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The Hanover Insurance Group (THG)

(Delayed Data from NYSE)

$162.09 USD

-0.47 (-0.29%)

Updated Nov 14, 2024 04:00 PM ET

After-Market: $162.16 +0.07 (0.04%) 7:58 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank	Definition	Annualized Return
1	Strong Buy	24.10%
2	Buy	17.80%
3	Hold	9.50%
4	Sell	2.70%
5	Strong Sell	2.70%
S&P	500	11.20%

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3-Hold of 5 3

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score	A
Growth Score	A
Momentum Score	A
VGM Score	A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

Zacks Style Scores Education - Learn more about the Zacks Style Scores

B Value B Growth B Momentum A VGM

Industry Rank:

Top 16% (40 out of 250)

Industry: Insurance - Property and Casualty

View All Zacks #1 Ranked Stocks

Research for THG

Annual Key Company Metrics
Quarterly Key Company Metrics

Revenue - Line of Business Segments	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Core Commercial: Net Investment I...	--	152	136	147	124	--
Specialty: Net Investment Income ...	--	71	62	63	51	--
Personal Lines: Net Investment In...	--	97	87	89	77	--
Core Commercial: Other income [$M...	--	5	11	3	4	--
Specialty: Other income [$M]	--	6	4	6	5	--
Personal Lines: Other income [$M]	--	17	5	10	11	--
Revenues: Premiums earned [$M]		5,663	5,252	4,770	4,527	4,475
Revenues: Net investment income [...		332	296	311	265	281
Revenues: Fees and other income [...		31	27	24	27	26
Operating Revenues: Core Commerci...	--	2,217	2,091	1,961	1,832	2,844
Operating Revenues: Specialty [$M...	--	1,352	1,257	1,099	--	--
Operating Revenues: Personal Line...	--	2,442	2,214	2,029	1,931	1,912
Core Commercial: Net Premiums Ear...		2,060	1,951	1,811	--	--
Specialty: Net Premiums Earned [$...		1,274	1,189	1,030	--	--
Personal Lines: Net Premiums Earn...		2,329	2,113	1,929	1,844	--
Income - Line of Business	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Core Commercial: Operating Income...	--	167	107	138	178	--
Specialty: Operating Income (loss...	--	244	186	132	97	--
Personal Lines: Operating Income ...	--	-304	-9	159	213	--
Other: Operating Income (loss) be...	--	-1	1	4	-3	--
NFM - Operating & Non Financial Metrics	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
GAAP Loss and LAE Ratio [%]		73	69	66	63	64
GAAP Expense Ratio [%]		31	31	31	32	32
GAAP Combined Ratio [%]		104	100	97	94	96
Core Commercial - Loss and LAE Ra...		66	69	--	--	--
Personal Lines - Loss and LAE Rat...		92	78	69	65	--
Specialty - Loss and LAE Ratio [%...		51	54	--	--	--
Core Commercial - Expense Ratio [...		33	33	--	--	--
Personal Lines - Expense Ratio [%...		26	27	28	28	--
Specialty - Expense Ratio [%]		36	35	--	--	--
Core Commercial - Combined Ratio ...		99	101	--	--	--
Personal Lines - Combined Ratio [...		117	104	96	92	--
Specialty - Combined Ratio [%]		86	89	--	--	--

Revenue - Line of Business Segments	Qtr Estimate	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023
Core Commercial: Net Investment I...		42	41	41	--	38
Specialty: Net Investment Income ...		21	21	20	--	18
Personal Lines: Net Investment In...		26	26	26	--	24
Core Commercial: Other income [$M...		1	1	1	--	1
Specialty: Other income [$M]		2	2	1	--	1
Personal Lines: Other income [$M]		4	4	4	--	4
Revenues: Premiums earned [$M]		1,479	1,473	1,449	1,440	1,431
Revenues: Net investment income [...		92	90	90	82	84
Revenues: Fees and other income [...		7	8	7	8	7
Operating Revenues: Core Commerci...		577	580	571	--	557
Operating Revenues: Specialty [$M...		354	353	343	--	341
Operating Revenues: Personal Line...		645	635	628	--	621
Core Commercial: Net Premiums Ear...		533	537	529	520	517
Specialty: Net Premiums Earned [$...		331	331	321	321	322
Personal Lines: Net Premiums Earn...		615	605	599	599	592
Income - Line of Business	Qtr Estimate	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023
Core Commercial: Operating Income...		56	83	72	53	43
Specialty: Operating Income (loss...		73	43	59	71	70
Personal Lines: Operating Income ...		22	-30	19	37	-100
Other: Operating Income (loss) be...	--	--	0	1	--	1
NFM - Operating & Non Financial Metrics	Qtr Estimate	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023
GAAP Loss and LAE Ratio [%]		65	68	65	64	74
GAAP Expense Ratio [%]		31	31	31	31	30
GAAP Combined Ratio [%]		96	99	96	94	104
Core Commercial - Loss and LAE Ra...		63	58	61	63	65
Personal Lines - Loss and LAE Rat...		75	84	76	73	96
Specialty - Loss and LAE Ratio [%...		46	56	51	47	48
Core Commercial - Expense Ratio [...		34	33	33	34	33
Personal Lines - Expense Ratio [%...		25	25	26	25	25
Specialty - Expense Ratio [%]		38	37	37	36	35
Core Commercial - Combined Ratio ...		97	92	94	97	99
Personal Lines - Combined Ratio [...		101	109	101	98	121
Specialty - Combined Ratio [%]		84	93	88	83	83

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