The Hanover Insurance Group, Inc. (THG) Stock: Price, Forecast & Analyst Target
The Hanover Insurance Group, Inc. (THG) — MoonshotScore 97/100 (Exceptional band), calculated Oct 9, 2026. Price $221.93 (+1.99%), as of the Oct 8, 2026 trading session; market cap $7.73B. Expected results Oct 28, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 3.82× (market value Oct 8, 2026; cash Jun 30, 2026) · expected results Oct 28, 2026
The Hanover Insurance Group, Inc. · THG · NYSE · Financial Services · Insurance - Property & Casualty
Research dated 2026-09-13: The Hanover Insurance Group sells property and casualty protection to households and businesses, primarily through independent agents and brokers, with Personal Lines complemented by broad commercial and specialty operations. The case depends on whether recent profit improvement can persist as revenue advances, covered losses fluctuate, and the investment portfolio supports obligations.
Price as of Oct 8, 2026
Key Statistics
MoonshotScore v2 · The Hanover Insurance Group (THG)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality, a strong balance sheet and elite growth, at a cheap price, with no real weak spot; the market is already moving on it. Business Quality: Elite; Financial Safety: Sound; Valuation: Cheap; Growth Durability: Compounding; Momentum: Surging.
- quarterly revenue $1.73B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 8 of 8
- Altman Z 1.72 · Piotroski F 7
Helping: business quality, balance-sheet strength, an attractive price, durable growth, positive momentum
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 96 | Exceptional | |
| 95 | Exceptional | |
| 95 | Exceptional | |
| 96 | Exceptional | |
| 96 | Exceptional | |
| 96 | Exceptional |
The score moved from 96 in the stored Oct 7, 2026 snapshot to 97 in the current publication computed Oct 9, 2026 (+1); the largest pillar moves were Momentum +3 and Business Quality -1. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $221.93 | |
| Change on the day | +1.99% | |
| 52-week range | $166.54–$236.07 | |
| Market capitalisation | $7.73B | |
| Price / earnings (trailing) | 10.45 | |
| Shares traded on the day | 192.2K | |
| Beta (volatility vs the S&P 500) | 0.28 | |
| Dividends per share (last 12 months) | $3.80 | |
| Dividend yield (last 12 months) | 1.71% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextOther perspectives
Council score for The Hanover Insurance Group (THG): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 5, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 9, 2026, except a card that shows its own read date.
Watch the THG film — every key number, told as a short cinematic story
~2 min · open the film
What is The Hanover Insurance Group (THG), and what does it report?
Short answer · as of
Hanover writes auto, homeowners, umbrella, marine, commercial property, liability, workers’ compensation, surety, cyber, and other coverage.
Research dated 2026-09-13.
Hanover writes auto, homeowners, umbrella, marine, commercial property, liability, workers’ compensation, surety, cyber, and other coverage. Independent intermediaries are the primary route to customers, so distribution relationships and policy demand shape the insurance business.
Reported revenue spans Personal Lines, Core Commercial Lines, Specialty Lines, and a much smaller Other operation offering investment management to institutions and pension funds. Hanover is therefore neither a narrowly focused personal insurer nor a pure commercial underwriter; its commercial exposure is divided between core and specialty portfolios.
What do the latest results show for The Hanover Insurance Group (THG)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.73B.
Research dated 2026-09-13.
The latest period extended sequential revenue growth, while gross profit, operating result, net income, and diluted earnings also improved from the preceding period. Those profit measures remain below their recent peak, making the pattern a recovery with residual variability rather than an uninterrupted climb.
Annual revenue has expanded steadily across the displayed history, but net income has moved far more sharply before rebounding. Reported earnings have cleared consensus throughout the available run even as revenue alternated between beats and misses, showing why topline surprise alone has been a poor shorthand for Hanover’s earnings performance.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $1.73B Jun 30, 2026
- Latest quarter · SG&A
- $509.00M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $244.60M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $1.73B | Not available | $509.00M | $244.60M |
| Mar 31, 2026 | $1.70B | Not available | $495.90M | $237.10M |
| Dec 31, 2025 | $1.67B | Not available | $0.00 | $257.80M |
| Sep 30, 2025 | $1.66B | Not available | $0.00 | $227.10M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $1.66B Jul 28, 2026
- Latest report · revenue estimate
- $1.65B Jul 28, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 28, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 28, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 28, 2026 | $1.66B | $1.65B | $5.3100 | $3.8400 |
| Apr 29, 2026 | $1.56B | $1.58B | $5.2500 | $4.1400 |
| Feb 3, 2026 | $1.49B | $1.52B | $5.7900 | $5.0300 |
| Oct 29, 2025 | $1.66B | $1.52B | $5.0900 | $3.7900 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.73B | $192M | $5.28 (diluted) |
| Q1 FY2026 | $1.70B | $187M | $5.15 (diluted) |
| Q4 FY2025 | $1.67B | $199M | $5.47 (diluted) |
| Q3 FY2025 | $1.66B | $179M | $4.91 (diluted) |
What are the financial strengths and risks for The Hanover Insurance Group (THG)?
