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Upturn AI SWOT - About
THG 
The Hanover Insurance Group Inc (THG)
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Upturn Advisory Summary
10/17/2025: THG (1-star) is a SELL. SELL since 1 days. Simulated Profits (-0.91%). Updated daily EoD!
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 $198.86
1 Year Target Price $198.86
| 1 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.93% | Avg. Invested days 60 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.12B USD | Price to earnings Ratio 11.27 | 1Y Target Price 198.86 |
Price to earnings Ratio 11.27 | 1Y Target Price 198.86 | ||
Volume (30-day avg) 7 | Beta 0.44 | 52 Weeks Range 142.92 - 186.46 | Updated Date 10/19/2025 |
52 Weeks Range 142.92 - 186.46 | Updated Date 10/19/2025 | ||
Dividends yield (FY) 2.11% | Basic EPS (TTM) 15.18 |
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 11.27 | Forward PE 11.04 | Enterprise Value 7055013989 | Price to Sales(TTM) 0.96 |
Enterprise Value 7055013989 | Price to Sales(TTM) 0.96 | ||
Enterprise Value to Revenue 1.1 | Enterprise Value to EBITDA - | Shares Outstanding 35770448 | Shares Floating 35437302 |
Shares Outstanding 35770448 | Shares Floating 35437302 | ||
Percent Insiders 0.82 | Percent Institutions 91.81 |
Upturn AI SWOT
The Hanover Insurance Group Inc
Company Overview
History and Background
The Hanover Insurance Group, Inc. traces its roots back to 1852. Initially a Massachusetts-based fire insurance company, it has evolved into a national property and casualty insurance carrier. Key milestones include expanding product lines, geographic reach, and strategic acquisitions.
Core Business Areas
- Commercial Lines: Provides a broad range of property and casualty insurance products to businesses, including small commercial, middle market, and specialty coverages.
- Personal Lines: Offers a comprehensive suite of personal insurance products, such as auto, homeowners, umbrella, and other personal property coverage.
- International: Primarily provides specialty property and casualty insurance products in the United Kingdom and other selected locations.
Leadership and Structure
The Hanover Insurance Group is led by its Chief Executive Officer and a senior management team. The organizational structure includes various business segments and functional departments, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Multiple Peril: Provides coverage for businesses against multiple perils like fire, theft, and liability. Market share is competitive within the commercial lines sector. Competitors include Travelers, Hartford, and CNA.
- Personal Auto: Offers auto insurance coverage to individuals. Market share varies by region. Competitors include State Farm, GEICO, and Progressive.
- Homeowners Insurance: Provides coverage for homeowners against property damage and liability. Market share varies geographically. Competitors include Allstate, Liberty Mutual and Chubb.
Market Dynamics
Industry Overview
The property and casualty insurance industry is characterized by intense competition, regulatory oversight, and exposure to catastrophic events. Technological advancements and changing customer expectations are shaping the industry's future.
Positioning
The Hanover Insurance Group focuses on providing tailored solutions through independent agents. Its competitive advantage lies in its strong relationships with agents and its ability to offer specialized coverage options.
Total Addressable Market (TAM)
The TAM for the US P&C insurance market is estimated to be hundreds of billions of dollars annually. The Hanover is positioned to capture a portion of this market through its independent agent distribution model.
Upturn SWOT Analysis
Strengths
- Strong independent agent network
- Specialized product offerings
- Solid financial strength
- Experienced management team
Weaknesses
- Smaller market share compared to larger competitors
- Geographic concentration in certain regions
- Exposure to catastrophic losses
- Reliance on independent agents could be a weakness depending on how it is managed.
Opportunities
- Expanding into new geographic markets
- Leveraging technology to improve efficiency
- Developing innovative insurance products
- Growth in niche markets
Threats
- Increased competition from larger insurers
- Rising claims costs
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- TRV
- HIG
- CNA
- ALL
- L
- PRU
Competitive Landscape
The Hanover Insurance Group competes with larger national and regional insurers. Its competitive advantage lies in its strong independent agent network and specialized product offerings.
Major Acquisitions
Alnair Re
- Year: 2023
- Acquisition Price (USD millions): 27.5
- Strategic Rationale: Enhances existing reinsurance programs
Growth Trajectory and Initiatives
Historical Growth: The Hanover Insurance Group has experienced moderate growth in revenue and earnings over the past several years, driven by both organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expanding product offerings and geographic reach.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and strategic acquisitions to enhance its product portfolio.
Summary
The Hanover Insurance Group is a stable company with steady growth, driven by its strong agent network and specialized products. Its smaller size compared to major competitors poses a challenge, while its strategic investments in technology and expansion into new markets position it for future success. The company must also navigate the risks of catastrophic events and regulatory changes. They are in a good place in the insurance industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on available information and may not be exact.
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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