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Upturn AI SWOT - About
THG 
The Hanover Insurance Group Inc (THG)
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Upturn Advisory Summary
08/28/2025: 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 $196.29
1 Year Target Price $196.29
| 1 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.89% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.21B USD | Price to earnings Ratio 11.43 | 1Y Target Price 196.29 |
Price to earnings Ratio 11.43 | 1Y Target Price 196.29 | ||
Volume (30-day avg) 7 | Beta 0.46 | 52 Weeks Range 139.63 - 178.30 | Updated Date 08/29/2025 |
52 Weeks Range 139.63 - 178.30 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.05% | 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 11.43 | Forward PE 12.24 | Enterprise Value 6743811092 | Price to Sales(TTM) 0.97 |
Enterprise Value 6743811092 | Price to Sales(TTM) 0.97 | ||
Enterprise Value to Revenue 1.06 | Enterprise Value to EBITDA - | Shares Outstanding 35770400 | Shares Floating 35437302 |
Shares Outstanding 35770400 | Shares Floating 35437302 | ||
Percent Insiders 0.82 | Percent Institutions 91.48 |
Upturn AI SWOT
The Hanover Insurance Group Inc
Company Overview
History and Background
The Hanover Insurance Group, Inc., founded in 1852, is a property and casualty insurance company. Originally known as Massachusetts Fire and Marine Insurance Company, it evolved through acquisitions and strategic shifts to become The Hanover. Significant milestones include expanding its product offerings and geographic reach.
Core Business Areas
- Commercial Lines: Offers a range of insurance products for businesses, including property, casualty, workers' compensation, and specialty coverage.
- Personal Lines: Provides personal insurance products such as auto, homeowners, and umbrella coverage.
- Other: Includes corporate activities and other smaller business segments.
Leadership and Structure
The leadership team is headed by the Chief Executive Officer. The organizational structure includes various functional departments such as underwriting, claims, finance, and technology, supporting both commercial and personal lines.
Top Products and Market Share
Key Offerings
- Commercial Multiple Peril: Commercial Multiple Peril insurance provides coverage for businesses against a range of risks, including property damage, liability, and business interruption. Competitors include Travelers, Hartford, and Chubb. The Hanover does not release segment revenue figures, so specific market share data is not available.
- Workers' Compensation: Workers' compensation insurance provides coverage for employees who are injured on the job. Competitors include Liberty Mutual, Berkshire Hathaway, and Travelers. Market share data and revenue are not directly provided by the Hanover.
- Personal Auto: Personal Auto insurance provides coverage for individuals against losses related to vehicle accidents and other damages. Competitors include State Farm, Geico, and Progressive. Market share data and revenue are not directly provided by the Hanover.
Market Dynamics
Industry Overview
The property and casualty (P&C) insurance industry is characterized by intense competition, cyclical underwriting results, and sensitivity to economic conditions and catastrophic events. Technological advancements and regulatory changes also play a significant role.
Positioning
The Hanover focuses on the independent agency channel, offering a mix of standard and specialized products. Its competitive advantage lies in its strong relationships with independent agents and its tailored solutions for niche markets.
Total Addressable Market (TAM)
The US P&C insurance market is estimated to be worth over $800 billion. The Hanover holds a small percentage of this TAM focused on specific segments and geographies. They are strategically positioned to capture more market share via independent agencies.
Upturn SWOT Analysis
Strengths
- Strong independent agency network
- Diversified product offerings
- Experienced management team
- Solid financial strength ratings
- Customized solutions for niche markets
Weaknesses
- Smaller market share compared to larger competitors
- Sensitivity to catastrophic events
- Geographic concentration in certain regions
- Dependence on independent agency channel
- Higher expense ratio than some peers
Opportunities
- Expansion into new geographic markets
- Increased demand for specialty insurance products
- Technological advancements to improve efficiency
- Strategic acquisitions to expand capabilities
- Growth in emerging risks (e.g., cyber insurance)
Threats
- Increased competition from larger insurers
- Economic downturn affecting premium growth
- Catastrophic events leading to large claims
- Regulatory changes impacting profitability
- Rising reinsurance costs
Competitors and Market Share
Key Competitors
- TRV
- HIG
- CB
Competitive Landscape
The Hanover faces significant competition from larger, more established insurers. It differentiates itself through its independent agency network and specialized products but must continue to innovate and control costs to maintain its competitive position.
Growth Trajectory and Initiatives
Historical Growth: Need Current Year Financial Data
Future Projections: Need Current Year Financial Data
Recent Initiatives: Need Current Year Financial Data
Summary
The Hanover is a mid-sized P&C insurer with a strong agency network. Its diversified product offerings and niche market focus are working well. However, its smaller size and expense ratio are potential weaknesses that needs to address while also remaining resilient against large catastrophic claims.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Industry Reports
- Analyst Reports
- Company Press Releases
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share estimates are based on available data and may not be precise. Financial data is subject to change.
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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