THG
Hanover Insurance
Data as of 2026-09-05
Company attributes
Price
Interactive 5-year price history chart for THG. Latest close $231.68.
Pillar breakdown
0–100 percentile rank against the current universe (sector-relative for Quality / Value / Growth / Profitability)
- QualityProfit margins & asset efficiency62StrongFinancials median (n=257) 50
- ValuePrice vs fundamentals72ExceptionalFinancials median (n=257) 52
- GrowthRevenue & earnings trajectory72ExceptionalFinancials median (n=257) 50
- MomentumRecent price strength83ExceptionalFinancials median (n=257) 63
- HealthBalance sheet & solvency62StrongFinancials median (n=257) 55
- ProfitabilityROE, ROA, ROIC42AverageFinancials median (n=257) 51
- TechnicalTrend & volatility signals56StrongFinancials median (n=257) 56
- RiskVolatility & drawdown profile91ExceptionalFinancials median (n=257) 63
Pillars not shown: Sentiment, ML (Phase 5+).
Recent regulatory events
- Going-concern disclosure (10-K)Annotate
Fair price check
4 different valuation methods each estimate what THG should be worth, then we compare to today's price.
- P/E multiplesFairthinks it's fairly priced — estimates $226.06, about 2% below today
- P/B multiplesOvervaluedthinks it's expensive — estimates $187.58, about 19% below today
- Graham (defensive)Overvaluedthinks it's expensive — estimates $151.95, about 34% below today
- Residual IncomeOvervaluedthinks it's expensive — estimates $115.21, about 50% below today
How to read this: “Cheap” = method's fair price is at least 20% above today. “Fair” = within ±10–20%. “Pricey” = at least 10% below today. Outliers (values more than 5× or less than 0.2× today's price) are excluded.
Fair price ensemble
- Median fair
- $169.76
- Margin of safety(vs fair value)
- -36.5%
- Max (ex-outliers)
- $226.06
- Tangible BVPS
- $99.82
Median of all applicable methods (current price $231.68). Per-method estimates + each method’s cheap/fair/pricey read are in the Fair price check above. Outliers above 5× or below 0.2× current price are excluded from the max but kept in the median. See methodology for the 6-method ensemble + 7 defenses.
Defense layer. Flags mark elevated risk, never confirmed fraud. This model cannot catch every manipulation and decays after publication — weigh it against its stated error rates.
Supporting dataRaw fundamentals & data-quality provenance behind the scores above
Raw fundamentals (SEC EDGAR)
| Metric | Value |
|---|---|
| Market cap | $8.07B |
| Revenue (TTM) | $6.76B |
| Net income (TTM) | $755.60M |
| Operating cash flow (TTM) | $1.26B |
| CapEx (TTM) | $10.60M |
| Free cash flow (TTM)CFO − CapEx | $1.25B |
| Total assets | $16.86B |
| Total liabilities | $13.19B |
| Stockholders' equity | $3.67B |
| Cash & equivalents | $266.10M |
| Shares outstanding | 34.82M |
| EPS (basic) | $21.70 |
| EPS (diluted) | $21.70 |
| P/E ratio (TTM) | 10.68 |
TTM = trailing twelve months. Balance sheet items are point-in-time (latest filing).
Data quality
- Latest filed date
- 2026-07-29
- Latest period end
- 2026-07-27
- Filing lag
- 38 days
- Missing metrics
- 12(gross_profit, cost_of_revenue, research_and_development, sga_expense, depreciation_and_amortization, current_assets, current_liabilities, inventory, accounts_receivable, accounts_payable, ebitda, property_plant_equipment)
Composite is the 8-pillar weighted score over quality, value, growth, momentum, health, profitability, technical, and risk. Sentiment + ML pillars are reserved for a later phase; until then their weight redistributes pro-rata. Fair price is the median of 6 valuation methods (Graham, P/E / P/B / EV-EBITDA multiples, RIM, DCF) with outliers above 5× current price excluded from the max. Risk-overlay flags annotate only — they suppress the entered-top-5 badge but do not modify the composite.