Switch to:

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 0.56
THG's Cash to Debt is ranked higher than
64% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. THG: 0.56 )
THG' s 10-Year Cash to Debt Range
Min: 0.33   Max: No Debt
Current: 0.56

Equity to Asset 0.20
THG's Equity to Asset is ranked higher than
62% of the 212 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. THG: 0.20 )
THG' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.3
Current: 0.2

0.07
0.3
Interest Coverage 5.04
THG's Interest Coverage is ranked higher than
53% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 vs. THG: 5.04 )
THG' s 10-Year Interest Coverage Range
Min: 0.41   Max: 5.04
Current: 5.04

0.41
5.04
F-Score: 6
Z-Score: 0.77
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 (%) 6.85
THG's Operating margin (%) is ranked higher than
65% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. THG: 6.85 )
THG' s 10-Year Operating margin (%) Range
Min: -15.71   Max: 10.57
Current: 6.85

-15.71
10.57
Net-margin (%) 5.23
THG's Net-margin (%) is ranked higher than
65% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. THG: 5.23 )
THG' s 10-Year Net-margin (%) Range
Min: -12.39   Max: 9.4
Current: 5.23

-12.39
9.4
ROE (%) 9.79
THG's ROE (%) is ranked higher than
71% of the 212 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. THG: 9.79 )
THG' s 10-Year ROE (%) Range
Min: -15.16   Max: 12.59
Current: 9.79

-15.16
12.59
ROA (%) 1.92
THG's ROA (%) is ranked higher than
66% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. THG: 1.92 )
THG' s 10-Year ROA (%) Range
Min: -1.89   Max: 2.57
Current: 1.92

-1.89
2.57
Revenue Growth (%) 16.20
THG's Revenue Growth (%) is ranked higher than
91% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. THG: 16.20 )
THG' s 10-Year Revenue Growth (%) Range
Min: -8.2   Max: 22.3
Current: 16.2

-8.2
22.3
EBITDA Growth (%) 24.80
THG's EBITDA Growth (%) is ranked higher than
88% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. THG: 24.80 )
THG' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 38.5
Current: 24.8

0
38.5
EPS Growth (%) 18.20
THG's EPS Growth (%) is ranked higher than
83% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. THG: 18.20 )
THG' s 10-Year EPS Growth (%) Range
Min: -34.8   Max: 51.4
Current: 18.2

-34.8
51.4
» THG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

THG Guru Trades in Q4 2013

Jim Simons 176,900 sh (+70.92%)
David Dreman 212,005 sh (+11.61%)
John Keeley 1,062,480 sh (+1.95%)
HOTCHKIS & WILEY 97,200 sh (unchged)
Columbia Wanger 500,000 sh (unchged)
Steven Cohen 5,754 sh (-46.2%)
Paul Tudor Jones 5,100 sh (-55.26%)
» More
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%)
Columbia Wanger 500,000 sh (unchged)
HOTCHKIS & WILEY 97,200 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 (-6.5%)
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-03-31 New Buy$53.14 - $61.32 $ 71.3722%4611
David Dreman 2013-09-30 Reduce -70.8%0.69%$48.67 - $56.06 $ 71.3734%189955
David Dreman 2013-06-30 Reduce -14.83%0.15%$46.73 - $51.66 $ 71.3745%650574
HOTCHKIS & WILEY 2013-06-30 Add 659.38%0.02%$46.73 - $51.66 $ 71.3745%97200
HOTCHKIS & WILEY 2012-06-30 Reduce -82.68%0.01%$37 - $40.92 $ 71.3783%12800
Ray Dalio 2011-12-31 Sold Out 0.04%$33.26 - $39.02 $ 71.37100%0
Robert Olstein 2011-09-30 Sold Out 1.0842%$31.22 - $37.73 $ 71.37102%0
Ray Dalio 2011-09-30 Add 1134.97%0.04%$31.22 - $37.73 $ 71.37102%77791
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.20
THG's P/E(ttm) is ranked higher than
74% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. THG: 12.20 )
THG' s 10-Year P/E(ttm) Range
Min: 8.41   Max: 114.56
Current: 12.2

