The Hanover Insurance Group, Inc.

NYSE:THG Stock Report

Market Cap: US$5.6b

Hanover Insurance Group Past Earnings Performance

Past criteria checks 2/6

Hanover Insurance Group's earnings have been declining at an average annual rate of -21.5%, while the Insurance industry saw earnings growing at 12.6% annually. Revenues have been growing at an average rate of 5.9% per year. Hanover Insurance Group's return on equity is 12.7%, and it has net margins of 5.9%.

Key information

-21.5%

Earnings growth rate

-19.4%

EPS growth rate

Insurance Industry Growth8.0%
Revenue growth rate5.9%
Return on equity12.7%
Net Margin5.9%
Next Earnings Update04 Feb 2025

Recent past performance updates

Recent updates

The Hanover Insurance: Q2 Improvement And Future Growth Indicators

Sep 29

Risks To Shareholder Returns Are Elevated At These Prices For The Hanover Insurance Group, Inc. (NYSE:THG)

Jul 16
Risks To Shareholder Returns Are Elevated At These Prices For The Hanover Insurance Group, Inc. (NYSE:THG)

Hanover Insurance Group: Improvement In Net Income Growth Encouraging

Feb 05

Pinning Down The Hanover Insurance Group, Inc.'s (NYSE:THG) P/S Is Difficult Right Now

Jan 19
Pinning Down The Hanover Insurance Group, Inc.'s (NYSE:THG) P/S Is Difficult Right Now

Hanover Insurance: Lower Combined Ratio Encouraging, But Further Net Income Growth Needed

Nov 14

The Hanover Insurance: 3% Dividend Yield And Modest Buy Rating

Sep 12

Hanover Insurance Group: Personal Lines Continues To Place Pressure On Earnings

Aug 08

Hanover Insurance Q4 2022 Earnings Preview

Jan 31

Hanover Insurance expects to incur $90M in Q3 catastrophe losses

Oct 20

Hanover Insurance: Rebound Potential, But Modest Growth Likely For Now

Sep 06

Hanover Insurance Non-GAAP EPS of $2.32 beats by $0.17, Net premiums written of $1.33B beats by $100M

Aug 02

Hanover Insurance: Potential For Rebound Given Continued Premium Growth

Jun 22

Hanover Insurance Group: Showing Resilience In An Inflationary Environment

Apr 13

Hanover Insurance Group: An Assessment Of Inflation Risks

Feb 01

Revenue & Expenses Breakdown

How Hanover Insurance Group makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NYSE:THG Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 246,18236500
30 Jun 246,13327100
31 Mar 246,10116100
31 Dec 235,9943400
30 Sep 235,943-8600
30 Jun 235,793-9300
31 Mar 235,582000
31 Dec 225,46911700
30 Sep 225,36829200
30 Jun 225,27732600
31 Mar 225,27643300
31 Dec 215,22842000
30 Sep 215,14442300
30 Jun 215,11950800
31 Mar 215,05149400
31 Dec 204,82536200
30 Sep 204,78830600
30 Jun 204,75329800
31 Mar 204,72726800
31 Dec 194,89142900
30 Sep 194,73632100
30 Jun 194,68831400
31 Mar 194,62231100
31 Dec 184,49423900
30 Sep 184,48430900
30 Jun 184,40326400
31 Mar 184,09922100
31 Dec 174,26821600
30 Sep 174,43013200
30 Jun 174,58616100
31 Mar 174,97912300
31 Dec 164,0546700
30 Sep 164,89624600
30 Jun 164,88823500
31 Mar 164,96335400
31 Dec 155,03433100
30 Sep 155,11434300
30 Jun 155,14732100
31 Mar 155,12228300
31 Dec 145,06828200
30 Sep 145,01225700
30 Jun 144,94826300
31 Mar 144,85723400
31 Dec 134,79424600

Quality Earnings: THG has high quality earnings.

Growing Profit Margin: THG became profitable in the past.

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: THG's earnings have declined by 21.5% per year over the past 5 years.

Accelerating Growth: THG has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: THG has become profitable in the last year, making it difficult to compare its past year earnings growth to the Insurance industry (36.6%).

Return on Equity

High ROE: THG's Return on Equity (12.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/30 14:48
End of Day Share Price 2024/12/30 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

The Hanover Insurance Group, Inc. is covered by 24 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jay GelbBarclays
Michael ZaremskiBMO Capital Markets Equity Research
Robert FarnamBoenning & Scattergood, Inc.