Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
THG
STRONG BUYFLAGThe Hanover Insurance Group, Inc. · Financial Services · United States · $7.6B · Avg Vol: $75M/d
The Hanover Insurance has quality Q64 and momentum M68 with a buyback on file, but value at V47 is below the calibrated floor, so stage one fails. Insider selling of 0.13% is separately adverse.
COMPANY DESCRIPTION
The Hanover Insurance Group, Inc. provides property and casualty insurance products and services through independent agents, focusing on commercial and personal lines. Its competitive moat includes long-standing relationships with independent agents, disciplined underwriting, and specialized product offerings that cater to specific market segments. Hanover is a prominent regional property and casualty insurer in the U.S., operating through an exclusive independent agent channel.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5.4B | 6.0B | 6.2B | 6.6B | 6.5% | 6.7B | 6.9B | 7.2B | 4.9% |
| EPS | 3.21 | 0.98 | 11.70 | 18.51 | 79.3% | 19.83 | 17.92 | 18.05 | -1.2% |
| Shares | 35.6M | 35.8M | 35.9M | 35.4M | -0.6% | 35.0M | — | — | — |
| Debt | 782.4M | 783.2M | 784.1M | 1.2B | 15.9% | 843.8M | — | — | — |
| Equity | 2.3B | 2.5B | 2.8B | 3.6B | 15.2% | — | — | — | — |
| Op CF | — | — | — | — | — | — | — | — | — |
| Inv CF | — | — | — | — | — | — | — | — | — |
| Fin CF | — | — | — | — | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of THG are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| THG | The Hanover Insurance Group, Inc.(you) | $7.6B | 87 | STRONG BUY |
| ORI | Old Republic International Corporation | $10.3B | 85 | STRONG BUY |
| SIGI | Selective Insurance Group, Inc. | $5.7B | 83 | STRONG BUY |
| AIZ | Assurant, Inc. | $13.7B | 87 | STRONG BUY |
| CNA | CNA Financial Corporation | $14.5B | 85 | STRONG BUY |
| MCY | Mercury General Corporation | $5.9B | 97 | STRONG BUY |
| SKWD | Skyward Specialty Insurance Group, Inc. | $2.5B | 88 | STRONG BUY |
| CINF | Cincinnati Financial Corporation | $28.3B | 84 | STRONG BUY |
| AFG | American Financial Group, Inc. | $11.9B | 64 | HOLD |
| HCI | HCI Group, Inc. | $2.3B | 94 | STRONG BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%