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Upturn AI SWOT - About
THG 
The Hanover Insurance Group Inc (THG)
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Upturn Advisory Summary
04/01/2025: THG (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 18.37% | Avg. Invested days 58 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.31B USD | Price to earnings Ratio 14.99 | 1Y Target Price 183.29 |
Price to earnings Ratio 14.99 | 1Y Target Price 183.29 | ||
Volume (30-day avg) 248373 | Beta 0.66 | 52 Weeks Range 117.63 - 176.16 | Updated Date 04/1/2025 |
52 Weeks Range 117.63 - 176.16 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.07% | Basic EPS (TTM) 11.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.83% | Operating Margin (TTM) 13.89% |
Management Effectiveness
Return on Assets (TTM) 2.39% | Return on Equity (TTM) 16.03% |
Valuation
Trailing PE 14.99 | Forward PE 11.71 | Enterprise Value 6633952768 | Price to Sales(TTM) 1.01 |
Enterprise Value 6633952768 | Price to Sales(TTM) 1.01 | ||
Enterprise Value to Revenue 1.06 | Enterprise Value to EBITDA - | Shares Outstanding 36039400 | Shares Floating 35602869 |
Shares Outstanding 36039400 | Shares Floating 35602869 | ||
Percent Insiders 0.81 | Percent Institutions 89.3 |
Analyst Ratings
Rating 3.71 | Target Price 176.29 | Buy 3 | Strong Buy 1 |
Buy 3 | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
The Hanover Insurance Group Inc
Company Overview
History and Background
The Hanover Insurance Group, Inc. was founded in 1852 as the Massachusetts Fire and Marine Insurance Company. Over time, it expanded its offerings and geographic reach through acquisitions and organic growth. It became The Hanover Insurance Group in 1995.
Core Business Areas
- Commercial Lines: Provides a range of property and casualty insurance products to businesses, including small businesses, middle market companies, and specialty industries.
- Personal Lines: Offers a variety of personal insurance products, such as auto, homeowners, and umbrella insurance, sold through independent agents.
- Other: Includes Opus Investment Management, Inc. which provides investment management services.
Leadership and Structure
The leadership team is headed by John C. Roche, President and Chief Executive Officer. The organizational structure includes various departments overseeing underwriting, claims, finance, technology, and sales, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Multiple Peril: Provides comprehensive coverage for commercial properties, including fire, theft, and liability. Competitors include Travelers, Chubb, and Liberty Mutual. Market share data unavailable, estimated around 1% of total US market.
- Homeowners Insurance: Provides coverage for homeowners against various perils, including fire, wind, and theft. Competitors include State Farm, Allstate, and USAA. Market share data unavailable, estimated around 0.5% of total US market.
- Personal Auto Insurance: Offers auto insurance coverage to individuals and families. Competitors include State Farm, Progressive, and GEICO. Market share data unavailable, estimated around 0.6% of total US market.
Market Dynamics
Industry Overview
The property and casualty insurance industry is characterized by intense competition, regulatory scrutiny, and exposure to catastrophic events. Technological advancements and changing consumer preferences are driving innovation.
Positioning
The Hanover positions itself as a partner to independent agents, offering specialized products and services. Its competitive advantage lies in its strong agent relationships and expertise in niche markets.
Total Addressable Market (TAM)
The US P&C insurance market is estimated at over $800 billion annually. The Hanover focuses on specific segments and is positioned to capture a small but significant portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong independent agent network
- Specialized product offerings
- Solid financial performance
- Experienced management team
Weaknesses
- Smaller market share compared to larger competitors
- Exposure to catastrophic events
- Dependence on independent agents
Opportunities
- Expansion into new geographic markets
- Development of innovative insurance products
- Increased adoption of technology
- Strategic acquisitions
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Climate change and increased frequency of catastrophic events
Competitors and Market Share
Key Competitors
- TRV
- CB
- ALL
- PRU
- MET
Competitive Landscape
The Hanover faces intense competition from larger, more established players. However, its focus on independent agents and specialized products provides a competitive edge.
Major Acquisitions
AIX Group
- Year: 2009
- Acquisition Price (USD millions): 271
- Strategic Rationale: Expanded The Hanover's specialty commercial lines business.
Growth Trajectory and Initiatives
Historical Growth: The Hanover has experienced moderate growth in recent years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth for The Hanover, driven by increased demand for insurance products and the company's strategic initiatives.
Recent Initiatives: Recent initiatives include investments in technology, expansion of specialized product offerings, and strengthening relationships with independent agents.
Summary
The Hanover Insurance Group shows steady growth and solid financials, benefiting from its independent agent network and specialized offerings. However, it faces stiff competition and vulnerability to catastrophic events. Strategic initiatives should focus on technology and expanding its market reach to mitigate these risks and foster continued growth. The company's management team also are considered solid and it is in a niche market.
Similar Companies
- TRV
- CB
- ALL
- PRU
- MET
- WRB
- HIG
- AIG
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Earnings Call Transcripts
- Industry Reports (e.g., S&P Global, Moody's)
- Analyst Reports
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About The Hanover Insurance Group Inc
Exchange NYSE | Headquaters Worcester, MA, United States | ||
IPO Launch date 1995-10-10 | President, CEO & Director Mr. John Conner Roche | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 4900 | Website https://www.hanover.com |
Full time employees 4900 | Website https://www.hanover.com | ||
The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services in the United States. The company operates through four segments: Core Commercial, Specialty, Personal Lines, and Other. It offers commercial multiple peril, workers' compensation, commercial automobile, and other commercial lines coverage; and professional and executive lines, marine, and surety and other, as well as specialty property and casualty comprising Hanover program business, excess and surplus business, Hanover specialty industrial, and specialty general liability business coverage. The company also provides personal automobile; and homeowners and other personal lines, including residences and personal property, liability claims, personal umbrella, inland marine, fire, personal watercraft, personal cyber, and other miscellaneous coverages. It markets its products and services through independent agents and brokers. The company was formerly known as Allmerica Financial Corp. and changed its name to The Hanover Insurance Group, Inc. in December 2005. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts.
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