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Upturn AI Summary - About
The Hanover Insurance Group Inc(THG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for THG
10/19/2026: THG (2-star) is currently NOT-A-BUY. Pass it for now.
The Hanover Insurance Group is an established provider of property and casualty insurance, primarily serving small to mid-sized businesses and individuals through independent agents. The company is noted for its disciplined underwriting culture and specialized focus, which provides a stable market position despite being smaller than national giants. Its investment story centers on sustained underwriting profitability and prudent capital management. Primary risks include exposure to catastrophic weather events and intense pricing pressure within the competitive insurance industry. The stock may suit value and dividend-oriented investors looking for stable exposure to the P&C sector, though investors should monitor underwriting margins and catastrophic loss developments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential tied to insurance cycle premiums rather than rapid expansion. |
| Momentum investor | Mixed fit | Momentum depends on the current insurance cycle and successful underwriting results. |
| Value investor | Strong fit | The stock is often viewed through the lens of price-to-book valuation typical of established insurance firms. |
| Dividend investor | Strong fit | Consistent dividend payments make it suitable for income-focused portfolios. |
| Low-risk investor | Medium fit | While P&C insurance is steady, exposure to catastrophe risks introduces volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Stock price can fluctuate based on market perceptions of underwriting risk and interest rates. |
| Valuation risk | Low | The company typically trades in line with book value, limiting extreme valuation swings. |
| Competition risk (Insurance) | Medium / high | Intense competition from larger carriers can pressure premiums and market share. |
| Business quality | Strong | The company has a long history and disciplined approach to risk management. |
| Dividend income | Strong | Stable dividend history supports income-seeking investors. |
| Execution risk | Medium | Success depends on accurate underwriting and managing catastrophe exposure. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 29.67% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.11B USD | Price to earnings Ratio 11.15 | 1Y Target Price 235.88 |
Price to earnings Ratio 11.15 | 1Y Target Price 235.88 | ||
Volume (30-day avg) 295.4K shares | Beta 0.25 | 52 Weeks Range 163.54 - 235.07 | Updated Date 10/18/2026 |
52 Weeks Range 163.54 - 235.07 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 1.64% | Basic EPS (TTM) 20.89 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Lines | Business insurance premiums for small/mid-sized companies. | This is the primary engine for steady insurance revenue. |
| Personal Lines | Home and auto insurance for individuals. | Provides stable, albeit more competition-sensitive, income. |
| Investment Income | Returns on the company's investment portfolio. | An important secondary contributor to total profitability. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.15 | Forward PE 11.15 | Enterprise Value 8.15B | Price to Sales(TTM) 1.2 |
Enterprise Value 8.15B | Price to Sales(TTM) 1.2 | ||
Enterprise Value to Revenue 1.21 | Enterprise Value to EBITDA - | Shares Outstanding 34.82M | Shares Floating 34.46M |
Shares Outstanding 34.82M | Shares Floating 34.46M | ||
Percent Insiders 0.95 | Percent Institutions 93.32 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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