Hanover Insurance Group Inc.

THG | NYSE

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$223.21

-$4.10 (-1.80%)

At close: Sep 21, 2026, 4:00 PM ET

$220.01

-$3.20 (-1.43%)

Pre-market: Sep 22, 2026, 8:49 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $7.77B

Enterprise Value $6.59B

Beta 0.28

Average Volume 312.99K

Shares Outstanding (Diluted) 36.3M

Shares Change YoY -0.27%

Institutional Ownership 88.27%

Exchange NYSE

ISIN US4108671052

Price Performance

Price Change 1M -0.5%

Price Change 3M 7.5%

Price Change 6M 30.9%

Price Change YTD 24.7%

Price Change 1Y 26.8%

Price Change 3Y 98.5%

Price Change 5Y 67.7%

1M CAGR (ann.) -2.1%

1Y CAGR (ann.) 29.7%

5Y CAGR (ann.) 13.1%

All-Time CAGR 11.2%

Valuation

PE Ratio 10.73

Forward PE 11.15

PEG Ratio 0.27

Forward PEG -2.70

PS Ratio 1.15

Forward PS 1.10

PB Ratio 2.12

P/FCF Ratio 6.20

P/Adj. FCF Ratio 6.34

P/OCF Ratio 6.27

EV/Sales 0.98

EV/EBIT 6.57

EV/EBITDA 6.60

EV/FCF 5.26

Earnings Yield 9.3%

FCF Yield 16.1%

Adj. FCF Yield 15.8%

Financial Health

Net Cash $1.18B

Total Debt $844M

Cash & Short-Term Investments $2.02B

Total Assets $14.79B

Current Ratio 122.53

Quick Ratio 122.53

Debt / Equity Ratio 0.23

Debt / EBITDA 0.84

Debt / FCF 0.67

OCF / Debt 1.50

Interest Coverage 20.57

Altman Z-Score 1.91

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 39.9%

Operating Profit Margin 14.3%

EBITDA Margin 14.9%

Net Profit Margin 11.2%

FCF Margin 18.5%

Adj. FCF Margin 18.1%

SBC / Revenue 0.4%

SBC Impact (per share) -2.2%

Returns

Return on Assets 4.5%

Return on Equity 21.2%

Return on Invested Capital 4.5%

Return on Capital Employed 5.8%

Return on Tangible Assets 4.7%

Historical Growth (CAGR)

Revenue CAGR 3Y 5.3%

Revenue CAGR 5Y 5.7%

Revenue CAGR 10Y 3.5%

EPS CAGR 3Y 45.8%

EPS CAGR 5Y 8.9%

EPS CAGR 10Y 14.6%

FCF CAGR 3Y 32.1%

FCF CAGR 5Y 9.9%

FCF CAGR 10Y 8.7%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 22

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 3, 2026

EPS Estimate (next Q) $4.37

EPS Growth Est (next Q) -14.2%

Revenue Est (next Q) $1.81B

Revenue Growth Est (next Q) 9.3%

Fair Value Estimates

Graham Number $220.09

Graham Upside -1.4%

Lynch Fair Value $185.21

Lynch Upside -17.0%

Price Target $224.50

Price Target Upside 0.6%

Cash Flow

Operating Cash Flow $1.26B

Free Cash Flow $1.25B

Adj. Free Cash Flow $1.23B

FCF Per Share $35.30

OCF Per Share $35.60

OCF/S Ratio 18.7%

Income Statement

Revenue $6.76B

Gross Profit $2.7B

Operating Income $966.6M

EBITDA $999.2M

Net Income $755.6M

EPS (Diluted) $20.81

Revenue / Employee $1.38M

Profit / Employee $154.2K

Employees 4,900

Dividends

Annual Dividend $3.80

Dividend Yield 1.70%

Payout Ratio 18.3%

FCF Payout Ratio 10.6%

Adj. FCF Payout Ratio 10.8%

Dividend Growth (YoY) 5.6%

Pay Frequency Quarterly

Ex-Dividend Date Sep 10, 2026