THG Hanover Insurance Group Inc

NYSE · Insurance · Visualizza su SEC EDGAR ↗
$195,86
Prezzo · Mag 22, 2026
Fondamentali al Apr 30, 2026
Intervallo 52 sett.
$161–$200
90% of range
Rating Analisti
BUY
13 analysts
Prezzo Obiettivo
$202
+3% upside
P/E (TTM)
10.1
ROE
20.7%
Margine di Profitto Netto
10.1%

THG Snapshot del titolo Prezzo, capitalizzazione di mercato, P/E, EPS, ROE, debito/capitale proprio, intervallo 52 settimane

Prezzo
$195.86
Capitalizzazione di Mercato
—
P/E (TTM)
10.1
EPS (TTM)
$18.16
Ricavi (TTM)
$6.59B
Rendimento div.
—
ROE
20.7%
D/E Debito/Patrimonio
0.1
Intervallo 52 sett.
$161 – $200

THG Grafico del prezzo delle azioni OHLCV giornaliero con indicatori tecnici — panoramica, zoom e personalizza la tua visualizzazione

Performance decennale Andamento di ricavi, utile netto, margini e EPS

Ricavi e Utile Netto $6.59B
10-point trend, +62.7%
2016-12-31 → 2025-12-31
EPS $18.16
10-point trend, +405.8%
2016-12-31 → 2025-12-31
Flusso di cassa libero $1.17B
10-point trend, +62.1%
2016-12-31 → 2025-12-31
Margini 10.1%

Valutazione Rapporti P/E, P/S, P/B, EV/EBITDA — il titolo è costoso o economico?

Metrica
Tendenza 5 anni
THG
Mediana dei peer
P/E (TTM)
5-point trend, -10.9%
10.1
11.6

Redditività Margini lordi, operativi e netti; ROE, ROA, ROIC

Metrica
Tendenza 5 anni
THG
Mediana dei peer
Operating Margin (Margine Operativo)
5-point trend, +71.1%
14.1%
—
Net Profit Margin (Margine di Profitto Netto)
5-point trend, +25.5%
10.1%
11.6%
ROA
5-point trend, +36.1%
4.1%
5.4%
ROE
5-point trend, +54.2%
20.7%
21.4%
ROIC
5-point trend, +67.2%
18.5%
—

Salute finanziaria Debito, liquidità, solvibilità — solidità del bilancio

Metrica
Tendenza 5 anni
THG
Mediana dei peer
Debt / Equity (Debito / Patrimonio Netto)
2-point trend, +383.9%
0.1
0.0

Crescita Crescita di ricavi, EPS e utile netto: YoY, CAGR 3Y, CAGR 5Y

Metrica
Tendenza 5 anni
THG
Mediana dei peer
Revenue YoY (Ricavi YoY)
5-point trend, +26.1%
5.7%
—
Revenue CAGR 3Y (CAGR Ricavi 3Y)
5-point trend, +26.1%
6.4%
—
Revenue CAGR 5Y (CAGR Ricavi 5Y)
5-point trend, +26.1%
6.5%
—
EPS YoY
5-point trend, +56.6%
55.2%
—
Net Income YoY (Utile Netto YoY)
5-point trend, +56.7%
55.5%
—

Metriche per Azione EPS, valore contabile per azione, flusso di cassa per azione, dividendo per azione

Metrica
Tendenza 5 anni
THG
Mediana dei peer
EPS (Diluted) (EPS (Diluito))
5-point trend, +56.6%
$18.16
—

Efficienza del Capitale Rotazione delle attività, rotazione delle scorte, rotazione dei crediti

Metrica
Tendenza 5 anni
THG
Mediana dei peer
Payout Ratio (Rapporto di Distribuzione Utili)
5-point trend, -19.3%
19.7%
—

