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THG 
The Hanover Insurance Group Inc (THG)
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Upturn Advisory Summary
12/01/2025: 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 $200.12
1 Year Target Price $200.12
| 1 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.97% | Avg. Invested days 52 | 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 12/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.65B USD | Price to earnings Ratio 10.75 | 1Y Target Price 200.12 |
Price to earnings Ratio 10.75 | 1Y Target Price 200.12 | ||
Volume (30-day avg) 7 | Beta 0.34 | 52 Weeks Range 142.92 - 188.18 | Updated Date 12/1/2025 |
52 Weeks Range 142.92 - 188.18 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 1.94% | Basic EPS (TTM) 17.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.71% | Operating Margin (TTM) 14.34% |
Management Effectiveness
Return on Assets (TTM) 3.25% | Return on Equity (TTM) 20.02% |
Valuation
Trailing PE 10.75 | Forward PE 10.89 | Enterprise Value 6966704520 | Price to Sales(TTM) 1.02 |
Enterprise Value 6966704520 | Price to Sales(TTM) 1.02 | ||
Enterprise Value to Revenue 1.07 | Enterprise Value to EBITDA - | Shares Outstanding 35583964 | Shares Floating 35253033 |
Shares Outstanding 35583964 | Shares Floating 35253033 | ||
Percent Insiders 0.82 | Percent Institutions 90.72 |
Upturn AI SWOT
The Hanover Insurance Group Inc
Company Overview
History and Background
The Hanover Insurance Group, Inc. was founded in 1852. It has evolved from a single property insurance company to a diversified, multi-line insurer offering a wide range of property and casualty products and services. Key milestones include expanding nationally, going public, and strategic acquisitions to strengthen its market position.
Core Business Areas
- Commercial Lines: Provides a range of property and casualty insurance products and services to small, middle market, and large businesses. Includes coverages such as commercial property, general liability, workers' compensation, commercial auto, and specialty coverages.
- Personal Lines: Offers property and casualty insurance products to individuals and families. Includes coverages such as homeowners, auto, umbrella, and personal articles policies.
Leadership and Structure
The company is led by a CEO and a senior management team responsible for overseeing various business functions. The organizational structure is typically hierarchical, with different business units reporting to senior executives.
Top Products and Market Share
Key Offerings
- Commercial Package Policies: A bundled insurance product offering multiple coverages for businesses. Competitors include Travelers, Chubb, and Hartford Financial. Market share data varies but the Hanover strives for a strong presence in the middle market segment. Exact revenue figures are not always disclosable.
- Personal Auto Insurance: Provides coverage for vehicle-related damages and liabilities. Competitors include Progressive, Geico, and State Farm. Market share is smaller than the top players, with ongoing efforts to improve competitiveness. Exact revenue figures are not always disclosable.
- Homeowners Insurance: Provides coverage for damage to a residential property, its contents and liability. Competitors include State Farm, Allstate, and Liberty Mutual. Market share is growing. Exact revenue figures are not always disclosable.
Market Dynamics
Industry Overview
The property and casualty insurance industry is characterized by intense competition, cyclical underwriting results, regulatory scrutiny, and exposure to catastrophic events.
Positioning
The Hanover focuses on independent agents as its primary distribution channel, targeting specific niches and customer segments. Its competitive advantages include strong agent relationships, specialized underwriting expertise, and a focus on value-added services.
Total Addressable Market (TAM)
The U.S. property and casualty insurance market is estimated to be several hundred billion dollars. The Hanover aims to capture a significant share by focusing on specific niches and maintaining strong agent relationships.
Upturn SWOT Analysis
Strengths
- Strong Independent Agent Network
- Specialized Underwriting Expertise
- Solid Financial Stability
- Diversified Product Portfolio
Weaknesses
- Smaller Market Share Compared to Industry Leaders
- Geographic Concentration in Certain Regions
- Reliance on Independent Agents for Distribution
- Susceptibility to Catastrophic Losses
Opportunities
- Expansion into New Geographic Markets
- Development of Innovative Insurance Products
- Leveraging Technology to Enhance Efficiency
- Acquisition of Smaller Competitors
Threats
- Increased Competition from Larger Insurers
- Rising Claims Costs Due to Inflation
- Exposure to Catastrophic Events
- Regulatory Changes
Competitors and Market Share
Key Competitors
- TRV
- CB
- HIG
- ALL
- PRU
- L
- AIG
Competitive Landscape
The Hanover competes with larger, more established insurers. Its advantages include strong agent relationships and specialized expertise. Its disadvantages include smaller market share and limited brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Historical growth reflects the business cycle. Requires access to live financial data.
Future Projections: Requires access to live analyst estimate data. A response would provide projections for future growth.
Recent Initiatives: Recent initiatives have focused on digital transformation, product innovation, and expansion into new markets.
Summary
The Hanover is a mid-sized P&C insurer with a strong agent network. Its niche expertise and diversified product portfolio are strengths, but it faces competition from larger players. Growth opportunities lie in expanding into new markets and leveraging technology. Catastrophic events and regulatory changes remain key risks.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
- Third-Party Financial Data Providers
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Actual results 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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