Short answer
Cash and short-term investments were $2.02B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $212.30M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
Operating cash flow has remained positive throughout the displayed quarterly series, while capital spending has been modest. Cash and short-term investments exceed debt, and the much larger investment portfolio provides substantial financial resources, although it must be considered beside the insurer’s larger liability base.
The main operating risk is that covered losses and related expenses outrun the economics embedded in policies. Hanover’s uneven historical profit record shows how much earnings can move despite continued revenue growth, while the decline in cash and short-term investments from earlier highs makes cash conversion worth following. Recent dividends have remained level, with the scheduled payment continuing that pattern.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $212.30M Jun 30, 2026
- Previous quarter · operating cash flow
- $118.80M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $212.30M | −$2.90M |
| Mar 31, 2026 | $118.80M | −$3.50M |
| Dec 31, 2025 | $378.20M | −$1.20M |
| Sep 30, 2025 | $554.40M | −$3.00M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at The Hanover Insurance Group (THG)?
Short answer · as of
The next earnings report is expected on Oct 28, 2026.
Research dated 2026-09-13.
The scheduled earnings release should reveal whether sequential revenue growth continues and whether reported earnings again outperform expectations. Consensus anticipates continued revenue expansion but a softer earnings path after the near-term high, so the relationship between growth and profitability matters more than either measure alone.
Watch operating cash flow beside the cash and investment balances, then compare movement across Personal Lines, Core Commercial Lines, and Specialty Lines. A widening gap between revenue progress and cash generation, or renewed profit volatility without stronger cash support, would weaken the recent recovery pattern.
How does The Hanover Insurance Group compare with its peers?
Short answer
The Hanover Insurance Group's score ranks 3rd of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Hanover fits best beside diversified, agent-distributed property and casualty insurers rather than direct personal-auto specialists or narrowly focused specialty underwriters. Personal Lines is its largest reported segment, but Core Commercial Lines and Specialty Lines create a broad business-insurance base, while Other contributes little revenue.
That mix exposes Hanover to household and commercial policy demand through largely the same intermediary channel. The distinguishing feature is not an unusual product category; it is the combination of personal coverage, core commercial packages, specialized risks, and independent distribution inside the same insurer.
| Company | Price | Market value | Score |
|---|---|---|---|
| $230.63 Oct 8, 2026 | $59.4B | 99 5-pillar Oct 9, 2026 | |
| $370.27 Oct 8, 2026 | $77.2B | 98 5-pillar Oct 9, 2026 | |
| The Hanover Insurance Group (THG) — this page | $221.93 | $7.73B | 97 |
| $102.29 Oct 8, 2026 | $5.67B | 96 5-pillar Oct 9, 2026 | |
| $218.73 Oct 8, 2026 | $127B | 95 5-pillar Oct 9, 2026 | |
| $15.00 Oct 8, 2026 | $5.33B | 92 5-pillar Oct 9, 2026 | |
| $56.30 Oct 8, 2026 | $5.17B | 89 5-pillar Oct 9, 2026 | |
| $131.44 Oct 8, 2026 | $3.48B | 88 5-pillar Oct 9, 2026 | |
| $2059.77 Oct 8, 2026 | $5.10B | 86 5-pillar Oct 9, 2026 | |
| $343.78 Oct 8, 2026 | $133B | 85 5-pillar Oct 9, 2026 | |
| $141.98 Oct 8, 2026 | $11.8B | 84 5-pillar Oct 9, 2026 | |
| $339.65 Oct 8, 2026 | $7.74B | 79 5-pillar Oct 9, 2026 | |
| $46.69 Oct 8, 2026 | $12.6B | 66 5-pillar Oct 9, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $203.00 – $235.00
- Consensus target
- $222.00
- Median target
- $225.00
Consensus record · Captured .
Measured against a quoted price of $221.93 (as of Oct 8, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 25, 2026
- Transactions
- 93
- Identified insiders
- 19
- Purchases
- 0
- Sales
- 22
- Other transactions
- 71
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 91.7% Period end Jun 30, 2026
- Previous quarter · ownership
- 88.3% Prior to period end Jun 30, 2026
- Reporting holders
- 552 Period end Jun 30, 2026
- Previous quarter · holders
- 509 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 3,532,932 |
| Vanguard Portfolio Management LLC | 1,919,628 |
| Price T Rowe Associates INC /Md/ | 1,831,579 |
| State Street Corp | 1,627,020 |
| Vanguard Capital Management LLC | 1,458,761 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about The Hanover Insurance Group (THG)?
