The Hanover Insurance Group, Inc. (THG)
NYSE: THG · Real-Time Price · USD
181.68
+1.05 (0.58%)
At close: Mar 2, 2026, 4:00 PM EST
181.68
0.00 (0.00%)
After-hours: Mar 2, 2026, 7:00 PM EST

THG Statistics

Total Valuation

THG has a market cap or net worth of $6.39 billion. The enterprise value is $6.49 billion.

Market Cap6.39B
Enterprise Value 6.49B

Important Dates

The last earnings date was Tuesday, February 3, 2026, after market close.

Earnings Date Feb 3, 2026
Ex-Dividend Date Mar 13, 2026

Share Statistics

THG has 35.15 million shares outstanding. The number of shares has increased by 0.28% in one year.

Current Share Class 35.15M
Shares Outstanding 35.15M
Shares Change (YoY) +0.28%
Shares Change (QoQ) -0.27%
Owned by Insiders (%) 0.82%
Owned by Institutions (%) 90.67%
Float 34.83M

Valuation Ratios

The trailing PE ratio is 10.00 and the forward PE ratio is 10.59. THG's PEG ratio is 0.09.

PE Ratio 10.00
Forward PE 10.59
PS Ratio 0.97
Forward PS 0.95
PB Ratio 1.79
P/TBV Ratio 1.89
P/FCF Ratio 5.47
P/OCF Ratio 5.43
PEG Ratio 0.09
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.31, with an EV/FCF ratio of 5.55.

EV / Earnings 9.80
EV / Sales 0.98
EV / EBITDA 7.31
EV / EBIT 7.32
EV / FCF 5.55

Financial Position

The company has a current ratio of 0.41, with a Debt / Equity ratio of 0.34.

Current Ratio 0.41
Quick Ratio 0.24
Debt / Equity 0.34
Debt / EBITDA 1.37
Debt / FCF 1.04
Interest Coverage 20.53

Financial Efficiency

Return on equity (ROE) is 20.60% and return on invested capital (ROIC) is 14.63%.

Return on Equity (ROE) 20.60%
Return on Assets (ROA) 3.44%
Return on Invested Capital (ROIC) 14.63%
Return on Capital Employed (ROCE) 20.09%
Weighted Average Cost of Capital (WACC) 5.51%
Revenue Per Employee $1.35M
Profits Per Employee $135,204
Employee Count4,900
Asset Turnover 0.41
Inventory Turnover n/a

Taxes

In the past 12 months, THG has paid $183.10 million in taxes.

Income Tax 183.10M
Effective Tax Rate 21.70%

Stock Price Statistics

The stock price has increased by +6.54% in the last 52 weeks. The beta is 0.32, so THG's price volatility has been lower than the market average.

Beta (5Y) 0.32
52-Week Price Change +6.54%
50-Day Moving Average 176.30
200-Day Moving Average 174.49
Relative Strength Index (RSI) 64.28
Average Volume (20 Days) 328,765

Short Selling Information

The latest short interest is 823,844, so 2.34% of the outstanding shares have been sold short.

Short Interest 823,844
Short Previous Month 710,642
Short % of Shares Out 2.34%
Short % of Float 2.37%
Short Ratio (days to cover) 1.82

Income Statement

In the last 12 months, THG had revenue of $6.59 billion and earned $662.50 million in profits. Earnings per share was $18.17.

Revenue6.59B
Gross Profit 1.58B
Operating Income 887.00M
Pretax Income 843.80M
Net Income 662.50M
EBITDA 888.50M
EBIT 887.00M
Earnings Per Share (EPS) $18.17
Full Income Statement

Balance Sheet

The company has $1.12 billion in cash and $1.22 billion in debt, with a net cash position of -$95.60 million or -$2.72 per share.

Cash & Cash Equivalents 1.12B
Total Debt 1.22B
Net Cash -95.60M
Net Cash Per Share -$2.72
Equity (Book Value) 3.57B
Book Value Per Share 100.89
Working Capital -7.37B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $1.18 billion and capital expenditures -$7.70 million, giving a free cash flow of $1.17 billion.

Operating Cash Flow 1.18B
Capital Expenditures -7.70M
Free Cash Flow 1.17B
FCF Per Share $33.30
Full Cash Flow Statement

Margins

Gross margin is 23.96%, with operating and profit margins of 13.45% and 10.05%.

Gross Margin 23.96%
Operating Margin 13.45%
Pretax Margin 12.80%
Profit Margin 10.05%
EBITDA Margin 13.47%
EBIT Margin 13.45%
FCF Margin 17.75%

Dividends & Yields

This stock pays an annual dividend of $3.80, which amounts to a dividend yield of 2.09%.

Dividend Per Share $3.80
Dividend Yield 2.09%
Dividend Growth (YoY) 5.71%
Years of Dividend Growth 5
Payout Ratio 20.36%
Buyback Yield -0.27%
Shareholder Yield 1.82%
Earnings Yield 10.36%
FCF Yield 18.30%
Dividend Details

Analyst Forecast

The average price target for THG is $198.00, which is 8.98% higher than the current price. The consensus rating is "Buy".

Price Target $198.00
Price Target Difference 8.98%
Analyst Consensus Buy
Analyst Count 6
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 5