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The Hanover Insurance GroupTHG +1.03%75 3-Year EBITDA Growth Rate is 65.90% as of Jun. 2026, which is 756% above its 10-year median of 7.70. GuruFocus rates THG with a GF Score™ of 75/100 and a GF Value™ of $206.51 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 293 Insurance companies, The Hanover Insurance Group ranks better than 90.78% on this metric.
During the past 12 months, The Hanover Insurance Group's average EBITDA Per Share Growth Rate was 39.20% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 65.90% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 6.50% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 4.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of The Hanover Insurance Group was 67.70% per year. The lowest was -44.40% per year. And the median was 7.70% per year.
The Hanover Insurance Group (NYSE:THG) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
The Hanover Insurance Group 3-Year EBITDA Growth Rate Related Terms
THG vs KNSL, MCY, SIGI: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, The Hanover Insurance Group's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
The Hanover Insurance Group 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, The Hanover Insurance Group's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where The Hanover Insurance Group's 3-Year EBITDA Growth Rate falls into.
The Hanover Insurance Group 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 65.90% mean?
The Hanover Insurance Group (THG) has a 3-Year EBITDA Growth Rate of 65.90% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for The Hanover Insurance Group and its competitors. This is 756% above median its historical median of 7.70. According to the industry distribution chart, The Hanover Insurance Group ranks #27 out of 293 companies in the Insurance industry, placing it in the top 9.2%.
Is The Hanover Insurance Group's 3-Year EBITDA Growth Rate too high?
The Hanover Insurance Group's current 3-Year EBITDA Growth Rate of 65.90% is 756% above median its 10-year median of 7.70. The Insurance industry median 3-Year EBITDA Growth Rate is 17.20. The Hanover Insurance Group's value of 65.90% is 283.1% above this industry median. Based on the distribution chart, The Hanover Insurance Group ranks #27 out of 293 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, The Hanover Insurance Group has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Hanover Insurance Group's 3-Year EBITDA Growth Rate compare to KNSL and MCY?
According to the Insurance industry distribution chart, The Hanover Insurance Group ranks #27 out of 293 companies for 3-Year EBITDA Growth Rate. This places The Hanover Insurance Group in the top 9% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 17.20. The Hanover Insurance Group's value of 65.90% is 283.1% above this benchmark. While the company's 10-year median is 7.70 vs. the industry median of 17.20, The Hanover Insurance Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.20, based on 293 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Hanover Insurance Group's current 3-Year EBITDA Growth Rate of 65.90% is 283.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for The Hanover Insurance Group and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Hanover Insurance Group's current 3-Year EBITDA Growth Rate is 65.90%, which is 756% above median its own 10-year median of 7.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Hanover Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, The Hanover Insurance Group (THG) is currently considered Modestly Overvalued. The stock's GF Value™ is $206.51, compared to a current price of $231.49 — trading 12.1% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 65.90%, which is 756% above median its 10-year median of 7.70 and 283.1% above the Insurance industry median of 17.20. The Hanover Insurance Group's overall GF Score™ is 75/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For The Hanover Insurance Group (THG), the current 3-Year EBITDA Growth Rate is 65.90% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is The Hanover Insurance Group (THG) Overvalued in 2026?
Based on GuruFocus' analysis, The Hanover Insurance Group stock appears to be overvalued.
The current stock price of $231.49 is trading 12.1% above its estimated GF Value™ of $206.51.
GuruFocus considers The Hanover Insurance Group to be Modestly Overvalued.
Key valuation signals for THG:
3-Year EBITDA Growth Rate: 65.90% (756% above median its 10-year median of 7.70)
GF Value™: $206.51 vs. price of $231.49 (12.1% above fair value)
Industry Position: 283.1% above the Insurance median (#27 of 293)
No single metric tells the full story. See the THG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Hanover Insurance Group Inc is a holding company whose primary business is offering property and casualty insurance products and services. The company markets itself through independent agents and brokers in the United States while conducting business through Hanover Insurance, Citizens and other THG subsidiaries. The company conducts business operations through four operating segments: Core Commercial, Specialty, Personal Lines, and Other. The company operates an investment portfolio that is exposed to fixed-income securities.
75GF Score
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