What Investors Ask About The Hanover Insurance Group (THG) — Financial Services
Research dated 2026-09-13; the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
Why does Hanover’s independent-agent network matter?
Independent agents and brokers are the primary distribution route for Hanover’s insurance offerings, making intermediary relationships central to reaching households and businesses.
How broad is Hanover’s commercial insurance business?
Commercial exposure extends beyond standard business packages into marine, professional liability, specialized property, surety, umbrella, fidelity, crime, and other protections. Reporting separates Core Commercial Lines from Specialty Lines, making that breadth visible.
What does Hanover’s Other segment contribute?
Other provides investment management expertise to institutions, pension funds, and organizational clients, but its reported revenue is minimal beside the insurance segments.
Why are Hanover’s earnings surprises stronger than its revenue surprises?
Reported earnings cleared estimates throughout the displayed history, while revenue moved between beats and misses. The record shows that revenue surprise alone has not captured Hanover’s reported earnings performance.
What is the THG stock price today?
The last price recorded on this page for The Hanover Insurance Group, Inc. (THG) is $221.93, as of the Oct 8, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the THG price target?
The analyst consensus price target for The Hanover Insurance Group, Inc. (THG) is $222.00 (range $203.00 to $235.00, median $225.00), per FMP data captured Oct 9, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does THG pay a dividend?
Yes. The Hanover Insurance Group, Inc. (THG) shows a trailing 12-month dividend yield of 1.71%, as of Oct 8, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (80 figures)
The 80 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Worcester, MA | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "440 Lincoln Street, Worcester, MA, 01653, US". |
FMP — 70 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 28, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $221.93 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-09T06:24:52.403Z. | |
px.change | Change on the day | +1.99% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $7.73B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-08. FMP quote timestamp: 2026-10-08T20:00:03.000Z. Captured from FMP at 2026-10-09T06:24:51.542Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$4.32 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.73B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $166.54–$236.07 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 10.45 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 192.2K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.28 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | John Conner Roche | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 4,900 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $5.16B, net result $422.80M; FY2022 revenue $5.43B, net result $116.00M; FY2023 revenue $5.96B, net result $35.30M; FY2024 revenue $6.22B, net result $426.00M; FY2025 revenue $6.60B, net result $662.50M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Personal Lines Segment $2.69B · Other Operating Segment $21.00M · Specialty Lines Segment $1.51B · Core Commercial Lines Segment $2.42B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 39.9% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.73B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $509.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $244.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.70B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $495.90M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $237.10M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $1.67B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $257.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $1.66B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $227.10M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-28.revenue_actual | Revenue · reported — report date 2026-07-28 | $1.66B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-28.revenue_estimated | Revenue · estimate — report date 2026-07-28 | $1.65B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-28.eps_actual | EPS · reported — report date 2026-07-28 | $5.3100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-28.eps_estimated | EPS · estimate — report date 2026-07-28 | $3.8400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.revenue_actual | Revenue · reported — report date 2026-04-29 | $1.56B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.revenue_estimated | Revenue · estimate — report date 2026-04-29 | $1.58B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.eps_actual | EPS · reported — report date 2026-04-29 | $5.2500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.eps_estimated | EPS · estimate — report date 2026-04-29 | $4.1400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-03.revenue_actual | Revenue · reported — report date 2026-02-03 | $1.49B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-03.revenue_estimated | Revenue · estimate — report date 2026-02-03 | $1.52B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-03.eps_actual | EPS · reported — report date 2026-02-03 | $5.7900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-03.eps_estimated | EPS · estimate — report date 2026-02-03 | $5.0300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-29.revenue_actual | Revenue · reported — report date 2025-10-29 | $1.66B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-29.revenue_estimated | Revenue · estimate — report date 2025-10-29 | $1.52B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-29.eps_actual | EPS · reported — report date 2025-10-29 | $5.0900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-29.eps_estimated | EPS · estimate — report date 2025-10-29 | $3.7900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $2.02B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $212.30M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $9.15B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $844.00M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 2.15× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $212.30M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $118.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$2.90M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$3.50M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $378.20M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$1.20M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $554.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$3.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $203.00 – $235.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 9, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $222.