THG
VENTE TOTALE: 2 200 titres (~506 438,00 $ US)
- Insiders
- Bunting Theodore H JR, Carlin Jane D
- Total bought
- —
- Total sold
- $506,438
- Last activity
- 2026-08-06
- Last synced
-
2026-08-12 09:47:22
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-08-06
THG presents a compelling operational turnaround story with a 5-year high in profitability and a strong Q2 2026 earnings beat (+22.1% EPS growth), supporting a positive fundamental trend.
The first sentence of the analysis written for THG on 2026-08-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 43.5% | 19.9% | 10.9% | 13.2% | 20.2% | |
| Ebit Margin | 13.4% | 9.2% | 1.3% | 3.3% | 10.8% | |
| Ebitda Margin | 13.4% | 9.2% | 1.4% | 3.5% | 11.1% | |
| Operating Profit Margin | 12.8% | 8.7% | 0.7% | 2.7% | 10.1% | |
| Pretax Profit Margin | 12.8% | 8.7% | 0.7% | 2.7% | 10.1% | |
| Continuous Operations Profit Margin | 10.0% | 6.8% | 0.6% | 2.1% | 8.1% | |
| Net Profit Margin | 10.0% | 6.9% | 0.6% | 2.1% | 8.2% | |
| Bottom Line Profit Margin | 10.0% | 6.9% | 0.6% | 2.1% | 8.2% | |
| Current Ratio | 0.618 | 7.184 | 1.990 | 15.590 | 206.559 | |
| Quick Ratio | 0.618 | 7.184 | 1.990 | 15.590 | 206.559 | |
| Solvency Ratio | 0.049 | 0.034 | 0.003 | 0.011 | 0.040 | |
| Cash Ratio | 0.100 | 0.531 | 0.052 | 0.417 | 4.191 | |
| Price To Earnings Ratio | 9.874 | 13.051 | 123.898 | 42.097 | 11.116 | |
| Price To Earnings Growth Ratio | 0.176 | 0.012 | -1.783 | -0.578 | 0.464 | |
| Forward Price To Earnings Growth Ratio | 0.176 | 0.012 | -1.783 | -0.578 | 0.464 | |
| Price To Earnings Diluted Ratio | 9.874 | 13.219 | 123.898 | 42.097 | 11.406 | |
| Price To Earnings Diluted Growth Ratio | 0.170 | 0.012 | -1.783 | -0.584 | 0.519 | |
| Price To Book Ratio | 1.832 | 1.954 | 1.758 | 2.080 | 1.496 | |
| Price To Sales Ratio | 0.992 | 0.893 | 0.727 | 0.893 | 0.912 | |
| Price To Free Cash Flow Ratio | 5.590 | 6.973 | 12.392 | 6.889 | 5.768 | |
| Price To Operating Cash Flow Ratio | 5.554 | 6.885 | 11.984 | 6.719 | 5.712 | |
| Debt To Assets Ratio | 0.072 | 0.051 | 0.054 | 0.056 | 0.055 | |
| Debt To Equity Ratio | 0.341 | 0.276 | 0.318 | 0.335 | 0.249 | |
| Debt To Capital Ratio | 0.254 | 0.216 | 0.241 | 0.251 | 0.199 | |
| Long Term Debt To Capital Ratio | 0.254 | 0.203 | 0.241 | 0.251 | 0.199 | |
| Financial Leverage Ratio | 4.745 | 5.375 | 5.927 | 5.997 | 4.533 | |
| Working Capital Turnover Ratio | 16.986 | 1.120 | 0.714 | 0.494 | 0.911 | |
| Operating Cash Flow Ratio | 0.105 | 0.984 | 0.059 | 0.987 | 14.949 | |
| Operating Cash Flow Sales Ratio | 0.179 | 0.130 | 0.061 | 0.133 | 0.160 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.993 | 0.987 | 0.967 | 0.975 | 0.990 | |
| Debt Service Coverage Ratio | 16.188 | 4.806 | 2.167 | 4.804 | 13.850 | |
| Interest Coverage Ratio | 19.532 | 15.771 | 1.205 | 4.223 | 15.332 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 13.049 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.967 | 1.028 | 0.462 | 0.923 | 1.054 | |
| Capital Expenditure Coverage Ratio | 153.000 | 79.059 | 30.395 | 40.579 | 102.963 | |
| Dividend Paid And Capex Coverage Ratio | 8.518 | 6.004 | 2.802 | 5.701 | 7.475 | |
| Dividend Payout Ratio | 0.197 | 0.291 | 3.320 | 0.939 | 0.242 | |
| Enterprise Value Multiple | 7.523 | 10.291 | 58.918 | 27.908 | 9.185 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 43.5% | ▲23.6% | ▲21.9% |
| Ebit Margin | 13.4% | ▲4.2% | ▲5.9% |
| Ebitda Margin | 13.4% | ▲4.2% | ▲5.7% |
| Operating Profit Margin | 12.8% | ▲4.1% | ▲5.8% |
| Pretax Profit Margin | 12.8% | ▲4.1% | ▲5.8% |
| Continuous Operations Profit Margin | 10.0% | ▲3.2% | ▲4.5% |
| Net Profit Margin | 10.0% | ▲3.2% | ▲4.5% |
| Bottom Line Profit Margin | 10.0% | ▲3.2% | ▲4.5% |
| Current Ratio | 0.618 | ▼-6.566 | ▼-45.770 |
| Quick Ratio | 0.618 | ▼-6.566 | ▼-45.770 |