8.41
114.56
P/B 1.10
THG's P/B is ranked higher than
81% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.32 vs. THG: 1.10 )
THG' s 10-Year P/B Range
Min: 0.57   Max: 1.55
Current: 1.1

0.57
1.55
P/S 0.60
THG's P/S is ranked higher than
91% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. THG: 0.60 )
THG' s 10-Year P/S Range
Min: 0.35   Max: 1.08
Current: 0.6

0.35
1.08
EV-to-EBIT 10.27
THG's EV-to-EBIT is ranked higher than
70% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. THG: 10.27 )
THG' s 10-Year EV-to-EBIT Range
Min: 7.5   Max: 170.1
Current: 10.27

7.5
170.1
PEG 2.30
THG's PEG is ranked higher than
84% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. THG: 2.30 )
THG' s 10-Year PEG Range
Min: 0.19   Max: 27.38
Current: 2.3

0.19
27.38
Shiller P/E 20.60
THG's Shiller P/E is ranked higher than
76% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.39 vs. THG: 20.60 )
THG' s 10-Year Shiller P/E Range
Min: 10.65   Max: 472.3
Current: 20.6

10.65
472.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.10
THG's Dividend Yield is ranked lower than
58% of the 177 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.56 vs. THG: 2.10 )
THG' s 10-Year Dividend Yield Range
Min: 0.52   Max: 3.46
Current: 2.1

0.52
3.46
Dividend Payout 0.26
THG's Dividend Payout is ranked higher than
81% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. THG: 0.26 )
THG' s 10-Year Dividend Payout Range
Min: 0.03   Max: 5
Current: 0.26

0.03
5
Dividend growth (3y) 10.80
THG's Dividend growth (3y) is ranked higher than
86% of the 146 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.80 vs. THG: 10.80 )
THG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 35.7
Current: 10.8

0
35.7
Yield on cost (5-Year) 4.22
THG's Yield on cost (5-Year) is ranked higher than
64% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.41 vs. THG: 4.22 )
THG' s 10-Year Yield on cost (5-Year) Range
Min: 1.05   Max: 6.96
Current: 4.22

1.05
6.96
Share Buyback Rate 1.00
THG's Share Buyback Rate is ranked higher than
83% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. THG: 1.00 )
THG' s 10-Year Share Buyback Rate Range
Min: 5.1   Max: -5.7
Current: 1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
THG's Price/Tangible Book is ranked higher than
83% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. THG: 1.20 )
THG' s 10-Year Price/Tangible Book Range
Min: 0.28   Max: 1.62
Current: 1.2

0.28
1.62
Price/DCF (Projected) 9.60
THG's Price/DCF (Projected) is ranked higher than
61% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. THG: 9.60 )
THG' s 10-Year Price/DCF (Projected) Range
Min: 0.18   Max: 28.36
Current: 9.6

0.18
28.36
Price/Median PS Value 1.00
THG's Price/Median PS Value is ranked higher than
84% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. THG: 1.00 )
THG' s 10-Year Price/Median PS Value Range
Min: 0.25   Max: 2.71
Current: 1

0.25
2.71
Price/Peter Lynch Fair Value 0.80
THG's Price/Peter Lynch Fair Value is ranked higher than
91% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. THG: 0.80 )
THG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.41   Max: 4.3
Current: 0.8

0.41
4.3
Price/Graham Number 0.80
THG's Price/Graham Number is ranked higher than
82% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. THG: 0.80 )
THG' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 32.05
Current: 0.8

0.56
32.05
Earnings Yield (Greenblatt) 9.70
THG's Earnings Yield (Greenblatt) is ranked higher than
69% of the 211 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. THG: 9.70 )
THG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 13.3
Current: 9.7

