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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.48
THG's Cash to Debt is ranked lower than
77% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. THG: 0.48 )
Ranked among companies with meaningful Cash to Debt only.
THG' s 10-Year Cash to Debt Range
Min: 0.33   Max: N/A
Current: 0.48

Equity to Asset 0.21
THG's Equity to Asset is ranked lower than
73% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. THG: 0.21 )
Ranked among companies with meaningful Equity to Asset only.
THG' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.3
Current: 0.21

0.07
0.3
Interest Coverage 5.80
THG's Interest Coverage is ranked lower than
86% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 41.04 vs. THG: 5.80 )
Ranked among companies with meaningful Interest Coverage only.
THG' s 10-Year Interest Coverage Range
Min: 0.39   Max: 9999.99
Current: 5.8

0.39
9999.99
F-Score: 6
Z-Score: 0.80
WACC vs ROIC
10.30%
8.78%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 7.48
THG's Operating margin (%) is ranked lower than
65% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. THG: 7.48 )
Ranked among companies with meaningful Operating margin (%) only.
THG' s 10-Year Operating margin (%) Range
Min: 0.55   Max: 14.45
Current: 7.48

0.55
14.45
Net-margin (%) 5.51
THG's Net-margin (%) is ranked lower than
68% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. THG: 5.51 )
Ranked among companies with meaningful Net-margin (%) only.
THG' s 10-Year Net-margin (%) Range
Min: -12.39   Max: 9.46
Current: 5.51

-12.39
9.46
ROE (%) 10.09
THG's ROE (%) is ranked lower than
54% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.00 vs. THG: 10.09 )
Ranked among companies with meaningful ROE (%) only.
THG' s 10-Year ROE (%) Range
Min: -15.16   Max: 12.59
Current: 10.09

-15.16
12.59
ROA (%) 2.04
THG's ROA (%) is ranked lower than
66% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. THG: 2.04 )
Ranked among companies with meaningful ROA (%) only.
THG' s 10-Year ROA (%) Range
Min: -1.89   Max: 2.57
Current: 2.04

-1.89
2.57
Revenue Growth (3Y)(%) 9.60
THG's Revenue Growth (3Y)(%) is ranked higher than
62% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. THG: 9.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
THG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.1   Max: 22.3
Current: 9.6

-4.1
22.3
EBITDA Growth (3Y)(%) 67.50
THG's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.70 vs. THG: 67.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
THG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 67.5
Current: 67.5

0
67.5
EPS Growth (3Y)(%) 108.90
THG's EPS Growth (3Y)(%) is ranked higher than
87% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.00 vs. THG: 108.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
THG' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.8   Max: 108.9
Current: 108.9

-34.8
108.9
» THG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

THG Guru Trades in Q2 2014

HOTCHKIS & WILEY 97,360 sh (+0.16%)
Joel Greenblatt 4,617 sh (+0.13%)
Columbia Wanger 500,000 sh (unchged)
David Dreman 215,170 sh (-1.57%)
Paul Tudor Jones 13,600 sh (-6.21%)
John Keeley 980,595 sh (-6.50%)
Jim Simons 78,200 sh (-42.55%)
» More
Q3 2014

THG Guru Trades in Q3 2014

Jim Simons 188,900 sh (+141.56%)
Paul Tudor Jones 25,978 sh (+91.01%)
David Dreman 218,066 sh (+1.35%)
HOTCHKIS & WILEY 97,360 sh (unchged)
Columbia Wanger Sold Out
John Keeley 950,425 sh (-3.08%)
Joel Greenblatt 4,392 sh (-4.87%)
» More
Q4 2014

THG Guru Trades in Q4 2014

Pioneer Investments 288,137 sh (New)
Jim Simons 342,000 sh (+81.05%)
HOTCHKIS & WILEY Sold Out
Joel Greenblatt 4,279 sh (-2.57%)
John Keeley 858,760 sh (-9.64%)
David Dreman 178,170 sh (-18.30%)
Paul Tudor Jones 15,427 sh (-40.62%)
» More
Q1 2015

THG Guru Trades in Q1 2015

Pioneer Investments 348,383 sh (+20.91%)
David Dreman 193,207 sh (+8.44%)
John Keeley 838,510 sh (-2.36%)
Joel Greenblatt 3,961 sh (-7.43%)
Jim Simons 243,700 sh (-28.74%)
Paul Tudor Jones 10,827 sh (-29.82%)
» More
» Details

Insider Trades

Latest Guru Trades with THG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 11.20
THG's P/E(ttm) is ranked lower than
52% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. THG: 11.20 )
Ranked among companies with meaningful P/E(ttm) only.
THG' s 10-Year P/E(ttm) Range
Min: 8.41   Max: 114.56
Current: 11.2

8.41
114.56
Forward P/E 23.92
THG's Forward P/E is ranked lower than
101% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.35 vs. THG: 23.92 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.30
THG's PE(NRI) is ranked higher than
55% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.60 vs. THG: 11.30 )
Ranked among companies with meaningful PE(NRI) only.
THG' s 10-Year PE(NRI) Range
Min: 8.91   Max: 62.91
Current: 11.3

8.91
62.91
P/B 1.10
THG's P/B is ranked higher than
68% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. THG: 1.10 )
Ranked among companies with meaningful P/B only.
THG' s 10-Year P/B Range
Min: 0.57   Max: 1.55
Current: 1.1

0.57
1.55
P/S 0.63
THG's P/S is ranked higher than
81% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. THG: 0.63 )
Ranked among companies with meaningful P/S only.
THG' s 10-Year P/S Range
Min: 0.35   Max: 1.12
Current: 0.63

0.35
1.12
POCF 5.46
THG's POCF is ranked higher than
78% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.94 vs. THG: 5.46 )
Ranked among companies with meaningful POCF only.
THG' s 10-Year POCF Range
Min: 4.01   Max: 85.57
Current: 5.46

4.01
85.57
EV-to-EBIT 9.36
THG's EV-to-EBIT is ranked lower than
56% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. THG: 9.36 )
Ranked among companies with meaningful EV-to-EBIT only.
THG' s 10-Year EV-to-EBIT Range
Min: 7   Max: 94.5
Current: 9.36

7
94.5
PEG 0.75
THG's PEG is ranked higher than
52% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.76 vs. THG: 0.75 )
Ranked among companies with meaningful PEG only.
THG' s 10-Year PEG Range
Min: 0.29   Max: 19.38
Current: 0.75

0.29
19.38
Shiller P/E 19.30
THG's Shiller P/E is ranked lower than
102% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. THG: 19.30 )
Ranked among companies with meaningful Shiller P/E only.
THG' s 10-Year Shiller P/E Range
Min: 10.69   Max: 393.58
Current: 19.3

10.69
393.58
Days Sales Outstanding 103.43
THG's Days Sales Outstanding is ranked lower than
67% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.26 vs. THG: 103.43 )
Ranked among companies with meaningful Days Sales Outstanding only.
THG' s 10-Year Days Sales Outstanding Range
Min: 56.95   Max: 108.44
Current: 103.43

56.95
108.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.18
THG's Dividend Yield is ranked lower than
140% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.25 vs. THG: 2.18 )
Ranked among companies with meaningful Dividend Yield only.
THG' s 10-Year Dividend Yield Range
Min: 0.46   Max: 3.46
Current: 2.18

0.46
3.46
Dividend Payout 0.25
THG's Dividend Payout is ranked higher than
51% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. THG: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
THG' s 10-Year Dividend Payout Range
Min: 0.03   Max: 5
Current: 0.25

0.03
5
Dividend growth (3y) 10.60
THG's Dividend growth (3y) is ranked higher than
61% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. THG: 10.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
THG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 35.7
Current: 10.6

0
35.7
Yield on cost (5-Year) 4.22
THG's Yield on cost (5-Year) is ranked lower than
104% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. THG: 4.22 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
THG' s 10-Year Yield on cost (5-Year) Range
Min: 0.88   Max: 6.63
Current: 4.22

0.88
6.63
Share Buyback Rate 0.70
THG's Share Buyback Rate is ranked higher than
68% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. THG: 0.70 )
Ranked among companies with meaningful Share Buyback Rate only.
THG' s 10-Year Share Buyback Rate Range
Min: 5.1   Max: -3.5
Current: 0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
THG's Price/Tangible Book is ranked higher than
57% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. THG: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
THG' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 1.62
Current: 1.2

