Valuation dashboard for The Hanover Insurance Group, Inc. (THG) with P/E 10.34, P/B 2.12, EV/EBITDA 8.18 and dividend yield 1.73%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
The Hanover Insurance Group, Inc. (THG) is a U.S.-based insurer offering a wide array of property and casualty coverage through its various operating units. Its operations are organized into three main divisions: Commercial Lines, Personal Lines, and an "Other" segment. The Commercial Lines division delivers a comprehensive suite of business insurance solutions, including multi-peril, commercial auto, and workers' compensation policies.
Analysis Summary
The Hanover Insurance Group, Inc. reported revenue of $6.60B in the most recent fiscal year, growing at a 5-year CAGR of 6.5%. Net income reached $662.5M, with a 13.1% 5-year CAGR.
Trailing-twelve-month margins: gross margin 39.9%, operating margin 14.3%, net margin 11.2%.
At the current price of $220.40, THG trades at a P/E of 10.34 and an ROE of 21.22%. Market capitalisation stands at $7.7B.
Balance sheet quality for THG: current ratio of 0.6. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 10.34 |
| Price / Book | 2.12 |
| EV / EBITDA | 8.18 |
| Dividend Yield | 1.73% |
Valuation Models
| DCF Fair Value | $626.82 |
| vs Current Price | +184.4% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| THG | The Hanover Insurance Group, Inc. | $7.6B | 10.34 | 2.12 | 21.2% |
| CB | Chubb Limited | $127.7B | 11.65 | 1.73 | 14.0% |
| ALL | The Allstate Corporation | $57.6B | 4.47 | 1.70 | 33.6% |
| CNA | CNA Financial Corporation | $12.5B | 10.16 | 1.12 | 11.0% |
| 0VQD.L | Chubb Limited | $129.8B | |||
| PGR | The Progressive Corporation | $122.3B | 10.55 | 24.98 | 46.0% |
| 0KOC.L | The Progressive Corporation | $122.2B | |||
| 0R03.L | The Travelers Companies, Inc. | $79.1B |
Price
| Price | $220.40 |
| Market Cap | $7.7B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 21.22% |
| Return on Invested Capital | 4.47% |
| Return on Assets | 4.48% |
| Gross Margin | 39.89% |
| Operating Margin | 14.30% |
| Net Margin | 11.18% |
Related companies: ALL · ARGO-PA · CB · CNA · DGICA · DGICB · GBLI
Explore sector: Financial Services · Insurance - Property & Casualty
More sections of THG: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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