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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 0.67
THG's Cash to Debt is ranked higher than
63% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.36 vs. THG: 0.67 )
THG' s 10-Year Cash to Debt Range
Min: 0.33   Max: No Debt
Current: 0.67

Equity to Asset 0.20
THG's Equity to Asset is ranked higher than
62% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 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 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 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: 0.72
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 (%) 6.87
THG's Operating margin (%) is ranked higher than
64% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. THG: 6.87 )
THG' s 10-Year Operating margin (%) Range
Min: -15.71   Max: 10.57
Current: 6.87

-15.71
10.57
Net-margin (%) 5.24
THG's Net-margin (%) is ranked higher than
64% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. THG: 5.24 )
THG' s 10-Year Net-margin (%) Range
Min: -12.39   Max: 9.4
Current: 5.24

-12.39
9.4
ROE (%) 9.67
THG's ROE (%) is ranked higher than
73% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. THG: 9.67 )
THG' s 10-Year ROE (%) Range
Min: -16.67   Max: 13.2
Current: 9.67

-16.67
13.2
ROA (%) 1.88
THG's ROA (%) is ranked higher than
66% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.65 vs. THG: 1.88 )
THG' s 10-Year ROA (%) Range
Min: -3.06   Max: 2.58
Current: 1.88

-3.06
2.58
Revenue Growth (%) 16.20
THG's Revenue Growth (%) is ranked higher than
92% of the 178 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
87% of the 164 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. THG: 24.80 )
THG' s 10-Year EBITDA Growth (%) Range
Min: -56.5   Max: 72.9
Current: 24.8

-56.5
72.9
EPS Growth (%) 18.20
THG's EPS Growth (%) is ranked higher than
85% of the 168 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 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

Q3 2013

THG Guru Trades in Q3 2013

Steven Cohen 10,696 sh (New)
Jim Simons 103,500 sh (+251.78%)
John Keeley 1,042,120 sh (+1.47%)
HOTCHKIS & WILEY 97,200 sh (unchged)
Columbia Wanger 500,000 sh (unchged)
Paul Tudor Jones 11,400 sh (-20.28%)
David Dreman 189,955 sh (-70.8%)
» More
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%)
Columbia Wanger 500,000 sh (unchged)
HOTCHKIS & WILEY 97,200 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
» 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 $ 63.268%4611
David Dreman 2013-09-30 Reduce -70.8%0.69%$48.67 - $56.06 $ 63.2619%189955
David Dreman 2013-06-30 Reduce -14.83%0.15%$46.73 - $51.66 $ 63.2629%650574
Ray Dalio 2011-12-31 Sold Out 0.04%$33.26 - $39.02 $ 63.2677%0
Ray Dalio 2011-09-30 Add 1134.97%0.04%$31.22 - $37.73 $ 63.2679%77791
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.50
THG's P/E(ttm) is ranked higher than
79% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.20 vs. THG: 10.50 )
THG' s 10-Year P/E(ttm) Range
Min: 8.41   Max: 114.56
Current: 10.5

8.41
114.56
P/B 1.00
THG's P/B is ranked higher than
78% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. THG: 1.00 )
THG' s 10-Year P/B Range
Min: 0.57   Max: 1.55
Current: 1

0.57
1.55
P/S 0.60
THG's P/S is ranked higher than
91% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. THG: 0.60 )
THG' s 10-Year P/S Range
Min: 0.35   Max: 1.08
Current: 0.6

0.35
1.08
PFCF 5.70
THG's PFCF is ranked higher than
82% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. THG: 5.70 )
THG' s 10-Year PFCF Range
Min: 4.16   Max: 173.44
Current: 5.7

4.16
173.44
EV-to-EBIT 8.71
THG's EV-to-EBIT is ranked higher than
80% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.33 vs. THG: 8.71 )
THG' s 10-Year EV-to-EBIT Range
Min: 7.5   Max: 170.1
Current: 8.71

7.5
170.1
PEG 2.00
THG's PEG is ranked higher than
80% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. THG: 2.00 )
THG' s 10-Year PEG Range
Min: 0.22   Max: 27.38
Current: 2

