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Also traded in: Germany

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 0.42
THG's Cash to Debt is ranked lower than
79% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. THG: 0.42 )
Ranked among companies with meaningful Cash to Debt only.
THG' s Cash to Debt Range Over the Past 10 Years
Min: 0.41  Med: 0.73 Max: N/A
Current: 0.42
Equity to Asset 0.21
THG's Equity to Asset is ranked lower than
72% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.29 vs. THG: 0.21 )
Ranked among companies with meaningful Equity to Asset only.
THG' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.19 Max: 0.29
Current: 0.21
0.07
0.29
Interest Coverage 7.31
THG's Interest Coverage is ranked lower than
79% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.34 vs. THG: 7.31 )
Ranked among companies with meaningful Interest Coverage only.
THG' s Interest Coverage Range Over the Past 10 Years
Min: 0.39  Med: 6.56 Max: N/A
Current: 7.31
F-Score: 6
WACC vs ROIC
9.11%
10.03%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 8.73
THG's Operating margin (%) is ranked lower than
59% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.83 vs. THG: 8.73 )
Ranked among companies with meaningful Operating margin (%) only.
THG' s Operating margin (%) Range Over the Past 10 Years
Min: 0.55  Med: 7.17 Max: 12.77
Current: 8.73
0.55
12.77
Net-margin (%) 6.59
THG's Net-margin (%) is ranked lower than
60% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.04 vs. THG: 6.59 )
Ranked among companies with meaningful Net-margin (%) only.
THG' s Net-margin (%) Range Over the Past 10 Years
Min: 0.77  Med: 5.40 Max: 9.46
Current: 6.59
0.77
9.46
ROE (%) 11.53
THG's ROE (%) is ranked higher than
61% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.68 vs. THG: 11.53 )
Ranked among companies with meaningful ROE (%) only.
THG' s ROE (%) Range Over the Past 10 Years
Min: 0.98  Med: 8.96 Max: 11.78
Current: 11.53
0.98
11.78
ROA (%) 2.38
THG's ROA (%) is ranked higher than
50% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.39 vs. THG: 2.38 )
Ranked among companies with meaningful ROA (%) only.
THG' s ROA (%) Range Over the Past 10 Years
Min: 0.22  Med: 1.87 Max: 2.57
Current: 2.38
0.22
2.57
Revenue Growth (3Y)(%) 3.50
THG's Revenue Growth (3Y)(%) is ranked lower than
64% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. THG: 3.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
THG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.1  Med: 2.40 Max: 22.3
Current: 3.5
-4.1
22.3
EBITDA Growth (3Y)(%) 61.90
THG's EBITDA Growth (3Y)(%) is ranked higher than
94% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. THG: 61.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
THG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -20.40 Max: 67.6
Current: 61.9
0
67.6
EPS Growth (3Y)(%) 93.50
THG's EPS Growth (3Y)(%) is ranked higher than
98% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. THG: 93.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
THG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -91.8  Med: 1.70 Max: 1093.5
Current: 93.5
-91.8
1093.5
» THG's 10-Y Financials

Financials (Next Earnings Date: 2016-05-04)


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

» Details

Guru Trades

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
Q2 2015

THG Guru Trades in Q2 2015

Joel Greenblatt 4,400 sh (+11.08%)
David Dreman 210,431 sh (+8.91%)
Pioneer Investments 354,034 sh (+1.62%)
John Keeley 800,795 sh (-4.50%)
Paul Tudor Jones 9,746 sh (-9.98%)
Jim Simons 138,900 sh (-43.00%)
» More
Q3 2015

THG Guru Trades in Q3 2015

Steven Cohen 113,200 sh (New)
Jeremy Grantham 51,000 sh (New)
Jim Simons 173,900 sh (+25.20%)
Paul Tudor Jones 12,000 sh (+23.13%)
Pioneer Investments 391,790 sh (+10.66%)
John Keeley 767,449 sh (-4.16%)
Joel Greenblatt 3,675 sh (-16.48%)
David Dreman 147,952 sh (-29.69%)
» More
Q4 2015

