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Upturn AI SWOT - About
THG 
The Hanover Insurance Group Inc (THG)
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Upturn Advisory Summary
06/30/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $187.43
1 Year Target Price $187.43
| 1 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.55% | Avg. Invested days 61 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.02B USD | Price to earnings Ratio 13.97 | 1Y Target Price 187.43 |
Price to earnings Ratio 13.97 | 1Y Target Price 187.43 | ||
Volume (30-day avg) 7 | Beta 0.47 | 52 Weeks Range 120.45 - 177.74 | Updated Date 06/29/2025 |
52 Weeks Range 120.45 - 177.74 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.15% | Basic EPS (TTM) 11.99 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.97% | Operating Margin (TTM) 10.52% |
Management Effectiveness
Return on Assets (TTM) 2.44% | Return on Equity (TTM) 15.74% |
Valuation
Trailing PE 13.97 | Forward PE 11.93 | Enterprise Value 6485177402 | Price to Sales(TTM) 0.96 |
Enterprise Value 6485177402 | Price to Sales(TTM) 0.96 | ||
Enterprise Value to Revenue 1.03 | Enterprise Value to EBITDA - | Shares Outstanding 35916300 | Shares Floating 35582980 |
Shares Outstanding 35916300 | Shares Floating 35582980 | ||
Percent Insiders 0.83 | Percent Institutions 90.63 |
Analyst Ratings
Rating 3 | Target Price 187.43 | Buy 3 | Strong Buy 1 |
Buy 3 | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
The Hanover Insurance Group Inc
Company Overview
History and Background
The Hanover Insurance Group was founded in 1852 as Massachusetts Fire and Marine Insurance Company. It has evolved into a national property and casualty insurance carrier, focusing on independent agents.
Core Business Areas
- Commercial Lines: Provides a range of insurance products for businesses, including property, casualty, workers' compensation, and specialty coverage.
- Personal Lines: Offers insurance products for individuals and families, such as auto, homeowners, and umbrella coverage.
- Other: Includes run-off businesses and other smaller operations.
Leadership and Structure
The leadership team includes the CEO, President, CFO, and other key executives. The organizational structure is based on business segments and functional areas.
Top Products and Market Share
Key Offerings
- Commercial Multiple Peril: Insurance coverage that combines protection from multiple perils, typically for businesses. Market share data unavailable. Competitors include Travelers, Chubb, and Hartford Financial Services.
- Workers' Compensation: Insurance that provides benefits to employees who suffer work-related injuries or illnesses. Market share data unavailable. Competitors include Liberty Mutual, Hartford Financial Services, and Travelers.
- Homeowners Insurance: Protects homeowners from financial losses due to damage or theft. Market share data unavailable. Competitors include State Farm, Allstate, and Progressive.
- Auto Insurance: Provides financial protection in the event of an auto accident or other damage. Market share data unavailable. Competitors include State Farm, Geico, and Progressive.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory changes, economic conditions, and catastrophic events. Digital transformation and evolving customer expectations are key trends.
Positioning
The Hanover focuses on independent agents, providing them with specialized products and services to serve their clients. Their competitive advantage lies in their strong relationships with agents and their expertise in niche markets.
Total Addressable Market (TAM)
The total addressable market is the entire property and casualty insurance market in the US, estimated to be in the hundreds of billions of dollars. The Hanover's position within the TAM is focused on specific niches and segments where they have expertise and strong agent relationships.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Expertise in niche markets
- Diversified product offerings
- Solid financial performance
Weaknesses
- Smaller market share compared to larger competitors
- Exposure to catastrophic events
- Dependence on independent agent channel
- Geographic concentration in some areas
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Leveraging technology to improve efficiency
- Acquisitions of smaller insurance companies
Threats
- Increased competition from larger insurers
- Rising claims costs due to inflation and climate change
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- TRV
- CB
- HIG
- ALL
- PRGO
- WRB
Competitive Landscape
The Hanover faces competition from larger national insurers with greater resources. Their advantage lies in their strong agent relationships and niche market expertise. They must continue to innovate and adapt to changing market conditions to maintain their competitive position.
Major Acquisitions
AIX Group
- Year: 2009
- Acquisition Price (USD millions): 291
- Strategic Rationale: Expand specialty lines capabilities and reach new markets.
Growth Trajectory and Initiatives
Historical Growth: Data unavailable. Discusses growth trends over the past years.
Future Projections: Data unavailable. Provides projections for future growth based on analyst estimates.
Recent Initiatives: Data unavailable. Highlights recent strategic initiatives.
Summary
The Hanover Insurance Group is a mid-sized P&C insurer with a strong focus on independent agents and niche markets. While facing competition from larger players, its expertise and relationships provide a competitive edge. Monitoring claims costs, adapting to regulatory changes, and continuing to innovate are crucial for future success. They are growing slowly but sustainably at the cost of limited profitability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Analyst Reports
- MarketWatch
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is estimated 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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