0.22
27.38
Shiller P/E 20.60
THG's Shiller P/E is ranked higher than
57% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.78 vs. THG: 20.60 )
THG' s 10-Year Shiller P/E Range
Min: 10.59   Max: 393.58
Current: 20.6

10.59
393.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.30
THG's Dividend Yield is ranked lower than
52% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.46 vs. THG: 2.30 )
THG' s 10-Year Dividend Yield Range
Min: 0.52   Max: 3.46
Current: 2.3

0.52
3.46
Dividend Payout 0.24
THG's Dividend Payout is ranked higher than
81% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.46 vs. THG: 0.24 )
THG' s 10-Year Dividend Payout Range
Min: 0.03   Max: 5
Current: 0.24

0.03
5
Dividend growth (3y) 10.80
THG's Dividend growth (3y) is ranked higher than
84% of the 122 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) 4.63
THG's Yield on cost (5-Year) is ranked higher than
74% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.07 vs. THG: 4.63 )
THG' s 10-Year Yield on cost (5-Year) Range
Min: 1.05   Max: 6.96
Current: 4.63

1.05
6.96
Share Buyback Rate 1.00
THG's Share Buyback Rate is ranked higher than
80% of the 157 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: -3.5
Current: 1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.07
THG's Price/Tangible Book is ranked higher than
82% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.50 vs. THG: 1.07 )
THG' s 10-Year Price/Tangible Book Range
Min: 0.28   Max: 1.62
Current: 1.07

0.28
1.62
Price/DCF (Projected) 2.15
THG's Price/DCF (Projected) is ranked higher than
52% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. THG: 2.15 )
THG' s 10-Year Price/DCF (Projected) Range
Min: 0.18   Max: 28.36
Current: 2.15

0.18
28.36
Price/Median PS Value 0.88
THG's Price/Median PS Value is ranked higher than
81% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. THG: 0.88 )
THG' s 10-Year Price/Median PS Value Range
Min: 0.25   Max: 2.71
Current: 0.88

0.25
2.71
Price/Peter Lynch Fair Value 1.07
THG's Price/Peter Lynch Fair Value is ranked higher than
91% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. THG: 1.07 )
THG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.41   Max: 4.3
Current: 1.07

0.41
4.3
Price/Graham Number 0.71
THG's Price/Graham Number is ranked higher than
88% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. THG: 0.71 )
THG' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 32.05
Current: 0.71

0.56
32.05
Earnings Yield (Greenblatt) 11.60
THG's Earnings Yield (Greenblatt) is ranked higher than
69% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. THG: 11.60 )
THG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 13.3
Current: 11.6

0.6
13.3
Forward Rate of Return (Yacktman) 4.42
THG's Forward Rate of Return (Yacktman) is ranked higher than
65% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. THG: 4.42 )
THG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -16.4   Max: 46.9
Current: 4.42

-16.4
46.9

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 main business operations include insurance products and services in four property and casualty operating segments. These segments are Personal Lines, Commercial Lines, Chaucer and Other Property and Casualty. 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. Connections Auto utilizes a multivariate rating application which calculates rates based upon the magnitude and correlation of multiple risk factors and is intended to improve the Company and its agents' competitiveness in its target market segments by offering policies that are more appropriately priced to be commensurate with the underlying risks. Homeowners' coverage insures individuals for losses to their residences and personal property, such as those caused by fire, wind, hail, water damage except for flooding, theft and vandalism, and against third party liability claims. The Company's homeowners' product, Connections Home, is available in sixteen states. It is intended to improve its competitiveness for total account business by making it easier and more efficient for its agents to write business with the company and by providing more coverage options for policyholders. The Company's other personal lines is comprised of personal inland marine, umbrella, fire, personal watercraft, earthquake and other miscellaneous coverage. Avenues, its Commercial Lines product suite, provides agents and customers with products designed for small, middle, and specialized markets. Commercial Lines coverages include: Commercial multiple peril coverage insures businesses against third party 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 except for flooding, 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 other 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. Other commercial lines are comprised of inland marine, which insures businesses against physical losses to property, such as contractor's equipment, builders' risk and goods in transit. Chaucer is a specialist insurance group that participates in the Lloyd's market through the provision of capital to support the underwriting activities of syndicates at Lloyd's and the ownership of Cha
» More Articles for THG

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