THG Guru Trades in Q4 2015

Jim Simons 261,100 sh (+50.14%)
Jeremy Grantham 66,700 sh (+30.78%)
Paul Tudor Jones 12,724 sh (+6.03%)
Joel Greenblatt 3,870 sh (+5.31%)
Pioneer Investments 394,604 sh (+0.72%)
David Dreman Sold Out
Steven Cohen Sold Out
John Keeley 677,111 sh (-11.77%)
» 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) 11.61
THG's P/E(ttm) is ranked higher than
63% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.95 vs. THG: 11.61 )
Ranked among companies with meaningful P/E(ttm) only.
THG' s P/E(ttm) Range Over the Past 10 Years
Min: 8.41  Med: 12.38 Max: 114.56
Current: 11.61
8.41
114.56
PE(NRI) 11.62
THG's PE(NRI) is ranked higher than
62% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.91 vs. THG: 11.62 )
Ranked among companies with meaningful PE(NRI) only.
THG' s PE(NRI) Range Over the Past 10 Years
Min: 9.14  Med: 13.61 Max: 62.91
Current: 11.62
9.14
62.91
Price/Owner Earnings (ttm) 8.46
THG's Price/Owner Earnings (ttm) is ranked higher than
66% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.91 vs. THG: 8.46 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
THG' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.04  Med: 12.53 Max: 97.96
Current: 8.46
6.04
97.96
P/B 1.28
THG's P/B is ranked lower than
51% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. THG: 1.28 )
Ranked among companies with meaningful P/B only.
THG' s P/B Range Over the Past 10 Years
Min: 0.57  Med: 0.97 Max: 1.52
Current: 1.28
0.57
1.52
P/S 0.76
THG's P/S is ranked higher than
70% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. THG: 0.76 )
Ranked among companies with meaningful P/S only.
THG' s P/S Range Over the Past 10 Years
Min: 0.35  Med: 0.70 Max: 1.11
Current: 0.76
0.35
1.11
PFCF 9.24
THG's PFCF is ranked lower than
53% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.80 vs. THG: 9.24 )
Ranked among companies with meaningful PFCF only.
THG' s PFCF Range Over the Past 10 Years
Min: 4.37  Med: 9.48 Max: 43.19
Current: 9.24
4.37
43.19
POCF 8.82
THG's POCF is ranked higher than
51% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.15 vs. THG: 8.82 )
Ranked among companies with meaningful POCF only.
THG' s POCF Range Over the Past 10 Years
Min: 4.02  Med: 9.30 Max: 90.52
Current: 8.82
4.02
90.52
EV-to-EBIT 8.34
THG's EV-to-EBIT is ranked higher than
61% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.23 vs. THG: 8.34 )
Ranked among companies with meaningful EV-to-EBIT only.
THG' s EV-to-EBIT Range Over the Past 10 Years
Min: 7  Med: 9.50 Max: 33.6
Current: 8.34
7
33.6
EV-to-EBITDA 7.86
THG's EV-to-EBITDA is ranked higher than
56% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.50 vs. THG: 7.86 )
Ranked among companies with meaningful EV-to-EBITDA only.
THG' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.6  Med: 8.90 Max: 23.3
Current: 7.86
6.6
23.3
PEG 0.38
THG's PEG is ranked higher than
75% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. THG: 0.38 )
Ranked among companies with meaningful PEG only.
THG' s PEG Range Over the Past 10 Years
Min: 0.29  Med: 1.25 Max: 24.89
Current: 0.38
0.29
24.89
Shiller P/E 22.00
THG's Shiller P/E is ranked lower than
84% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.36 vs. THG: 22.00 )
Ranked among companies with meaningful Shiller P/E only.
THG' s Shiller P/E Range Over the Past 10 Years
Min: 18.67  Med: 31.66 Max: 70.71
Current: 22
18.67
70.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.01
THG's Dividend Yield is ranked lower than
84% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.58 vs. THG: 2.01 )
Ranked among companies with meaningful Dividend Yield only.
THG' s Dividend Yield Range Over the Past 10 Years
Min: 0.46  Med: 2.12 Max: 3.46
Current: 2.01
0.46
3.46
Dividend Payout 0.23
THG's Dividend Payout is ranked higher than
78% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.35 vs. THG: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
THG' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.20 Max: 125
Current: 0.23
0.04
125
Dividend Growth (3y) 11.20
THG's Dividend Growth (3y) is ranked higher than
52% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. THG: 11.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
THG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 7.70 Max: 35.7
Current: 11.2
0
35.7
Forward Dividend Yield 2.12
THG's Forward Dividend Yield is ranked lower than
74% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.11 vs. THG: 2.12 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.37
THG's Yield on cost (5-Year) is ranked lower than
74% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.28 vs. THG: 3.37 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
THG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.77  Med: 3.56 Max: 5.8
Current: 3.37
0.77
5.8
3-Year Average Share Buyback Ratio 0.40
THG's 3-Year Average Share Buyback Ratio is ranked higher than
69% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. THG: 0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
THG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -3.5  Med: 0.70 Max: 5.1
Current: 0.4
-3.5
5.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.39
THG's Price/Tangible Book is ranked higher than
53% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.45 vs. THG: 1.39 )
Ranked among companies with meaningful Price/Tangible Book only.
THG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.26  Med: 1.09 Max: 1.59
Current: 1.39
0.26
1.59
Price/Projected FCF 1.13
THG's Price/Projected FCF is ranked lower than
74% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.81 vs. THG: 1.13 )
Ranked among companies with meaningful Price/Projected FCF only.
THG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.21  Med: 1.06 Max: 4.27
Current: 1.13
0.21
4.27
Price/DCF (Earnings Based) 0.90
THG's Price/DCF (Earnings Based) is ranked higher than
64% of the 14 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. THG: 0.90 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.10
THG's Price/Median PS Value is ranked lower than
66% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. THG: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
THG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.26  Med: 1.10 Max: 1.76
Current: 1.1
0.26
1.76
Price/Peter Lynch Fair Value 0.47
THG's Price/Peter Lynch Fair Value is ranked higher than
70% of the 40 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.63 vs. THG: 0.47 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
THG' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.44  Med: 1.15 Max: 4.2
Current: 0.47
0.44
4.2
Price/Graham Number 0.85
THG's Price/Graham Number is ranked higher than
63% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. THG: 0.85 )
Ranked among companies with meaningful Price/Graham Number only.
THG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.23  Med: 0.84 Max: 31.15
Current: 0.85
0.23
31.15
Earnings Yield (Greenblatt) (%) 11.95
THG's Earnings Yield (Greenblatt) (%) is ranked higher than
64% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. THG: 11.95 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
THG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3  Med: 10.50 Max: 14.3
Current: 11.95
3
14.3
Forward Rate of Return (Yacktman) (%) 36.79
THG's Forward Rate of Return (Yacktman) (%) is ranked higher than
77% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.77 vs. THG: 36.79 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
THG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -22.5  Med: 4.20 Max: 37.1
Current: 36.79
-22.5
37.1

More Statistics

Revenue(Mil) $5034
EPS $ 7.40
Beta1.09
Short Percentage of Float0.70%
52-Week Range $69.74 - 91.30
Shares Outstanding(Mil)42.82

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:XMCE:GCO, NYSE:AWH, NYSE:MCY, NYSE:RLI, LSE:BEZ » 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 NYSE:THG

Headlines

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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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