Dividendi Rendimento, payout ratio, storico dividendi, CAGR 5Y

Dividend Yield
—
Rapporto di Distribuzione Utili
19.7%
CAGR Dividendi 5Y
—
Data ex-dividendoImporto
13 Marzo 2026$0,9500
12 Dicembre 2025$0,9500
12 Settembre 2025$0,9000
13 Giugno 2025$0,9000
14 Marzo 2025$0,9000
13 Dicembre 2024$0,9000
13 Settembre 2024$0,8500
14 Giugno 2024$0,8500
14 Marzo 2024$0,8500
14 Dicembre 2023$0,8500
14 Settembre 2023$0,8100
15 Giugno 2023$0,8100
14 Marzo 2023$0,8100
14 Dicembre 2022$0,8100
15 Settembre 2022$0,7500
09 Giugno 2022$0,7500
10 Marzo 2022$0,7500
15 Dicembre 2021$0,7500
09 Settembre 2021$0,7000
10 Giugno 2021$0,7000

THG Consenso degli analisti Opinioni degli analisti, sia rialziste che ribassiste, target price a 12 mesi, potenziale di rialzo

COMPRA 13 analisti
  • Acquisto forte 2 15,4%
  • Compra 6 46,2%
  • Mantieni 5 38,5%
  • Vendi 0 0,0%
  • Vendita forte 0 0,0%

Target Price a 12 Mesi

8 analisti · 2026-05-17
Target mediano $203.50 +3,9%
Target medio $202.38 +3,3%

Cronologia utili EPS effettivo vs stima, surprise %, tasso di superamento, data prossimi utili

Tasso di Superamento
75.0%
Sorpresa media
0.55%
Periodo EPS Actual EPS Stimato Sorpresa
31 Marzo 2026 $5.25 $4.23 1.0%
31 Dicembre 2025 $5.79 $5.01 0.78%
30 Settembre 2025 $5.09 $4.26 0.83%
30 Giugno 2025 $4.35 $3.16 1.2%
31 Marzo 2025 $3.87 $3.48 0.39%
30 Giugno 2000 $1.37 $1.37 0.00%
31 Marzo 2000 $1.22 $1.24 -0.02%
31 Dicembre 1999 $1.48 $1.29 0.19%

Confronto tra pari Metriche chiave rispetto ai pari del settore

Ticker Capitalizzazione di Mercato P/E Rev YoY Margine Netto ROE Margine lordo
THG — 10.1 5.7% 10.1% 20.7% —
AFG $11.40B 13.6 -1.8% 10.3% 18.1% —
ERIE — — 7.2% 13.8% 25.0% —
ORI — 12.3 11.0% 10.2% 16.2% —
KNSL $9.05B 18.1 18.0% 26.9% 27.4% —
FAF $6.27B 10.2 21.6% 8.3% 11.9% —
MCY $5.21B 9.6 9.4% 9.0% 24.8% —
SIGI $5.03B 11.2 9.8% 8.7% 13.9% —
WTM $5.15B 4.8 66.8% 29.6% 22.3% —
RLI $5.88B 14.6 6.3% 21.4% 23.0% —
LMND $5.40B -31.8 40.2% -22.4% -31.2% —

Fondamentali Completi Tutte le metriche per anno — conto economico, stato patrimoniale, rendiconto finanziario