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 9, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $225.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 9, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 93 transactions · 0 purchases, 22 sales, 71 other transactions · 19 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 25, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 91.7% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 88.3% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 552 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 509 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 3,532,932 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 1,919,628 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Price T Rowe Associates INC /Md/ — shares in provider snapshot | 1,831,579 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | State Street Corp — shares in provider snapshot | 1,627,020 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Capital Management LLC — shares in provider snapshot | 1,458,761 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 8 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-29 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 1.72 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-09 |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 3.82× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $2.02B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-08. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $3.80 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-09, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 1.71% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-28.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($1.66B) with the recorded estimate ($1.65B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-28.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($5.3100) with the recorded estimate ($3.8400) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 97 of 100 · Exceptional · pillars 88 / 76 / 83 / 92 / 93 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 96 (stored snapshot Oct 7, 2026) → 97 (current publication computed Oct 9, 2026) (+1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-28. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-28.revenue_actual,earn.history.depth.2026-07-28.revenue_estimated,earn.history.depth.2026-07-28.revenue_actual.comparison,earn.history.depth.2026-07-28.eps_actual.comparison,earn.history.depth.2026-07-28.eps_actual,earn.history.depth.2026-07-28.eps_estimated,earn.history.depth.2026-04-29.revenue_actual,earn.history.depth.2026-04-29.revenue_estimated,earn.history.depth.2026-04-29.eps_actual,earn.history.depth.2026-04-29.eps_estimated,earn.history.depth.2026-02-03.revenue_actual,earn.history.depth.2026-02-03.revenue_estimated,earn.history.depth.2026-02-03.eps_actual,earn.history.depth.2026-02-03.eps_estimated,earn.history.depth.2025-10-29.revenue_actual,earn.history.depth.2025-10-29.revenue_estimated,earn.history.depth.2025-10-29.eps_actual,earn.history.depth.2025-10-29.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Legal name | HANOVER INSURANCE GROUP, INC. Our market-data provider lists the name as "The Hanover Insurance Group, Inc."; the filer's own record is used here. | 2026-02-20 | OFFICIAL | SEC EDGAR — 10-K filed 2026-02-20 |
| Business description | The Hanover Insurance Group, Inc. (THG) is a U.S.-based insurer offering a wide array of property and casualty coverage through its various operating units. Its operations are organized into three main divisions: Commercial Lines, Personal Lines, and an "Other" segment. The Commercial Lines division delivers a comprehensive suite of business insurance solutions, including multi-peril, commercial auto, and workers' compensation policies. It also provides management and professional liability, marine, specialized industrial and commercial property, standalone general liability, surety bonds, umbrella liability, fidelity, crime, and additional commercial protection. Within Personal Lines, customers can access auto and homeowners' insurance, alongside other individual coverages like personal umbrella policies, inland marine, fire, personal watercraft, and personal cyber protection. The "Other" segment focuses on delivering investment management expertise to institutions, pension funds, and a range of other organizational clients. Distribution of Hanover's offerings is primarily facilitated by a network of independent agents and brokers. Originally incorporated as Allmerica Financial Corp., the company adopted its current name, The Hanover Insurance Group, Inc., in December 2005. Established in 1852, The Hanover Insurance Group, Inc. maintains its corporate headquarters in Worcester, Massachusetts. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Personal Lines Segment: $2.69B; Other Operating Segment: $21.00M; Specialty Lines Segment: $1.51B; Core Commercial Lines Segment: $2.42B | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $11.17B; Cash and short-term investments: $2.02B; Long-term investments: $9.15B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Sector / industry (provider taxonomy) | Financial Services / Insurance - Property & Casualty The company's SEC filings classify it under SIC 6331 — Fire, Marine & Casualty Insurance. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-28 | FMP | Financial Modeling Prep (FMP) earnings |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash, investments and debt | Total debt: $844.00M; Liquidity basis: cash and short-term investments; Total liabilities: $13.19B; Cash and short-term investments: $2.02B; Cash and investments: $11.17B; Long-term investments: $9.15B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Trailing twelve-month ratio set | Quick ratio: 122.53; Current ratio: 122.53; Debt to equity: 0.23; Net margin: 11.2%; Gross margin: 39.9%; Operating margin: 14.3%; Return on assets: 4.5%; Return on equity: 21.2% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-09-11 | FMP | Financial Modeling Prep (FMP) dividend history |
| Next scheduled dividend | Ex date: 2026-09-11; Declared on: 2026-08-31; Record date: 2026-09-11; Payment date: 2026-09-25; Amount per share: $0.95 Amount is per share as declared, before any withholding. Owning the share before the ex-date is what carries entitlement. | 2026-08-31 | FMP | Financial Modeling Prep (FMP) dividend calendar |
| Next earnings report | Date: 2026-11-04; EPS estimate: $4.37 per share; Revenue estimate: $1.81B The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
At most 3 analysts contributed — treat this as thin coverage, not a consensus. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Most recent periodic reports | 2026-07-29 | OFFICIAL | SEC EDGAR filer submissions |
Data provided for informational purposes only.