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THG · Hanover Insurance Group, Inc.

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$219.02 -3.15 (-1.42%) At close · Aug 19
Market Cap
$7.74B
Shares
34.82M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$222.17 Open$223.30 Day$221.97–225.74 52W close$167.57–232.63 Avg vol 30d321K Short int766K · 2.2% float · 2.1d Short vol26% Last earningsJul 29, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 29

Up next

Next earnings call
Oct 28, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Jul 29, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Strong Buy
      SellHoldBuy
      Technical Neutral Momentum Very Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Very Low
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +18%
      above
      Price vs 50-day avg +3%
      above
      RSI (14) 51
      neutral
      MACD trend Negative
      52-week position 84%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +3%
      trailing
      6-month return +26%
      trailing
      YTD return +22%
      this year
      Relative strength +15%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $215 › 200d $188 — 50d above 200d
      Institutional flow Accumulating
      +7% holders QoQ · +82 funds added
      Insider flow Distributing
      Net -$3.6M over 90 days · 100% sells
      Short interest Falling
      2.20% of float · ▼ -35.1% MoM · 2.1 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      545 holders — near 3-yr high, broad support
      Squeeze score 45
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +6%
      Y/Y
      EPS growth +55%
      Y/Y
      Free cash flow $1.2B
      Valuation P/E 10.6
      below peers
      Buyback $660.0M
      remaining
      Balance sheet $95.6M
      net debt
      Quant / Vol
      risk profile
      Very Low
      Volatility 21%
      annualized · 1-yr
      Max drawdown −10%
      past year
      ATR 2.1%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Prior guidance period ended · from the Earnings Call filed Mar 31, 2024
      Expense ratio · full year 2024 30.7%
      CAT load · second quarter of 2024 8.5%
      CAT load · full year 2024 7%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 4 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +18% Bullish
      Price vs 50-day avg
      +3% Bullish
      RSI (14)
      51 Neutral
      MACD trend
      Negative Bearish
      52-week position
      84% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $215 › 200d $188 — 50d above 200d
      Institutional flow Accumulating
      +7% holders QoQ · +82 funds added
      Insider flow Distributing
      Net -$3.6M over 90 days · 100% sells
      Short interest Falling
      2.20% of float · ▼ -35.1% MoM · 2.1 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      545 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $168 Now $222 · 84% Range high $233
      vs 200-day avg +18% vs 50-day avg +3%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Book value per share $105.4 Q2 2026 —
      Book value per share, excluding net unrealized depreciation on fixed maturity investments, net o non-GAAP $111.26 second quarter of 2026 —
      Catastrophe losses $252.4M Six Months ended June 30 —
      Combined ratio 91.2% Q2 2026 —
      Combined ratio, excluding catastrophe losses 85.4% Six Months ended June 30 —
      Combined ratio, excluding catastrophe losses (non-GAAP) non-GAAP 85.5% Three months ended June 30, 2026 —
      Core Commercial catastrophe losses $86.3M Six Months ended June 30 —
      Current accident year combined ratio, excluding catastrophe losses 86.9% Six Months ended June 30 —
      Current accident year combined ratio, excluding catastrophe losses (non-GAAP) non-GAAP 86.8% Three months ended June 30, 2026 —
      Current accident year combined ratio, excluding catastrophes 81.9% second quarter of 2026 —
      Loss and LAE ratio 60.2% Q2 2026 —
      Net premiums written $697.6M second quarter of 2026 —
      Operating income before income taxes non-GAAP $481.2M Six Months ended June 30 2026 —
      Personal Lines Combined ratio 90.2% Jun-YTD 2026 —
      Personal Lines PIF change from prior year period - Total -1.5% Jun-YTD 2026 —
      Personal Lines Policy Retention - Total 82.8% Jun-YTD 2026 —
      Personal Lines Renewal Price Change - Total 8.6% Jun-YTD 2026 —
      Pre-tax Yield - Fixed maturities 4.44% Jun-YTD 2026 —
      Pre-tax Yield - Total 4.39% Jun-YTD 2026 —
      Total Operating income after income taxes non-GAAP $377.7M Six Months ended June 30 2026 —
      Total pre-tax earned yield on the investment portfolio 4.28% second quarter of 2026 —
      Current accident year loss and LAE ratio, excluding catastrophes non-GAAP 56.3% Q1 2026 —
      Net and operating return on equity non-GAAP 20.6% Full-Year 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Insurance - Property & Casualty — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      THG
      Hanover Insurance Group, Inc.
      this stock
      		$7.74B +21.6% +5.7% 10.6 2.2%
      CB
      Chubb Ltd
      		 $133.92B +9.2% +6.5% 12.2 1.1%
      PGR
      Progressive Corp/Oh/
      		 $120.36B -9.0% +16.3% 10.4 1.4%
      TKOMY
      Tokio Marine Holdings, Inc.
      		 $87.29B +24.0% — — 0.0%
      TRV
      Travelers Companies, Inc.
      		 $76.74B +26.8% +5.2% 9.9 3.6%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      545
      % held
      91.8%
      Net QoQ
      +619.6K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      517
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      766.1K
      Days to cover
      2.1d
      Change
      -414.9K sh
      View
      Short Volume
      Short vol %
      26%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      75
      Value
      $16.1K
      As of
      Jul 21, 2026
      View
      Off-Exchange
      Off-exchange %
      43.1%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$3.6M
      Buyers / Sellers
      0 / 3
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Jefferson Shreve
      Amount
      $15.0K–$50.0K
      Traded
      May 12, 2025
      View
      Financials
      Financials
      Revenue (FY)
      $6.6B
      Net income (FY)
      $662.5M
      EPS diluted
      $18.16
      View
      Buybacks
      Authorized
      $700.0M
      Remaining
      $660.0M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Jul 29, 2026
      This year
      10
      View
      Proposed Sales
      Value
      $1.4M
      Shares
      6.6K
      Filed
      Aug 19, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 29, 2026
      View
      Investor Relations
      Latest news
      The Hanover Reports Record Second…
      Published
      Jul 28, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      THG +0.1% +3.3% +26.2% -4.5% +21.6%
      SPY -0.4% +2.6% +10.7% +2.7% +12.5%
      vs SPY +0.5% +0.8% +15.4% -7.2% +9.0%

      Capital returns

      Latest dividend
      $0.95 / share · ex Jun 12, 2026
      Raised 5.6%
      Paid (TTM)
      $3.75 / share · 4 payouts
      Dividend yield (TTM, derived)
      1.69%
      Buyback program · as of Jul 28, 2026
      Authorized
      $700.00M
      Spent (derived)
      $40.00M
      Remaining
      $660.00M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 944695 CUSIP 410867105 13F (30d) 487 filings 465 filers Visit website Investor relations

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