Conto Economico 11
Dati annuali Conto Economico per THG
Metrica Tendenza 202520242023202220212020201920182017201620152014
Revenue 12-point trend, +30.1% $6.59B $6.24B $5.99B $5.47B $5.23B $4.82B $4.89B $4.49B $4.27B $4.05B $5.03B $5.07B
Operating Income 12-point trend, +129.7% $933M $650M $106M $285M $432M $485M $454M $406M $327M $193M $466M $406M
Other Non-op 9-point trend, -166.7% · $-2M $2M $-500.0K · $-2M $-3M · $-10M $3M $100.0K $-900.0K
Pretax Income 12-point trend, +123.2% $844M $538M $41M $144M $521M $445M $522M $282M $293M $66M $439M $378M
Income Tax 12-point trend, +91.3% $183M $112M $8M $27M $101M $83M $93M $44M $77M $-1M $109M $96M
Net Income 12-point trend, +134.9% $662M $426M $35M $116M $423M $359M $425M $391M $186M $155M $332M $282M
EPS (Basic) 12-point trend, +188.6% $18.50 $11.85 $0.99 $3.26 $11.78 $9.52 $10.62 $9.21 $4.38 $3.63 $7.55 $6.41
EPS (Diluted) 12-point trend, +189.2% $18.16 $11.70 $0.98 $3.21 $11.60 $9.42 $10.46 $9.09 $4.33 $3.59 $7.40 $6.28
Shares (Basic) 12-point trend, -18.6% 35,800,000 35,900,000 35,700,000 35,600,000 35,900,000 37,700,000 40,000,000 42,400,000 42,500,000 42,800,000 43,900,000 44,000,000
Shares (Diluted) 12-point trend, -18.7% 36,500,000 36,400,000 36,100,000 36,100,000 36,400,000 38,100,000 40,600,000 43,000,000 43,000,000 43,200,000 44,800,000 44,900,000
EBITDA 10-point trend, +128.6% $928M $650M $106M $285M $432M $485M $454M $406M $336M · · $406M
Stato Patrimoniale 16
Dati annuali Stato Patrimoniale per THG
Metrica Tendenza 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, +200.8% $1.12B $436M $316M $305M $231M $121M $216M $1.02B $298M $147M $339M $373M
Goodwill 12-point trend, -3.1% $179M $179M $179M $179M $179M $179M $179M $179M $179M $185M $186M $185M
Intangibles 5-point trend, +12.5% $18M $16M $16M $16M $16M · · · · · · ·
Total Assets 12-point trend, +23.2% $16.95B $15.27B $14.61B $14.00B $14.25B $13.44B $12.49B $12.40B $15.47B $14.22B $13.78B $13.76B
Short-term Debt 2-point trend, +506.8% $375M $62M · · · · · · · · · ·
Deferred Tax 3-point trend, +17.4% · · · · $61M $97M $52M · · · · ·
Total Liabilities 12-point trend, +22.5% $13.37B $12.43B $12.15B $11.66B $11.11B $10.24B $9.57B $9.45B $12.47B $11.36B $10.94B $10.92B
Long-term Debt 9-point trend, -6.7% $843M $722M $783M · · · $653M $778M $787M $786M $803M $904M
Total Debt 2-point trend, +506.8% $375M $62M · · · · · · · · · ·
Common Stock Flat — no change across 12 periods $600.0K $600.0K $600.0K $600.0K $600.0K $600.0K $600.0K $600.0K $600.0K $600.0K $600.0K $600.0K
Paid-in Capital 3-point trend, +0.9% · · · · · · · · · $1.85B $1.83B $1.83B
Retained Earnings 12-point trend, +140.0% $3.74B $3.21B $2.91B $2.99B $2.98B $2.67B $2.41B $2.18B $1.98B $1.88B $1.80B $1.56B
Treasury Stock 12-point trend, +167.5% $2.01B $1.89B $1.87B $1.87B $1.85B $1.70B $1.49B $984M $942M $928M $847M $752M
