The Hanover Insurance Group, Inc. (THG)
NYSE: THG · Real-Time Price · USD
230.09
-2.25 (-0.97%)
Jul 30, 2026, 4:00 PM EDT - Market closed

THG Statistics

Total Valuation

THG has a market cap or net worth of $8.01 billion. The enterprise value is $8.59 billion.

Market Cap8.01B
Enterprise Value 8.59B

Important Dates

The last earnings date was Tuesday, July 28, 2026, after market close.

Earnings Date Jul 28, 2026
Ex-Dividend Date Jun 12, 2026

Share Statistics

THG has 34.82 million shares outstanding. The number of shares has decreased by -1.23% in one year.

Current Share Class 34.82M
Shares Outstanding 34.82M
Shares Change (YoY) -1.23%
Shares Change (QoQ) -0.84%
Owned by Insiders (%) 0.90%
Owned by Institutions (%) 92.24%
Float 34.56M

Valuation Ratios

The trailing PE ratio is 11.01 and the forward PE ratio is 12.29. THG's PEG ratio is 0.11.

PE Ratio 11.01
Forward PE 12.29
PS Ratio 1.18
Forward PS 1.19
PB Ratio 2.19
P/TBV Ratio 2.29
P/FCF Ratio 6.39
P/OCF Ratio 6.34
PEG Ratio 0.11
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.52, with an EV/FCF ratio of 6.86.

EV / Earnings 11.37
EV / Sales 1.27
EV / EBITDA 8.52
EV / EBIT 8.47
EV / FCF 6.86

Financial Position

The company has a current ratio of 0.36, with a Debt / Equity ratio of 0.23.

Current Ratio 0.36
Quick Ratio 0.18
Debt / Equity 0.23
Debt / EBITDA 0.84
Debt / FCF 0.67
Interest Coverage 21.57

Financial Efficiency

Return on equity (ROE) is 21.88% and return on invested capital (ROIC) is 17.70%.

Return on Equity (ROE) 21.88%
Return on Assets (ROA) 3.89%
Return on Invested Capital (ROIC) 17.70%
Return on Capital Employed (ROCE) 22.69%
Weighted Average Cost of Capital (WACC) 5.71%
Revenue Per Employee $1.38M
Profits Per Employee $154,204
Employee Count4,900
Asset Turnover 0.42
Inventory Turnover n/a

Taxes

In the past 12 months, THG has paid $212.80 million in taxes.

Income Tax 212.80M
Effective Tax Rate 22.02%

Stock Price Statistics

The stock price has increased by +38.23% in the last 52 weeks. The beta is 0.29, so THG's price volatility has been lower than the market average.

Beta (5Y) 0.29
52-Week Price Change +38.23%
50-Day Moving Average 205.46
200-Day Moving Average 184.79
Relative Strength Index (RSI) 69.90
Average Volume (20 Days) 347,302

Short Selling Information

The latest short interest is 1.18 million, so 3.39% of the outstanding shares have been sold short.

Short Interest 1.18M
Short Previous Month 1.11M
Short % of Shares Out 3.39%
Short % of Float 3.42%
Short Ratio (days to cover) 3.38

Income Statement

In the last 12 months, THG had revenue of $6.76 billion and earned $755.60 million in profits. Earnings per share was $20.94.

Revenue6.76B
Gross Profit 1.70B
Operating Income 1.01B
Pretax Income 966.60M
Net Income 755.60M
EBITDA 1.01B
EBIT 1.01B
Earnings Per Share (EPS) $20.94
Full Income Statement

Balance Sheet

The company has $266.10 million in cash and $844.00 million in debt, with a net cash position of -$577.90 million or -$16.60 per share.

Cash & Cash Equivalents 266.10M
Total Debt 844.00M
Net Cash -577.90M
Net Cash Per Share -$16.60
Equity (Book Value) 3.67B
Book Value Per Share 105.23
Working Capital -7.93B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $1.26 billion and capital expenditures -$10.60 million, giving a free cash flow of $1.25 billion.

Operating Cash Flow 1.26B
Capital Expenditures -10.60M
Depreciation & Amortization n/a
Net Borrowing 58.20M
Free Cash Flow 1.25B
FCF Per Share $35.98
Full Cash Flow Statement

Margins

Gross margin is 25.19%, with operating and profit margins of 14.98% and 11.17%.

Gross Margin 25.19%
Operating Margin 14.98%
Pretax Margin 14.29%
Profit Margin 11.17%
EBITDA Margin 14.91%
EBIT Margin 14.98%
FCF Margin 18.52%

Dividends & Yields

This stock pays an annual dividend of $3.80, which amounts to a dividend yield of 1.65%.

Dividend Per Share $3.80
Dividend Yield 1.65%
Dividend Growth (YoY) 5.63%
Years of Dividend Growth 5
Payout Ratio 18.14%
Buyback Yield 1.23%
Shareholder Yield 2.88%
Earnings Yield 9.43%
FCF Yield 15.64%
Dividend Details

Analyst Forecast

The average price target for THG is $230.88, which is 0.34% higher than the current price. The consensus rating is "Hold".

Price Target $230.88
Price Target Difference 0.34%
Analyst Consensus Hold
Analyst Count 8
Revenue Growth Forecast (3Y) 4.32%
EPS Growth Forecast (3Y) 0.30%
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