THG:NYE-Hanover Insurance Group Inc (USD)

EQUITY | Insurance - Property & Casualty | New York Stock Exchange

Last Closing

USD 129.59

Change

-1.76 (-1.34)%

Market Cap

USD 3.65B

Volume

0.19M

Analyst Target

USD 120.50
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

The Hanover Insurance Group Inc is a holding company. The Company is engaged in providing property and casualty insurance products and services to businesses, individuals, and families through a group of independent agents and brokers.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-04-26 )

Largest Industry Peers for Insurance - Property & Casualty

Symbol Name Price(Change) Market Cap
PGR Progressive Corp

+2.04 (+0.95%)

USD 126.45B
CB Chubb Ltd

+0.80 (+0.31%)

USD 102.18B
TRV The Travelers Companies Inc

-0.92 (-0.42%)

USD 50.25B
ALL The Allstate Corporation

+1.25 (+0.73%)

USD 45.58B
ALL-PH The Allstate Corporation

+0.19 (+0.87%)

USD 34.66B
HIG Hartford Financial Services Gr..

+0.56 (+0.55%)

USD 29.97B
MKL Markel Corporation

+15.66 (+0.96%)

USD 21.01B
WRB W. R. Berkley Corp

+0.95 (+1.21%)

USD 20.14B
HIG-PG The Hartford Financial Service..

+0.13 (+0.52%)

USD 18.65B
L Loews Corp

+0.28 (+0.36%)

USD 16.80B

ETFs Containing THG

FVD:XETRA First Trust Value Line Di.. 0.59 % 0.00 %

+0.15 (+0.66%)

USD 0.02B
CSF VictoryShares US Discover.. 0.00 % 0.35 %

-0.15 (0.66%)

USD 0.05B
FUD:CA First Trust AlphaDEX US D.. 0.00 % 0.78 %

N/A

CAD 4.95M
CSA VictoryShares US Small Ca.. 0.00 % 0.35 %

-0.10 (0.66%)

USD 0.03B
SMLV SPDR® SSGA US Small Cap .. 0.00 % 0.12 %

-0.31 (0.66%)

USD 0.18B

Market Performance

  Market Performance vs. Industry/Classification (Insurance - Property & Casualty) Market Performance vs. Exchange (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 6.73% 39% F 74% C
Dividend Return 0.70% 48% F 37% F
Total Return 7.43% 39% F 74% C
Trailing 12 Months  
Capital Gain 8.39% 41% F 58% F
Dividend Return 1.39% 27% F 18% F
Total Return 9.78% 41% F 53% F
Trailing 5 Years  
Capital Gain 8.37% 35% F 52% F
Dividend Return 10.77% 45% F 42% F
Total Return 19.14% 30% F 48% F
Average Annual (5 Year Horizon)  
Capital Gain 0.80% 47% F 44% F
Dividend Return 2.94% 44% F 42% F
Total Return 2.14% 32% F 49% F
Risk Return Profile  
Volatility (Standard Deviation) 21.56% 47% F 53% F
Risk Adjusted Return 13.65% 44% F 37% F
Market Capitalization 3.65B 53% F 75% C

Key Financial Ratios

  Ratio vs. Industry/Classification (Insurance - Property & Casualty) Ratio vs. Market (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 15.00 4% 4%
Price/Book Ratio 1.90 41% 44%
Price / Cash Flow Ratio 12.92 17% 29%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 1.40% 27% 31%
Return on Invested Capital -0.18% 52% 24%
Return on Assets 0.33% 21% 25%
Debt to Equity Ratio 31.77% 47% 71%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.