| Solvency Ratio | 0.049 | ▲0.015 | ▲0.022 |
| Cash Ratio | 0.100 | ▼-0.431 | ▼-0.958 |
| Price To Earnings Ratio | 9.874 | ▼-3.177 | ▼-30.133 |
| Price To Earnings Growth Ratio | 0.176 | ▲0.164 | ▲0.518 |
| Forward Price To Earnings Growth Ratio | 0.176 | ▲0.164 | ▲0.518 |
| Price To Earnings Diluted Ratio | 9.874 | ▼-3.345 | ▼-30.225 |
| Price To Earnings Diluted Growth Ratio | 0.170 | ▲0.158 | ▲0.503 |
| Price To Book Ratio | 1.832 | ▼-0.122 | ▲0.008 |
| Price To Sales Ratio | 0.992 | ▲0.099 | ▲0.108 |
| Price To Free Cash Flow Ratio | 5.590 | ▼-1.383 | ▼-1.932 |
| Price To Operating Cash Flow Ratio | 5.554 | ▼-1.332 | ▼-1.817 |
| Debt To Assets Ratio | 0.072 | ▲0.021 | ▲0.014 |
| Debt To Equity Ratio | 0.341 | ▲0.065 | ▲0.037 |
| Debt To Capital Ratio | 0.254 | ▲0.038 | ▲0.022 |
| Long Term Debt To Capital Ratio | 0.254 | ▲0.052 | ▲0.025 |
| Financial Leverage Ratio | 4.745 | ▼-0.630 | ▼-0.570 |
| Working Capital Turnover Ratio | 16.986 | ▲15.866 | ▲12.941 |
| Operating Cash Flow Ratio | 0.105 | ▼-0.879 | ▼-3.312 |
| Operating Cash Flow Sales Ratio | 0.179 | ▲0.049 | ▲0.046 |
| Free Cash Flow Operating Cash Flow Ratio | 0.994 | ▲0.006 | ▲0.011 |
| Debt Service Coverage Ratio | 16.188 | ▲11.382 | ▲7.825 |
| Interest Coverage Ratio | 19.532 | ▲3.761 | ▲8.320 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | ▼-13.049 | ▼-2.610 |
| Operating Cash Flow Coverage Ratio | 0.967 | ▼-0.061 | ▲0.080 |
| Capital Expenditure Coverage Ratio | 153.000 | ▲73.941 | ▲71.801 |
| Dividend Paid And Capex Coverage Ratio | 8.518 | ▲2.514 | ▲2.418 |
| Dividend Payout Ratio | 0.197 | ▼-0.094 | ▼-0.801 |
| Enterprise Value Multiple | 7.523 | ▼-2.768 | ▼-15.242 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $6.54B | $5.55B | $4.33B | $4.85B | $4.71B | |
| Enterprise value | $6.64B | $5.90B | $4.80B | $5.33B | $5.26B | |
| EV / Sales | 1.01x | 0.95x | 0.81x | 0.98x | 1.02x | |
| EV / Op. cash flow | 5.63x | 7.32x | 13.28x | 7.38x | 6.38x | |
| EV / Free cash flow | 5.67x | 7.41x | 13.73x | 7.57x | 6.44x | |
| EV / EBITDA | 7.52x | 10.29x | 58.92x | 27.91x | 9.19x | |
| Net debt / EBITDA | 0.11x | 0.61x | 5.73x | 2.50x | 0.96x | |
| Current ratio | 0.62x | 7.18x | 1.99x | 15.59x | 206.56x | |
| Income quality | 1.78x | 1.89x | 10.25x | 6.23x | 1.96x | |
| Graham number | $204 | $145 | $39 | $69 | $152 | |
| Graham net-net | -$207 | -$209 | -$27 | -$32 | -$16 | |
| Tax burden | 78.5% | 79.2% | 85.9% | 80.6% | 81.1% | |
| Interest burden | 95.1% | 94.0% | 54.7% | 80.9% | 93.9% | |
| Working capital | -$4.29B | $5.07B | $6.03B | $10.68B | $11.33B | |
| Invested capital | -$3.41B | $5.91B | $6.83B | $11.46B | $12.06B | |
| Return on assets | 3.9% | 2.8% | 0.2% | 0.8% | 3.0% | |
| Operating ROA | 5.2% | 3.6% | 0.3% | 1.0% | 3.8% | |
| Return on tangible assets | 4.1% | 3.0% | 0.3% | 0.9% | 3.1% | |
| Return on equity | 18.5% | 15.0% | 1.4% | 5.0% | 13.4% | |
| Return on invested capital | 11.6% | 2.9% | 0.4% | 0.9% | 3.0% | |
| Return on capital employed | 14.8% | 3.7% | 0.5% | 1.1% | 3.7% | |
| Earnings yield | 10.1% | 7.7% | 0.8% | 2.4% | 9.0% | |
| Free cash flow yield | 17.9% | 14.3% | 8.1% | 14.5% | 17.3% | |
| Capex / Op. cash flow | 0.7% | 1.3% | 3.3% | 2.5% | 1.0% | |
| Capex / Depreciation | -167.4% | 680.0% | 188.9% | 138.0% | 47.3% | |
| Capex / Sales | 0.1% | 0.2% | 0.2% | 0.3% | 0.2% | |
| SG&A / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.5% | 0.5% | 0.5% | 0.4% | |
| Intangibles / Total assets | 5.2% | 5.5% | 5.5% | 5.6% | 5.1% | |
| Days sales outstanding | 219d | 227d | 234d | 243d | 242d | |
| Days payables outstanding | 4d | 3d | 4d | 5d | 5d | |
| Operating cycle | 219d | 227d | 234d | 243d | 242d | |
| Cash conversion cycle | 214d | 224d | 229d | 238d | 238d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+17.8%EV / Sales ▲+6.0%EV / EBITDA ▼-26.9%EV / Op. cash flow ▼-1.683Earnings yield ▲+0.025Graham number ▲+58.448
