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Home CompaniesThe Hanover Insurance Group Inc

The Hanover Insurance Group Inc

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
249.385 USD 0.85 ( 0.34%)
Last update at 2026-11-12T15:36:00Z
VOLUME
36949
Market Cap
8107.19M
P/E
11.06

Momentum Score

…

The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services for individuals and businesses in the United States. It operates in four segments: Core Commercial, Specialty, Personal Lines, and Other. The company offers commercial multiple peril, commercial automobile, workers' compensation, and other core commercial coverage; and professional and executive lines, marine, and surety and other, as well as specialty property and casualty products comprising Hanover program business, excess and surplus business, Hanover specialty industrial, and specialty general liability business coverage. It also provides personal automobile; and homeowners and other personal lines, including residences and personal property, liability claims, personal umbrella, inland marine, fire, personal watercraft, personal cyber, and other miscellaneous coverages. In addition, the company offers insurance products for collector cars, motorcycles, off-road vehicles, condominiums, valuable items, business owners, international, and management and professional liability; and for the construction, cultural and educational institutions, financial intuitions, healthcare, human services, life sciences, manufacturing, professional services, real estate, retail, technology, and wholesale and distribution industries. It markets its products and services through independent agents and brokers. The company was formerly known as Allmerica Financial Corp. and changed its name to The Hanover Insurance Group, Inc. in December 2005. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts.

Source: TradingView
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Day Price Range
247.59
Low
251.88
High
52 Week Price Range
163.54
Low
235.07
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
248.53
Dividend Yield
1.62%
Revenue TTM
6764.40M
Revenue Per Share
191.09
Gross Profit TTM
1704.00M
Debt / Equity
0.34
ROE
21.89%
Net Debt
95.60M
ROCE
15.55%
Diluted EPS TTM
21.05

Insight News

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Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 843.80M 537.80M 41.10M 144.00M 521.30M
Net income 662.50M 426.00M 35.30M 116.00M 418.70M
Gross profit 2868.20M 1237.70M 652.90M 5468.60M 5227.80M
Reconciled depreciation -4.60M 1.50M 6.30M 12.90M 16.90M
Ebit 887.00M 571.90M 75.20M 177.30M 520.00M
Ebitda 882.40M 573.40M 81.50M 190.20M 536.90M
Depreciation and amortization -4.60M 1.50M 6.30M 12.90M 16.90M
Operating income 843.80M 537.80M 41.10M 177.30M 520.00M
Other operating expenses 5753.70M 5679.00M 5922.40M 5324.60M 4706.50M
Interest expense 43.20M 34.10M 34.10M 34.10M 34.00M
Tax provision 183.10M 112.50M 7.60M 27.20M 101.30M
Interest income 24.40M 19.90M 39.70M 97.40M 85.10M
Net interest income -43.20M -34.10M -34.10M -34.10M -34.00M
Extraordinary items 1.80M 0.70M 1.80M -0.80M -1.30M
Income tax expense 183.10M 112.50M 7.60M 27.20M 101.30M
Total revenue 6597.50M 6216.80M 5963.50M 5468.60M 5227.80M
Total operating expenses 2024.40M 699.90M 611.80M 573.90M -4707.80M
Cost of revenue 3729.30M 4979.10M 5310.60M - -
Total other income expense net -46.30M -34.10M -34.10M -33.30M 1.30M
Discontinued operations - - - -0.80M -1.30M
Net income from continuing ops 660.70M 425.30M 33.50M 116.80M 420.00M
Net income applicable to common shares 662.50M 426.00M 35.30M 116.00M 418.70M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 16945.90M 15274.50M 14612.60M 13997.20M 14254.30M
Intangible assets 703.00M 662.80M 620.80M - -
Other current assets -2984.00M -1587.60M 2548.50M -1964.50M -1908.70M
Total liab 13374.40M 12432.70M 12147.00M 11671.60M 11109.40M
Total stockholder equity 3571.50M 2841.80M 2465.60M 2325.60M 3144.90M
Deferred long term liab - - - - 60.80M
Other current liab 7755.20M -37.70M 5252.00M 661.40M -55.10M
Common stock 0.60M 0.60M 0.60M 0.60M 0.60M
Capital stock 0.60M 0.60M 0.60M 0.60M 0.60M
Retained earnings 3741.60M 3209.60M 2909.40M 2988.80M 2983.20M
Other liab - - - - 60.80M
Good will 178.80M 178.80M 178.80M 178.80M 178.80M
Other assets 13961.90M 12685.20M 11813.30M 10926.70M 2082.60M
Cash 1122.70M 435.50M 316.10M 305.00M 230.90M
Cash and equivalents 1122.70M 435.50M 316.10M 305.00M 230.90M
Total current liabilities 11240.80M 819.60M 6092.20M 731.70M 55.10M
Current deferred revenue 3440.40M - - - -
Net debt 95.60M 348.60M 467.10M 477.40M 550.70M
Short term debt 375.00M 61.80M 0.00M 0.00M 781.00M
Short long term debt - 61.80M 0.00M - -
Short long term debt total 1218.30M 784.10M 783.20M 782.40M 781.60M
Other stockholder equity 0.70M 87.90M 72.80M 41.70M 38.90M
Total current assets 6949.00M 5888.20M 12121.30M 2692.50M 3607.70M
Long term investments 9721.30M 8699.90M 8116.20M 8564.30M 9202.40M
Net tangible assets - - - 2146.80M 2966.10M
Short term investments 1873.80M 1587.60M 7985.30M 786.10M 767.40M
Net receivables 3952.50M 3865.10M 3819.90M 3565.90M 3376.80M
Long term debt 843.30M 722.30M 783.20M 782.40M 781.60M
Inventory - - -7032.00M 786.10M -
Accounts payable 45.20M 37.70M 64.30M 70.30M 55.10M
Accumulated other comprehensive income -171.40M -456.30M -517.20M -705.50M 122.20M
Common stock total equity - - - 0.60M 0.60M
Retained earnings total equity - - - 2988.80M 2983.20M
Treasury stock - - - -1871.40M -1848.30M
Non currrent assets other 522.90M 548.30M 590.60M -7723.70M -8564.00M
Non current assets total 9996.90M 9386.30M 2491.30M 378.00M 8564.00M
Long term debt total 843.30M 722.30M 783.20M 782.40M 781.60M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -658.50M -540.90M -228.50M -853.90M -548.30M
Change to liabilities - - - 788.00M 856.00M
Total cashflows from investing activities -666.20M -541.50M -228.50M -507.60M -460.20M
Net borrowings 433.20M 0.00M 0.00M - -
Total cash from financing activities 175.20M -145.50M -122.10M -140.60M -253.20M
Change to operating activities - - - 678.00M 748.60M
Net income 662.50M 426.00M 35.30M 116.00M 418.70M
Change in cash 687.20M 119.40M 11.10M 74.10M 110.30M
Begin period cash flow 435.50M 316.10M 305.00M 230.90M 120.60M
End period cash flow 1122.70M 435.50M 316.10M 305.00M 230.90M
Total cash from operating activities 1178.10M 806.40M 361.70M 722.30M 823.70M
Depreciation -4.60M 1.50M 6.30M 12.90M 16.90M
Other cashflows from investing activities -681.50M -0.60M -216.60M 364.10M 96.10M
Dividends paid 130.60M 124.10M 117.20M -108.90M -102.20M
Change to account receivables -69.60M -60.10M -201.90M -173.90M -156.30M
Sale purchase of stock -129.20M -26.70M 6.50M -30.80M -162.60M
Other cashflows from financing activities -13.60M 5.30M -4.90M -0.90M 11.60M
Change to netincome - - - 89.00M -76.20M
Capital expenditures 7.70M 10.20M 11.90M 17.80M 8.00M
Change receivables - - - -173.90M -156.30M
Cash flows other operating - - - -109.60M -234.90M
Cash and cash equivalents changes - - - 74.10M 110.30M
Change in working capital 417.40M 220.90M 272.10M 561.30M 625.20M
Stock based compensation 35.60M 31.00M 31.10M 29.00M 22.90M
Other non cash items 102.80M 145.80M 41.50M 49.60M -283.90M
Free cash flow 1170.40M 796.20M 349.80M 704.50M 815.70M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
THG
The Hanover Insurance Group Inc		 0.85
0.34%		 249.38 11.06 11.85 1.20 2.19 1.28
CB
Chubb Ltd		 2.37
0.64%		 372.70 12.11 11.83 2.13 1.75 2.45
PGR
Progressive Corp		 1.76
0.75%		 235.29 11.10 13.55 1.41 3.74 1.50
TKOMF
Tokio Marine Holdings Inc.		 -
-%		 3.53 28.94 12.24 0.01 1.87 1.61
TKOMY
Tokio Marine Holdings Inc		 -
-%		 3.72 28.73 12.25 0.01 1.87 1.61

