- ISIN
- US4108671052
- CUSIP
- 410867105
- Sector
- Financial Services
- Industry
- Insurance - Property & Casualty
- IPO Date
- Oct 10, 1995
Highlights
- EPS (TTM)
- $26.44
- PE Ratio
- 7.05
- PEG Ratio
- 0.03
- Total Revenue (TTM)
- $6.68B
- Gross Profit (TTM)
- $1.56B
- EBITDA (TTM)
- $716.20M
- Year Range
- $160.70 - $199.59
- Target Price
- $200.00
- ROA (TTM)
- 4.36%
- ROE (TTM)
- 20.20%
Share Price Chart
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Performance
THG Performance Chart
The Hanover Insurance Group, Inc. (THG) is up 2.5% since the beginning of the year. At $186 per share, THG is trading 6.6% below its 52-week high of $200. Investors who bought $1,000 worth of THG shares 5 years ago would now be looking at an investment worth $1,502.
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Returns By Period
The Hanover Insurance Group, Inc. (THG) has returned 2.52% so far this year and 7.54% over the past 12 months. Over the last ten years, THG has returned 11.15% per year, falling short of the S&P 500 Index benchmark, which averaged 13.66% annually.
The Hanover Insurance Group, Inc.
- 1D
- -0.37%
- 1M
- 1.68%
- YTD
- 2.52%
- 6M
- 4.64%
- 1Y
- 7.54%
- 3Y*
- 20.30%
- 5Y*
- 8.48%
- 10Y*
- 11.15%
Benchmark (S&P 500 Index)
- 1D
- -0.74%
- 1M
- 4.90%
- YTD
- 10.35%
- 6M
- 10.28%
- 1Y
- 26.52%
- 3Y*
- 20.83%
- 5Y*
- 12.30%
- 10Y*
- 13.66%
THG Monthly Returns History
Based on dividend-adjusted daily data since Oct 11, 1995, THG's average daily return is +0.05%, while the average monthly return is +1.04%. At this rate, an investment would double in approximately 5.6 years.
Historically, 60% of months were positive and 40% were negative. The best month was Jan 2003 with a return of +30.5%, while the worst month was Sep 2002 at -46.1%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 7 months.
On a daily basis, THG closed higher 51% of trading days. The best single day was Jan 9, 2003 with a return of +51.4%, while the worst single day was Oct 3, 2002 at -29.8%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -4.72% | 3.73% | -3.50% | 8.27% | -0.79% | 0.08% | 2.52% | ||||||
| 2025 | -1.02% | 11.39% | 2.56% | -4.51% | 5.95% | -2.96% | 1.04% | 1.08% | 5.22% | -5.92% | 8.58% | -0.99% | 20.66% |
| 2024 | 8.72% | -0.41% | 4.25% | -4.66% | 1.63% | -4.26% | 9.61% | 6.91% | 1.35% | 0.15% | 11.25% | -5.73% | 30.61% |
| 2023 | -0.41% | 3.64% | -7.28% | -6.96% | -6.77% | 2.14% | 0.40% | -5.96% | 4.77% | 5.61% | 6.05% | -1.65% | -7.61% |
| 2022 | 5.26% | 1.12% | 7.75% | -1.81% | -0.15% | 0.28% | -6.69% | -5.19% | -0.41% | 14.32% | 0.55% | -7.72% | 5.40% |
| 2021 | -3.81% | 2.56% | 12.85% | 6.84% | 0.85% | -2.27% | 0.19% | 3.98% | -7.81% | -2.79% | -3.37% | 8.27% | 14.51% |
Benchmark Metrics
The Hanover Insurance Group, Inc. has an annualized alpha of 5.01%, beta of 0.83, and R2 of 0.25 versus S&P 500 Index. Calculated based on daily prices since October 12, 1995.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (80.19%) than losses (78.30%) - typical of diversified or defensive assets.
