What is The Hanover Insurance Group, Inc.'s (THG) StockRank?

MoatMap's StockRank for The Hanover Insurance Group, Inc. (THG) is 83/100, with a Strong Buy signal. This is a composite score combining Quality (64), Value (48), and Momentum (67) factor ranks across MoatMap's universe of 25,000+ stocks.

Does The Hanover Insurance Group, Inc. have an economic moat?

The Hanover Insurance Group, Inc. (THG) has a Quality factor score of 64/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is The Hanover Insurance Group, Inc. a buy, hold, or sell?

MoatMap's current signal for The Hanover Insurance Group, Inc. (THG) is Strong Buy, based on a StockRank of 83/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is The Hanover Insurance Group, Inc. in?

The Hanover Insurance Group, Inc. (THG) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (United States).

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THG

Strong BuyPremium GrowerFLAG

The Hanover Insurance Group, Inc. · Financial Services · United States · $7.9B · Avg Vol: $63M/d

StockRank

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P/E (TTM)

10.9x

ROE

21.9%

D/E

0.2x

Dividend %

1.6%

AI CONVICTION THESIS

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%	6.8B	7.0B	7.3B	5.7%
EPS	3.21	0.98	11.70	18.51	79.3%	20.90	19.76	18.93	1.1%
Shares	35.6M	35.8M	35.9M	35.4M	-0.6%	34.8M	—	—	—
Debt	782.4M	783.2M	784.1M	1.2B	15.9%	844.0M	—	—	—
Equity	2.3B	2.5B	2.8B	3.6B	15.2%	—	—	—	—
Op CF	722.3M	361.7M	806.4M	1.2B	17.7%	1.3B	—	—	—
Inv CF	-507.6M	-228.5M	-540.9M	-666.2M	—	—	—	—	—
Fin CF	-140.6M	-122.1M	-145.5M	175.2M	—	—	—	—	—

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PRICE (1Y)-3.0%

SMA 50SMA 200

$225.34

RSI (14)

62.1

52W High

$236.07

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

3.9%*69.4

ROE

21.9%87.3

GP/Assets

10.1%74.2

Op. Margin

14.8%31.5

FCF/Assets

n/mN/A

Piotroski

567.4

Int. Cover

20.5x65.4

D/E Ratio

0.23x60.5

Current Ratio

0.36x15.2

Value

P/E (TTM)

10.9x63.0

EV/EBITDA

n/mN/A

P/FCF

n/mN/A

P/B

2.2x23.1

P/S

1.2x86.9

Div Yield

1.6%18.2

Momentum

52W High %

95%76.0

RS 6M

17%82.4

SMA 50/200

1.16x88.2

EPS Rev 4W

+1.7%61.3

EPS Rev 12W

+5.0%83.9

EPS Improve

-7%16.5

Q Growth

22%54.1

FUNDAMENTALS

Market Cap

$7.9B

P/E (Forward)

11.7x

Gross Margin

25.2%

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)	$7.9B	83	Strong Buy
MCY	Mercury General Corporation	$5.9B	77	Buy
ORI	Old Republic International Corporation	$10.2B	71	Buy
AIZ	Assurant, Inc.	$14.1B	73	Buy
SIGI	Selective Insurance Group, Inc.	$5.5B	65	Buy
HCI	HCI Group, Inc.	$2.3B	86	Strong Buy
AFG	American Financial Group, Inc.	$11.9B	63	Hold
CNA	CNA Financial Corporation	$13.3B	62	Hold
HGTY	Hagerty, Inc.	$4.6B	60	Hold
CINF	Cincinnati Financial Corporation	$26.4B	72	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

The Hanover Insurance Group, Inc. (THG): Stock Score Summary

The Hanover Insurance Group, Inc. (THG) has a MoatMap StockRank of 83/100 based on Quality (64/100), Value (48/100), and Momentum (67/100) factor scores. The current signal is STRONG BUY. 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.

Key Financial Metrics

Price	$225.34
Market Cap	$7.9B
P/E (TTM)	10.93
P/E (Forward)	11.69
Price/Book	2.17
Return on Equity	21.9%
Debt/Equity	0.23x
Gross Margin	25.2%
Operating Margin	14.8%
Revenue Growth	4.3%
Dividend Yield	1.6%
Free Cash Flow	$1.0B

The Hanover Insurance Group, Inc. operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is The Hanover Insurance Group, Inc.’s (THG) StockRank?: MoatMap’s StockRank for The Hanover Insurance Group, Inc. (THG) is 83/100, with a Strong Buy signal. It is a composite of Quality (64), Value (48), and Momentum (67) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does The Hanover Insurance Group, Inc. have an economic moat?: The Hanover Insurance Group, Inc. (THG) has a Quality factor score of 64/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is The Hanover Insurance Group, Inc. a buy, hold, or sell?: MoatMap’s current signal for The Hanover Insurance Group, Inc. (THG) is Strong Buy, based on a StockRank of 83/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is The Hanover Insurance Group, Inc. in?: The Hanover Insurance Group, Inc. (THG) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (United States).