Profitability
Return on equity ▲+0.036Return on assets ▲+0.011Return on invested capital ▲+0.087Return on capital employed ▲+0.111Operating ROA ▲+0.016Income quality ▼-0.115Tax burden ▼-0.007
Efficiency
Days sales outstanding ▼-8.259Days payables outstanding ▲+1.660Operating cycle ▼-8.259Cash conversion cycle ▼-9.919Capex / Sales -0.000R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-6.566Net debt / EBITDA ▼-0.500Working capital ▼-9360400000.000Invested capital ▼-9320200000.000Intangibles / Total assets ▼-0.003
Change over 5 years
Valuation
Market cap ▲+39.1%EV / Sales ▼-1.2%EV / EBITDA ▼-18.1%EV / Op. cash flow ▼-0.746Earnings yield ▲+0.011Graham number ▲+51.467
Profitability
Return on equity ▲+0.051Return on assets ▲+0.009Return on invested capital ▲+0.086Return on capital employed ▲+0.111Operating ROA ▲+0.015Income quality ▼-0.183Tax burden ▼-0.026
Efficiency
Days sales outstanding ▼-23.736Days payables outstanding ▼-0.461Operating cycle ▼-23.736Cash conversion cycle ▼-23.275Capex / Sales -0.000R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-205.941Net debt / EBITDA ▼-0.854Working capital ▼-15618100000.000Invested capital ▼-15467100000.000Intangibles / Total assets ▲+0.001
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-10 Here''s Why Hanover Insurance Group (THG) is a Strong Momentum Stock The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here''s why you should take advantage.
- 2026-08-05 Hanover Insurance Group (THG) is a Great Momentum Stock: Should You Buy? Does Hanover Insurance Group (THG) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-08-05 Is The Hanover Insurance Group (THG) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-07-30 The Hanover Insurance Group, Inc. (THG) Hit a 52 Week High, Can the Run Continue? Hanover Insurance (THG) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company''s fundamentals for clues.
- 2026-07-30 The Hanover Insurance Group Q2 Earnings Call Highlights The Hanover Insurance Group NYSE: THG reported record second-quarter operating performance, citing improved underwriting margins, accelerating premium growth and higher investment income across its diversified insurance portfolio.
- 2026-07-30 The Hanover Insurance Group (NYSE:THG) Hits New 52-Week High on Strong Earnings The Hanover Insurance Group, Inc. (NYSE: THG - Get Free Report)''s stock price reached a new 52-week high on Wednesday after the company announced better than expected quarterly earnings. The stock traded as high as $228.05 and last traded at $228.5550, with a volume of 21611 shares trading hands. The stock had previously closed at $224.15.
- 2026-07-29 The Hanover Insurance Group, Inc. (THG) Q2 2026 Earnings Call Transcript The Hanover Insurance Group, Inc. (THG) Q2 2026 Earnings Call Transcript
- 2026-07-29 The Hanover Insurance: Better Margins Justify A Premium Valuation The Hanover Insurance Group demonstrates strengthened profitability, driven by robust personal lines margin growth and improved risk underwriting. THG''s Q2 2026 combined ratio improved to 91.2%, with personal lines segment operating profit nearly doubling and combined ratio dropping to 88.9%. Current valuation shows a 2.2x P/B and 10.45x P/E, reflecting optimism but leaving limited margin for error if catastrophic losses rise.
- 2026-07-29 THG Q2 Earnings Beat on Personal Lines Gains, Revenues Miss THG''s Q2 earnings rise 22.1% and beat estimates as Personal Lines gains, lower catastrophe losses and investment income offset a revenue miss.
- 2026-07-28 Compared to Estimates, Hanover Insurance (THG) Q2 Earnings: A Look at Key Metrics Although the revenue and EPS for Hanover Insurance (THG) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.