to Revenue 1.09 | Enterprise Value to EBITDA - | Shares Outstanding 35770400 | Shares Floating 35437302 |
Shares Outstanding 35770400 | Shares Floating 35437302 | ||
Percent Insiders 0.82 | Percent Institutions 91.82 |
Upturn AI SWOT
The Hanover Insurance Group Inc
Company Overview
History and Background
The Hanover Insurance Group, Inc. traces its roots back to 1852 with the founding of The Hanover Fire Insurance Company in New York City. It has evolved from a single-line fire insurer to a diversified property and casualty insurance organization.
Core Business Areas
- Commercial Lines: Provides a range of property and casualty insurance products and services to businesses, including small commercial, middle market, and specialty lines.
- Personal Lines: Offers auto, home, umbrella, and other personal insurance coverages to individuals and families.
- All Other: Includes other operations and investments, such as investment income and corporate expenses.
Leadership and Structure
The company is led by a Board of Directors and a senior management team, with John C. Roche as President and Chief Executive Officer. The organizational structure is designed to support its business segments and strategic initiatives.
Top Products and Market Share
Key Offerings
- Commercial Multiple Peril: Provides coverage for property damage and liability claims for businesses. Market share information is not publicly disclosed with that granularity. Competitors include Travelers (TRV), Chubb (CB), and Liberty Mutual.
- Workers' Compensation: Covers medical expenses and lost wages for employees injured on the job. Market share information is not publicly disclosed with that granularity. Competitors include Travelers (TRV), Hartford Financial Services (HIG), and Zurich.
- Personal Auto: Provides auto insurance coverage to individuals. Market share information is not publicly disclosed with that granularity. Competitors include Progressive (PGR), Geico (BRK.A), and State Farm.
- Homeowners: Provides property and liability insurance coverage to homeowners. Market share information is not publicly disclosed with that granularity. Competitors include State Farm, Allstate (ALL), and Travelers (TRV).
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to economic cycles, regulatory changes, and catastrophic events. Demand is driven by economic activity and consumer confidence.
Positioning
The Hanover Insurance Group Inc. focuses on independent agents and brokers, emphasizing specialized products and services for targeted customer segments. This strategy allows for greater distribution reach.
Total Addressable Market (TAM)
The US property and casualty insurance market is estimated to be worth $800 billion annually. The Hanover holds a small portion of this, which it attempts to grow with its specific target-market approach.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Specialized product offerings
- Solid capital position
- Experienced management team
Weaknesses
- Smaller market share compared to larger competitors
- Susceptibility to catastrophic losses
- Dependence on independent agency distribution channel
- Operating Expenses are high
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Leveraging technology to improve efficiency
- Acquisitions of smaller regional insurers
Threats
- Increased competition from larger insurers
- Economic downturn affecting insurance demand
- Rising claims costs due to inflation and severe weather
- Regulatory changes impacting insurance pricing
Competitors and Market Share
Key Competitors
- TRV
- CB
- HIG
- ALL
- PGR
- BRK.A
Competitive Landscape
The Hanover differentiates itself through its independent agent network and specialized product offerings. However, it faces significant competition from larger, more diversified insurers with greater financial resources and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends not available in real-time.
Future Projections: Future projections not available in real-time.
Recent Initiatives: Recent strategic initiatives not available in real-time.
Summary
The Hanover Insurance Group Inc. has a strong network of independent agents and specialized offerings, but faces challenges from larger competitors and market volatility. Leveraging technology and strategic acquisitions could fuel future growth. They also have high operating expenses to keep an eye on. However, being dependent on independent agencies is a weakness.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates.
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data are estimates and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About The Hanover Insurance Group Inc
Exchange NYSE | Headquaters Worcester, MA, United States | ||
IPO Launch date 1995-10-10 | President, CEO & Director Mr. John Conner Roche | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 4900 | Website https://www.hanover.com |
Full time employees 4900 | Website https://www.hanover.com | ||
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. It offers commercial multiple peril, workers' compensation, commercial automobile, and other commercial lines coverage; and professional and executive lines, marine, and surety and other, as well as specialty property and casualty comprising Hanover program business, excess and surplus business, Hanover specialty industrial, and specialty general liability business coverage. The company also provides personal automobile; and homeowners and other personal lines, including residences and personal property, liability claims, personal umbrella, inland marine, fire, personal watercraft, personal cyber, and other miscellaneous coverages. It 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.
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