THG

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Hanover Insurance Group Inc

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Key Metrics

Previous Close: $218.91
52-Week Range: $166.54 – $236.07
Market Cap: $7.77B
P/E (TTM): 10.69
EPS (TTM): 20.88
Dividend Yield: 1.74%

Advanced Metrics

Price/Book: 2.12
PEG Ratio: 0.34
Return on Equity: 21.88%
Return on Assets: 3.89%
Gross Margin: 25.19%
Operating Margin: 14.75%
Profit Margin: 11.17%
Current Ratio: 0.36
Debt/Equity: 0.23
Total Debt: $844.00M
Free Cash Flow: $1.08B
Revenue Growth: 4.30%
Earnings Growth: 24.90%
Enterprise Value: $8.20B

THG Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$5.43B	$5.96B	$6.22B	$6.57B
Pretax Income	$144.00M	$41.10M	$537.80M	$843.80M
Income Tax	$27.20M	$7.60M	$112.50M	$183.10M
Net Income	$116.00M	$35.30M	$426.00M	$662.50M
Diluted EPS	3.21	0.98	11.70	18.16
Diluted Shares	36.10M	36.10M	36.40M	36.50M

THG Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$305.00M	$316.10M	$435.50M	$1.12B
Receivables	$3.57B	$3.76B	$3.80B	$3.87B
Total Assets	$14.00B	$14.61B	$15.27B	$16.95B
Long-Term Debt	$782.40M	$783.20M	$722.30M	$1.22B
Total Debt	$782.40M	$783.20M	$784.10M	$1.22B
Total Liabilities	$11.66B	$12.15B	$12.43B	$13.37B
Retained Earnings	$2.99B	$2.91B	$3.21B	$3.74B
Shareholders' Equity	$2.33B	$2.47B	$2.84B	$3.57B
Net Debt	$477.40M	$467.10M	$348.60M	$95.60M

THG Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$722.30M	$361.70M	$806.40M	$1.18B
Capital Expenditure	-$17.80M	-$11.90M	-$10.20M	-$7.70M
Free Cash Flow	$704.50M	$349.80M	$796.20M	$1.17B
Depreciation & Amortisation	$12.90M	$6.30M	$1.50M	-$4.60M
Stock-Based Compensation	$29.00M	$31.10M	$31.00M	$35.60M
Investing Cash Flow	-$507.60M	-$228.50M	-$540.90M	-$666.20M
Financing Cash Flow	-$140.60M	-$122.10M	-$145.50M	$175.20M
Dividends Paid	-$108.90M	-$117.20M	-$124.10M	-$130.60M
Share Repurchases	-$30.80M	$0.00	-$26.70M	-$129.20M
Net Change in Cash	$74.10M	$11.10M	$120.00M	$687.10M

THG Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$1.65B	$1.66B	$1.66B	$1.69B	$1.72B
Pretax Income	$198.80M	$227.10M	$257.80M	$237.10M	$244.60M
Income Tax	$41.90M	$48.50M	$60.80M	$50.30M	$53.20M
Net Income	$157.10M	$178.70M	$198.50M	$186.80M	$191.60M
Diluted EPS	4.38	4.90	5.47	5.20	5.38
Diluted Shares	35.90M	36.40M	36.30M	35.90M	35.60M

THG Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$244.10M	$915.70M	$1.12B	$243.50M	$266.10M
Receivables	$3.87B	$3.91B	$3.87B	$3.91B	$4.03B
Total Assets	$15.73B	$16.77B	$16.95B	$16.53B	$16.86B
Long-Term Debt	$347.80M	$1.28B	$1.22B	$843.80M	$844.00M
Total Debt	$784.60M	$1.28B	$1.22B	$843.80M	$844.00M
Total Liabilities	$12.52B	$13.35B	$13.37B	$12.96B	$13.19B
Retained Earnings	$3.43B	$3.58B	$3.74B	$3.89B	$4.05B
Shareholders' Equity	$3.22B	$3.43B	$3.57B	$3.57B	$3.67B
Net Debt	$540.50M	$364.10M	$95.60M	$600.30M	$577.90M

THG Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$206.60M	$554.40M	$378.20M	$118.80M	$212.30M
Capital Expenditure	-$1.70M	-$3.00M	-$1.20M	-$3.50M	-$2.90M
Free Cash Flow	$204.90M	$551.40M	$377.00M	$115.30M	$209.40M
Depreciation & Amortisation	-$1.00M	-$1.20M	-$1.30M	-$1.80M	-$1.00M
Stock-Based Compensation	$11.20M	$10.00M	$7.80M	$6.60M	$11.50M
Investing Cash Flow	-$222.10M	-$308.20M	-$23.60M	-$493.80M	-$106.20M
Financing Cash Flow	-$55.30M	$427.60M	-$149.60M	-$504.60M	-$83.10M
Dividends Paid	-$32.30M	-$32.20M	-$33.70M	-$33.50M	-$33.10M
Share Repurchases	-$27.60M	-$36.00M	-$54.60M	-$86.90M	-$55.00M
Net Change in Cash	-$70.80M	$673.80M	$205.00M	-$879.60M	$23.00M

Market Snapshot

About

The Hanover Insurance Group Inc. provides property and casualty insurance products and services. The company operates through personal lines, commercial lines, and specialty insurance segments serving individuals and businesses. Hanover offers auto, home, workers compensation, and specialized industry insurance coverage across the United States.