0.6
13.3
Forward Rate of Return (Yacktman) 16.65
THG's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.25 vs. THG: 16.65 )
THG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.6   Max: 53.7
Current: 16.65

-12.6
53.7

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:AF4.Germany
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 fue
» More Articles for THG

Headlines

Articles On GuruFocus.com
Mercury General Corp. (MCY) Dividend Stock Analysis Jul 13 2012 
Dividend Stocks Showing Investors the money Mar 07 2011 
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 

More From Our Partners
InsiderInsights.com Daily Round Up 11/18/14: NES, TTS, RCAP, GSAT Nov 19 2014 - SEEKINGALPHA

More From Other Websites
Five Simple Car Care Tips For Safe Holiday Travel Plus Online Support From The Hanover Nov 25 2014
Lightning Round: Do not own this Nov 24 2014
Insider Trading Alert - FNFG, IVR And THG Traded By Insiders Nov 19 2014
Insider Trading Alert - THG, HLF And XLNX Traded By Insiders Nov 13 2014
The Hanover Insurance Group Names Richard Lavey President, Personal Lines Nov 10 2014
The Hanover Insurance Group Names Richard Lavey President, Personal Lines Nov 10 2014
HANOVER INSURANCE GROUP, INC. Financials Nov 06 2014
HANOVER INSURANCE GROUP, INC. Files SEC form 8-K, Change in Directors or Principal Officers Nov 03 2014
10-Q for The Hanover Insurance Group, Inc. Nov 01 2014
HANOVER INSURANCE GROUP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 30 2014
Hanover Insurance beats 3Q profit forecasts Oct 30 2014
Hanover Insurance beats 3Q profit forecasts Oct 30 2014
The Hanover Reports Third Quarter Net Income of $1.22 per Diluted Share; Operating Income(1) of... Oct 29 2014
Q3 2014 Hanover Insurance Group Inc Earnings Release - After Market Close Oct 29 2014
The Hanover Expands Its Healthcare Capabilities, Providing More Opportunities For Its Partners To... Oct 14 2014
The Hanover Warns About Four Common Crime Schemes In Business Oct 09 2014
The Hanover Insurance Group, Inc. To Issue Third Quarter 2014 Financial Results On October 29 Oct 01 2014
The Hanover Recognized Among The "Best Places to Work in Insurance" Sep 26 2014
The Hanover Insurance Group To Present At The Keefe, Bruyette & Woods Insurance Conference Aug 20 2014
Ranking P&C Reserving Conservatism Aug 20 2014
The Hanover Insurance Group, Inc. Declares Quarterly Dividend Of $0.37 Per Common Share Aug 19 2014
HANOVER INSURANCE GROUP, INC. Files SEC form 10-Q/A, Quarterly Report Aug 05 2014
Time is Money: SUrvey Finds Homeowners Receive Insurance Claim Payments Faster When They Have a Home... Aug 04 2014
HANOVER INSURANCE GROUP, INC. Files SEC form 10-Q, Quarterly Report Aug 01 2014
The Hanover Insurance Group, Inc. To Issue First Quarter 2014 Financial Results On April 29 Mar 24 2014
The Hanover Bucks Insurance Commoditization Trend With Platinum Experience Launch Mar 13 2014
The Hanover Insurance Group, Inc. Declares Quarterly Dividend Of $0.37 Per Common Share Feb 19 2014
The Hanover Insurance Group to Present at the Bank of America Merrill Lynch 2014 Insurance... Jan 29 2014
The Hanover Continues To Grow Its Healthcare Capabilities Jan 08 2014
The Hanover Insurance Group, Inc. To Issue Fourth Quarter 2013 Financial Results On February 5 Jan 06 2014
The Hanover Insurance Group, Inc. Increases Quarterly Dividend To $0.37 Per Common Share Dec 06 2013
As Holiday Shopping Rises, So Does Threat Of Identity Theft Nov 25 2013

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK