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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.41
THG's Cash to Debt is ranked higher than
61% of the 247 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. THG: 0.41 )
THG' s 10-Year Cash to Debt Range
Min: 0.41   Max: 9999
Current: 0.41

0.41
9999
Equity to Asset 0.21
THG's Equity to Asset is ranked higher than
61% of the 246 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. THG: 0.21 )
THG' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.29
Current: 0.21

0.07
0.29
Interest Coverage 5.80
THG's Interest Coverage is ranked higher than
54% of the 207 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 23.53 vs. THG: 5.80 )
THG' s 10-Year Interest Coverage Range
Min: 0.39   Max: 9999.99
Current: 5.8

0.39
9999.99
F-Score: 7
Z-Score: 0.80
WACC vs ROIC
10.16%
8.96%
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 (%) 7.46
THG's Operating margin (%) is ranked higher than
66% of the 247 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.37 vs. THG: 7.46 )
THG' s 10-Year Operating margin (%) Range
Min: 0.55   Max: 14.45
Current: 7.46

0.55
14.45
Net-margin (%) 5.56
THG's Net-margin (%) is ranked higher than
65% of the 247 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. THG: 5.56 )
THG' s 10-Year Net-margin (%) Range
Min: -12.39   Max: 9.46
Current: 5.56

-12.39
9.46
ROE (%) 10.30
THG's ROE (%) is ranked higher than
72% of the 246 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.78 vs. THG: 10.30 )
THG' s 10-Year ROE (%) Range
Min: -15.16   Max: 12.59
Current: 10.3

-15.16
12.59
ROA (%) 2.05
THG's ROA (%) is ranked higher than
66% of the 247 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.06 vs. THG: 2.05 )
THG' s 10-Year ROA (%) Range
Min: -1.89   Max: 2.57
Current: 2.05

-1.89
2.57
Revenue Growth (3Y)(%) 9.60
THG's Revenue Growth (3Y)(%) is ranked higher than
82% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.50 vs. THG: 9.60 )
THG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6.5   Max: 22.3
Current: 9.6

-6.5
22.3
EBITDA Growth (3Y)(%) 67.50
THG's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.70 vs. THG: 67.50 )
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
94% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.80 vs. THG: 108.90 )
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

Q1 2014

THG Guru Trades in Q1 2014

Joel Greenblatt 4,611 sh (New)
Paul Tudor Jones 14,500 sh (+184.31%)
David Dreman 218,612 sh (+3.12%)
HOTCHKIS & WILEY 97,200 sh (unchged)
Columbia Wanger 500,000 sh (unchged)
Steven Cohen Sold Out
John Keeley 1,048,802 sh (-1.29%)
Jim Simons 136,130 sh (-23.05%)
» More
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
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.60
THG's P/E(ttm) is ranked higher than
81% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.50 vs. THG: 11.60 )
THG' s 10-Year P/E(ttm) Range
Min: 8.41   Max: 114.56
Current: 11.6

8.41
114.56
Forward P/E 24.39
THG's Forward P/E is ranked higher than
50% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.08 vs. THG: 24.39 )
N/A
PE(NRI) 11.60
THG's PE(NRI) is ranked higher than
85% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.20 vs. THG: 11.60 )
THG' s 10-Year PE(NRI) Range
Min: 8.91   Max: 62.91
Current: 11.6

8.91
62.91
P/B 1.13
THG's P/B is ranked higher than
80% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.42 vs. THG: 1.13 )
THG' s 10-Year P/B Range
Min: 0.57   Max: 1.55
Current: 1.13

0.57
1.55
P/S 0.64
THG's P/S is ranked higher than
91% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.27 vs. THG: 0.64 )
THG' s 10-Year P/S Range
Min: 0.35   Max: 1.12
Current: 0.64

0.35
1.12
POCF 5.79
THG's POCF is ranked higher than
91% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.78 vs. THG: 5.79 )
THG' s 10-Year POCF Range
Min: 4.01   Max: 85.57
Current: 5.79

4.01
85.57
EV-to-EBIT 9.93
THG's EV-to-EBIT is ranked higher than
79% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.81 vs. THG: 9.93 )
THG' s 10-Year EV-to-EBIT Range
Min: 7   Max: 94.5
Current: 9.93

7
94.5
PEG 0.77
THG's PEG is ranked higher than
92% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. THG: 0.77 )
THG' s 10-Year PEG Range
Min: 0.29   Max: 34.76
Current: 0.77

0.29
34.76
Shiller P/E 20.19
THG's Shiller P/E is ranked higher than
74% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 32.30 vs. THG: 20.19 )
THG' s 10-Year Shiller P/E Range
Min: 10.62   Max: 429.36
Current: 20.19

10.62
429.36
Days Sales Outstanding 98.02
THG's Days Sales Outstanding is ranked higher than
82% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 257.26 vs. THG: 98.02 )
THG' s 10-Year Days Sales Outstanding Range
Min: 56.95   Max: 108.44
Current: 98.02

56.95
108.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.14
THG's Dividend Yield is ranked lower than
57% of the 216 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.77 vs. THG: 2.14 )
THG' s 10-Year Dividend Yield Range
Min: 0.46   Max: 3.46
Current: 2.14

0.46
3.46
Dividend Payout 0.24
THG's Dividend Payout is ranked higher than
85% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.61 vs. THG: 0.24 )
THG' s 10-Year Dividend Payout Range
Min: 0.05   Max: 1.41
Current: 0.24

0.05
1.41
Dividend growth (3y) 10.60
THG's Dividend growth (3y) is ranked higher than
83% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. THG: 10.60 )
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 higher than
60% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.62 vs. THG: 4.22 )
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
85% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. THG: 0.70 )
THG' s 10-Year Share Buyback Rate Range
Min: 5.1   Max: -5.7
Current: 0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
THG's Price/Tangible Book is ranked higher than
87% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.80 vs. THG: 1.21 )
THG' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 1.62
Current: 1.21

0.26
1.62
Price/DCF (Projected) 8.62
THG's Price/DCF (Projected) is ranked higher than
62% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. THG: 8.62 )
THG' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 8.44
Current: 8.62

0.21
8.44
Price/Median PS Value 0.98
THG's Price/Median PS Value is ranked higher than
91% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. THG: 0.98 )
THG' s 10-Year Price/Median PS Value Range
Min: 0.28   Max: 1.86
Current: 0.98

0.28
1.86
Price/Peter Lynch Fair Value 0.51
THG's Price/Peter Lynch Fair Value is ranked higher than
94% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. THG: 0.51 )
THG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.5   Max: 4.2
Current: 0.51

0.5
4.2
Price/Graham Number 0.78
THG's Price/Graham Number is ranked higher than
86% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. THG: 0.78 )
THG' s 10-Year Price/Graham Number Range
Min: 0.23   Max: 1.27
Current: 0.78

0.23
1.27
Earnings Yield (Greenblatt) 10.10
THG's Earnings Yield (Greenblatt) is ranked higher than
68% of the 247 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.90 vs. THG: 10.10 )
THG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 14.3
Current: 10.1

1.1
14.3
Forward Rate of Return (Yacktman) 13.30
THG's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.91 vs. THG: 13.30 )
THG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -31.9   Max: 38.6
Current: 13.3

-31.9
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

Articles On GuruFocus.com
Mercury General Corp. (MCY) Dividend Stock Analysis Jul 13 2012 
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10 Dividend Stocks Raising Their Payouts And Yields Mar 07 2011 
The Hanover Insurance Group Inc. (THG) CEO Frederick H Eppinger sells 42,915 Shares Jan 27 2011 
The Hanover Insurance Group Inc. Reports Operating Results (10-Q) Nov 04 2010 
The Hanover Insurance Group Inc. Reports Operating Results (10-Q) Aug 06 2010 
The Hanover Insurance Group Inc. Reports Operating Results (10-Q) May 07 2010 
The Hanover Insurance Group Inc. Reports Operating Results (10-Q) Nov 04 2009 
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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The Hanover Recognized Among "America's Best Employers" Apr 16 2015
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