Profile*

The Hanover Insurance Group Inc

The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services for individuals and businesses in the United States. It operates in four segments: Core Commercial, Specialty, Personal Lines, and Other. The company offers commercial multiple peril, commercial automobile, workers' compensation, and other core commercial coverage; and professional and executive lines, marine, and surety and other, as well as specialty property and casualty products comprising Hanover program business, excess and surplus business, Hanover specialty industrial, and specialty general liability business coverage. It also provides personal automobile; and homeowners and other personal lines, including residences and personal property, liability claims, personal umbrella, inland marine, fire, personal watercraft, personal cyber, and other miscellaneous coverages. In addition, the company offers insurance products for collector cars, motorcycles, off-road vehicles, condominiums, valuable items, business owners, international, and management and professional liability; and for the construction, cultural and educational institutions, financial intuitions, healthcare, human services, life sciences, manufacturing, professional services, real estate, retail, technology, and wholesale and distribution industries. It markets its products and services through independent agents and brokers. The company was formerly known as Allmerica Financial Corp. and changed its name to The Hanover Insurance Group, Inc. in December 2005. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts.

440 Lincoln Street, Worcester, MA, United States, 01653

508 855 1000

https://www.hanover.com

4900

Name Title Year Born
Mr. Jeffrey Mark Farber Exec. VP & CFO 1965
Mr. John Conner Roche Pres, CEO & Director 1964
Mr. Dennis Francis Kerrigan Jr. Exec. VP, Gen. Counsel & Assistant Sec. 1965
Mr. Richard William Lavey Exec. VP & Pres of Hanover Agency Markets 1968
Mr. Bryan James Salvatore Exec. VP & Pres of Specialty 1965
Ms. Lindsay France Greenfield Director, Pres & Treasurer NA
Gayle Falvey Sr. VP & COO NA
Ms. Oksana Lukasheva Sr. VP of Corp. Fin. NA
Mr. Willard Ty-Lunn Lee Exec. VP, Chief Information & Innovation Officer 1970
Jennifer F. Luisa Sr. VP & Chief Marketing Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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