AOCI 12-point trend, -183.0% $-171M $-456M $-517M $-702M $122M $372M $153M $-116M $108M $63M $54M $206M
Stockholders' Equity 12-point trend, +25.6% $3.57B $2.84B $2.47B $2.33B $3.14B $3.20B $2.92B $2.95B $3.00B $2.86B $2.84B $2.84B
Liabilities + Equity 12-point trend, +23.2% $16.95B $15.27B $14.61B $14.00B $14.25B $13.44B $12.49B $12.40B $15.47B $14.22B $13.78B $13.76B
Flusso di cassa 16
Dati annuali Flusso di cassa per THG
Metrica Tendenza 202520242023202220212020201920182017201620152014
D&A 12-point trend, -113.7% $-5M $2M $6M $13M $17M $18M $22M $25M $30M $31M $30M $34M
Stock-based Comp 12-point trend, +135.8% $36M $31M $31M $29M $23M $20M $17M $13M $12M $12M $12M $15M
Deferred Tax 12-point trend, -79.9% $14M $-19M $-25M $-46M $24M $-23M $13M $-3M $74M $-27M $53M $69M
Other Non-cash $471M · · · · · · · · · · ·
Operating Cash Flow 12-point trend, +108.6% $1.18B $806M $362M $722M $824M $708M $603M $551M $705M $743M $445M $565M
CapEx 12-point trend, -31.2% $8M $10M $12M $18M $8M $15M $13M $13M $19M $16M $20M $11M
Investing Cash Flow 12-point trend, -10.9% $-666M $-541M $-228M $-508M $-460M $-609M $-312M $271M $-506M $-495M $-172M $-601M
Debt Issued 2-point trend, -20.0% · · · · · $296M · · · $371M · ·
Net Debt Issued 6-point trend, +17328.6% · · · · · $121M $-151M $-12M · $-105M $-114M $-700.0K
Stock Repurchased 12-point trend, +533.3% $129M $27M $0 $31M $163M $213M $564M $58M $37M $106M $127M $20M
Net Stock Activity 11-point trend, -533.3% $-129M $-27M · $-31M $-163M $-213M $-564M $-58M $-37M $-106M $-127M $-20M
Dividends Paid 12-point trend, +94.9% $131M $124M $117M $109M $102M $100M $386M $94M $87M $80M $74M $67M
Financing Cash Flow 12-point trend, +344.4% $175M $-146M $-122M $-141M $-253M $-194M $-1.10B $-171M $-112M $-301M $-301M $-72M
Net Change in Cash 10-point trend, +109.8% · · $11M $74M $110M $-95M $-808M $648M $94M $-56M $-34M $-113M
Taxes Paid 12-point trend, +1911.9% $169M $149M $-22M $108M $74M $97M $114M $57M $51M $30M $57M $8M
Free Cash Flow 12-point trend, +111.5% $1.17B $796M $350M $704M $816M $693M $590M $538M $686M $722M $419M $554M
Redditività 7
Dati annuali Redditività per THG
Metrica Tendenza 202520242023202220212020201920182017201620152014
Operating Margin 10-point trend, +76.4% 14.1% 10.4% 1.8% 5.2% 8.3% 10.0% 9.3% 9.0% 6.5% · · 8.0%
Net Margin 12-point trend, +80.8% 10.1% 6.8% 0.59% 2.1% 8.0% 7.4% 8.7% 8.7% 3.6% 3.1% 6.6% 5.6%
Pretax Margin 12-point trend, +90.2% 12.8% 8.6% 0.69% 2.6% 10.0% 9.2% 10.7% 6.3% 5.8% 3.9% 8.7% 6.7%
EBITDA Margin 10-point trend, +75.6% 14.1% 10.4% 1.8% 5.2% 8.3% 10.0% 9.3% 9.0% 6.5% · · 8.0%
ROA 12-point trend, +97.6% 4.1% 2.9% 0.25% 0.82% 3.0% 2.8% 3.4% 2.8% 1.2% 1.1% 2.4% 2.1%
ROE 12-point trend, +105.8% 20.7% 14.9% 1.5% 5.0% 13.4% 11.3% 14.2% 13.2% 6.2% 5.2% 11.6% 10.0%
ROIC 10-point trend, +80.2% 18.5% 17.7% 3.5% 9.9% 11.1% 12.3% 12.8% 11.6% 7.5% · · 10.3%
Liquidità e Solvibilità 1
Dati annuali Liquidità e Solvibilità per THG