- R2 of 0.25 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 5.01%
- Beta
- 0.83
- R²
- 0.25
- Upside Capture
- 80.19%
- Downside Capture
- 78.30%
Return for Risk
Risk / Return Rank
THG ranks 53 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for The Hanover Insurance Group, Inc. (THG) and compare them to S&P 500 Index.
| THG | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.87 | ||
| Sortino ratioReturn per unit of downside risk | -2.41 | ||
| Omega ratioGain probability vs. loss probability | 1.08 | 1.41 | -0.33 |
| Calmar ratioReturn relative to maximum drawdown | 0.76 | 2.93 | -2.17 |
| Martin ratioReturn relative to average drawdown | 1.67 | 13.52 | -11.85 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
The Hanover Insurance Group, Inc. provided a 1.99% dividend yield over the last twelve months, with an annual payout of $3.70 per share. The company has been increasing its dividends for 5 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $3.70 | $3.65 | $3.45 | $3.28 | $3.06 | $2.85 | $2.65 | $9.70 | $2.22 | $2.04 | $1.88 | $1.69 |
Dividend yield | 1.99% | 2.00% | 2.23% | 2.70% | 2.26% | 2.17% | 2.27% | 7.10% | 1.90% | 1.89% | 2.07% | 2.08% |
Monthly Dividends
The table displays the monthly dividend distributions for The Hanover Insurance Group, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.95 | $0.00 | $0.00 | $0.00 | $0.95 | ||||||
| 2025 | $0.00 | $0.00 | $0.90 | $0.00 | $0.00 | $0.90 | $0.00 | $0.00 | $0.90 | $0.00 | $0.00 | $0.95 | $3.65 |
| 2024 | $0.00 | $0.00 | $0.85 | $0.00 | $0.00 | $0.85 | $0.00 | $0.00 | $0.85 | $0.00 | $0.00 | $0.90 | $3.45 |
| 2023 | $0.00 | $0.00 | $0.81 | $0.00 | $0.00 | $0.81 | $0.00 | $0.00 | $0.81 | $0.00 | $0.00 | $0.85 | $3.28 |
| 2022 | $0.00 | $0.00 | $0.75 | $0.00 | $0.00 | $0.75 | $0.00 | $0.00 | $0.75 | $0.00 | $0.00 | $0.81 | $3.06 |
| 2021 | $0.00 | $0.00 | $0.70 | $0.00 | $0.00 | $0.70 | $0.00 | $0.00 | $0.70 | $0.00 | $0.00 | $0.75 | $2.85 |
Dividend Yield & Payout
Dividend Yield
The Hanover Insurance Group, Inc. has a dividend yield of 1.99%, which is quite average when compared to the overall market.
Payout Ratio
The Hanover Insurance Group, Inc. has a payout ratio of 18.11%, which is below the market average. This means The Hanover Insurance Group, Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the The Hanover Insurance Group, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the The Hanover Insurance Group, Inc. was 89.84%, occurring on Oct 9, 2002. Recovery took 2791 trading sessions.
The current The Hanover Insurance Group, Inc. drawdown is 5.66%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Dot-com crash2000–2002 | -89.84%Oct 2002 | 1y 9mo | 11y 1mo | 12y 10moJan 2001 - Nov 2013 |
Dot-com crash2000–2002 | -50.76%Mar 2000 | 1y 6mo | 9mo 24d | 2y 4moAug 1998 - Dec 2000 |
COVID crash2020 | -40.10%Mar 2020 | 1mo 17d | 1y 1mo | 1y 2moFeb 2020 - Apr 2021 |
2023 bear market2023 | -30.35%Aug 2023 | 1y 4mo | 1y 9d | 2y 4moApr 2022 - Aug 2024 |
Rate-hike selloffLate 2018 | -18.49%Dec 2018 | 4mo 4d | 4mo 17d | 8mo 21dAug 2018 - May 2019 |
Drawdown Indicators
| THG | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -89.84% | -56.78% | -33.06% |
Max Drawdown (1Y)Largest decline over 1 year | -10.02% | -9.10% | -0.92% |
Max Drawdown (3Y)Largest decline over 3 years | -13.98% | -18.90% | +4.92% |
Max Drawdown (5Y)Largest decline over 5 years | -30.35% | -25.43% | -4.92% |
Max Drawdown (10Y)Largest decline over 10 years | -40.10% | -33.92% | -6.18% |
Current DrawdownCurrent decline from peak | -5.66% | -0.74% | -4.92% |
Average DrawdownAverage peak-to-trough decline | -22.67% | -10.72% | -11.95% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.71% | 1.97% | +2.74% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of The Hanover Insurance Group, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how The Hanover Insurance Group, Inc. is priced in the market compared to other companies in the Insurance - Property & Casualty industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for THG, comparing it with other companies in the Insurance - Property & Casualty industry. Currently, THG has a P/E ratio of 7.0. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for THG compared to other companies in the Insurance - Property & Casualty industry. THG currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for THG relative to other companies in the Insurance - Property & Casualty industry. Currently, THG has a P/S ratio of 0.8. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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