0.26
1.62
Price/DCF (Projected) 3.70
THG's Price/DCF (Projected) is ranked lower than
135% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. THG: 3.70 )
Ranked among companies with meaningful Price/DCF (Projected) only.
THG' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 7.93
Current: 3.7

0.21
7.93
Price/Median PS Value 1.00
THG's Price/Median PS Value is ranked higher than
71% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. THG: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
THG' s 10-Year Price/Median PS Value Range
Min: 0.28   Max: 1.98
Current: 1

0.28
1.98
Price/Peter Lynch Fair Value 0.50
THG's Price/Peter Lynch Fair Value is ranked higher than
64% of the 45 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.60 vs. THG: 0.50 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
THG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.41   Max: 5.17
Current: 0.5

0.41
5.17
Price/Graham Number 0.80
THG's Price/Graham Number is ranked higher than
65% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. THG: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
THG' s 10-Year Price/Graham Number Range
Min: 0.23   Max: 32.05
Current: 0.8

0.23
32.05
Earnings Yield (Greenblatt) 10.80
THG's Earnings Yield (Greenblatt) is ranked lower than
61% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. THG: 10.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
THG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 14.3
Current: 10.8

1.1
14.3
Forward Rate of Return (Yacktman) 20.15
THG's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.09 vs. THG: 20.15 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
THG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -22.5   Max: 38.6
Current: 20.15

-22.5
38.6

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:AF4.Germany,
The Hanover Insurance Group Inc is a holding company organized as a Delaware corporation in 1995. The Company's business operations are property and casualty insurance products and services. The Company markets its domestic products and services through independent agents and brokers in the United States and conduct business internationally through a wholly-owned subsidiary, Chaucer Holdings plc (Chaucer), which operates through the Society and Corporation of Lloyd's (Lloyd's) and is domiciled in the United Kingdom. Its segments are Personal Lines, Commercial Lines, Chaucer and Other Property and Casualty. The Commercial Lines product suite provides agents and customers with products designed for small, middle and specialized markets. Commercial Lines coverage include Commercial multiple peril coverage, Commercial automobile coverage and Workers' compensation coverage. Commercial multiple peril coverage insures businesses against third party general liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products sold. It also insures business property for damage, such as that caused by fire, wind, hail, water damage (which may exclude flood), theft and vandalism. Commercial automobile coverage insures businesses against losses incurred from personal bodily injury, bodily injury to third parties, property damage to an insured's vehicle and property damage to other vehicles and property. Workers' compensation coverage insures employers against employee medical and indemnity claims resulting from injuries related to work. Workers' compensation policies are often written in conjunction with other commercial policies. Personal Lines coverage include Personal automobile coverage insures individuals against losses incurred from personal bodily injury, bodily injury to third parties, property damage to an insured's vehicle, and property damage to other vehicles and other property. Homeowners coverage insures individuals for losses to their residences and personal property, such as those caused by fire, wind, hail, water damage (except for flood), theft and vandalism, and against third party liability claims and Other personal lines are comprised of personal inland marine, umbrella, fire, personal watercraft, earthquake and other miscellaneous coverages. The Chaucer segment is comprised of international business written through Lloyd's, and includes Marine and aviation includes worldwide direct, facultative and treaty business. The aviation account insures airline hull and liability, general aviation, refuellers and aviation products. Energy encompasses exploration and production, construction, downstream, operational power and renewables, insuring against physical damage, business interruption, control of well, seepage and pollution and liabilities. Energy also includes a nuclear account, which provides coverage across the nuclear fuel cycle from raw uranium and nuclear fu
» More Articles for THG

Headlines

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The Hanover Insurance Group Inc. Reports Operating Results (10-Q) Nov 04 2010 
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The Hanover Insurance Group Inc. Reports Operating Results (10-Q) Aug 07 2009 
HOTCHKIS & WILEY Buys Edison International, The Dow Chemical Company, Capital One Financial Corp., S Jul 20 2009 

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