Metrica Tendenza 202520242023202220212020201920182017201620152014
Debt / Equity 2-point trend, +383.9% 0.1 0.0 · · · · · · · · · ·
Efficienza 1
Dati annuali Efficienza per THG
Metrica Tendenza 202520242023202220212020201920182017201620152014
Asset Turnover 12-point trend, +9.6% 0.4 0.4 0.4 0.4 0.4 0.4 0.4 0.3 0.3 0.4 0.4 0.4
Per Azione 3
Dati annuali Per Azione per THG
Metrica Tendenza 202520242023202220212020201920182017201620152014
Revenue / Share 12-point trend, +60.1% $180.67 $171.36 $166.02 $151.48 $143.62 $126.70 $120.46 $104.52 $120.57 $114.49 $112.37 $112.86
Cash Flow / Share 12-point trend, +156.6% $32.28 $22.15 $10.02 $20.01 $22.63 $18.57 $14.85 $12.82 $16.39 $17.07 $9.79 $12.58
EPS (TTM) 12-point trend, +189.2% $18.16 $11.70 $0.98 $3.21 $11.60 $9.42 $10.46 $9.09 $4.33 $3.59 $7.40 $6.28
Tassi di Crescita 10
Dati annuali Tassi di Crescita per THG
Metrica Tendenza 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, -31.5% 5.7% 4.1% 9.6% 4.6% 8.3% · · · · · · ·
Revenue CAGR 3Y 3-point trend, -14.1% 6.4% 6.1% 7.5% · · · · · · · · ·
Revenue CAGR 5Y 6.5% · · · · · · · · · · ·
EPS YoY 5-point trend, +138.6% 55.2% 1093.9% -69.5% -72.3% 23.1% · · · · · · ·
EPS CAGR 3Y 3-point trend, +247.6% 78.2% 0.29% -53.0% · · · · · · · · ·
EPS CAGR 5Y 14.0% · · · · · · · · · · ·
Net Income YoY 5-point trend, +210.7% 55.5% 1106.8% -69.6% -72.6% 17.9% · · · · · · ·
Net Income CAGR 3Y 3-point trend, +246.3% 78.8% 0.25% -53.8% · · · · · · · · ·
Net Income CAGR 5Y 13.1% · · · · · · · · · · ·
Dividend CAGR 5Y 5.6% · · · · · · · · · · ·
Valutazione (TTM) 6
Dati annuali Valutazione (TTM) per THG
Metrica Tendenza 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +30.1% $6.59B $6.24B $5.99B $5.47B $5.23B $4.82B $4.89B $4.49B $4.27B $4.05B $5.03B $5.07B
Net Income TTM 12-point trend, +134.9% $662M $426M $35M $116M $423M $359M $425M $391M $186M $155M $332M $282M
P/E 12-point trend, -11.4% 10.1 13.2 123.9 42.1 11.3 12.4 13.1 12.8 25.0 25.4 11.0 11.4
Earnings Yield 12-point trend, +12.8% 9.9% 7.6% 0.81% 2.4% 8.8% 8.1% 7.6% 7.8% 4.0% 3.9% 9.1% 8.8%
Payout Ratio 12-point trend, -17.0% 19.7% 29.1% 332.0% 93.9% 24.4% 27.7% 90.8% 24.1% 46.6% 51.8% 22.4% 23.8%
Annual Payout 12-point trend, +94.9% $131M $124M $117M $109M $102M $100M $386M $94M $87M $80M $74M $67M

Bilanci Conto economico, stato patrimoniale, flusso di cassa — annuale, ultimi 5 anni

Conto Economico
2025-12-312024-12-312023-12-312022-12-312021-12-31
Ricavi $6.59B$6.24B$5.99B$5.47B$5.23B
Margine Operativo % 14.1%10.4%1.8%5.2%8.3%
Utile netto $662M$426M$35M$116M$423M
EPS Diluito $18.16$11.70$0.98$3.21$11.60
Stato Patrimoniale
2025-12-312024-12-312023-12-312022-12-312021-12-31
Debito / Patrimonio Netto 0.10.0———
Flusso di cassa
2025-12-312024-12-312023-12-312022-12-312021-12-31
Flusso di cassa libero $1.17B$796M$350M$704M$816M

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