The Hanover Insurance Group, Inc.

THG

$231.68

+2.01%

2026-09-03 16:00:03 EDT+$4.56

Financial Services

Insurance - Property & Casualty

NYSE

활발히 거래 중

The Hanover Insurance Group, Inc. (THG) is a U.S.-based insurer offering a wide array of property and casualty coverage through its various ...

THG 주가 흐름

$231.68

+2.01%+$4.56

고가—

저가—

52주 최고-1.9%

거래량비—

간격

범위5.9h

거래량—SMA5SMA10

—

The Hanover Insurance Group, Inc. (THG) is a prominent U.S.-based insurance holding company that traces its roots to 1852. It operates primarily through three divisions: Commercial Lines, Personal Lines, and 'Other'. The Commercial Lines division provides a broad array of business insurance solutions including multi-peril, commercial auto, workers' compensation, management ...The Hanover Insurance Group, Inc. (THG) is a prominent U.S.-based insurance holding company that traces its roots to 1852. It operates primarily through three divisions: Commercial Lines, Personal Lines, and 'Other'. The Commercial Lines division provides a broad array of business insurance solutions including multi-peril, commercial auto, workers' compensation, management and professional liability, marine, specialized industrial and commercial property, surety bonds, umbrella liability, and more. The Personal Lines division offers auto and homeowners insurance, along with personal umbrella, inland marine, fire, personal watercraft, and personal cyber protection. The 'Other' segment delivers investment management services to institutions and pension funds. The company distributes its products through a network of independent agents and brokers, a strategy that has been central to its business model. Financially, THG is publicly traded on the New York Stock Exchange, with a market capitalization of approximately $7.98 billion as of the latest data. The company has a strong financial footprint, with a current ratio of 122.5, indicating high liquidity, and a price-to-earnings ratio of about 10.8. Its return on equity is robust at 21.2%, reflecting efficient use of shareholder equity. The company has a moderate debt level with a debt-to-equity ratio of 0.23, demonstrating a conservative capital structure. Its commitment to shareholders is shown through a dividend yield of 1.6% and a payout ratio of 22%. Key leadership is led by CEO John Conner Roche, who has been in the role since October 2017. The company employs around 4,900 people across 48 offices in the U.S. As a company with a long-standing history, Hanover continues to adapt to the evolving insurance landscape, emphasizing customer service and risk management, and looking toward growth through technological innovation and expansion of its product offerings.펼치기접기

설립

1852

직원 수

4900

CEO

John Conner Roche

정식 명칭

The Hanover Insurance Group, Inc.

섹터

Financial Services

산업

Insurance - Property & Casualty

ROE

21.22%

시가총액

$8.07B

유동비율

122.53

WACC

5.57%

ROIC

9.25%

연락처 정보

https://www.hanover.com

508 855 1000

440 Lincoln Street, Worcester, MA 01653

THG 핵심 지표

스냅샷

최근 / TTM · 6개 기간

시가총액

$8.07B

ROCE

5.7%

EV / EBITDA

8.57x

-9.0% YoY

FCF 수익률

15.5%

-2.4% YoY

현금전환주기

101.3d

유동비율

122.53

요약

TTM —

Positive CCC

THG 재무 하이라이트

수익성 추세

최신 / TTM · 6개 기간

매출총이익률

39.9%

순이익률

11.2%

P/E 비율

10.91x

없음

부채 / 자본

0.23

없음

유동비율

122.53

배당수익률

1.6%

이해

TTM —

이 주요 비율에서는 큰 재무 부담이 보이지 않습니다.

THG 캘린더

예정

2026년 9월 11일7일 후
배당락일
$3.75 주당
2026년 9월 30일26일 후
Q3 FY2026 · 실적 전망
예상 EPS $4.39 · 매출 $1.81B · 5 명의 애널리스트
2026년 12월 30일
Q4 FY2026 · 실적 전망
예상 EPS $5.41 · 매출 $1.56B · 5 명의 애널리스트
2026년 12월 31일
FY2026 · 연간 실적 전망
예상 EPS $20.29 · 매출 $6.65B · 5 명의 애널리스트

최근 이력

2026년 7월 29일
Q2 FY2026 · 실적 발표 완료
EPS $5.28 · 매출 $1.73B
공시 보기
2026년 6월 26일
배당 지급일
$3.75 주당
2026년 4월 30일
Q1 FY2026 · 실적 발표 완료
EPS $5.15 · 매출 $1.70B
공시 보기
2026년 2월 20일
FY2025 · 연간 실적 발표
EPS $18.51 · 매출 $6.60B
공시 보기
2025년 10월 30일
Q3 FY2025 · 실적 발표 완료
EPS $4.91 · 매출 $1.66B
공시 보기
2025년 7월 31일
Q2 FY2025 · 실적 발표 완료
EPS $4.30 · 매출 $1.65B
공시 보기

THG 재무제표

5년 추세(매출, 이익, FCF)

지표	최신	전년 대비YoY는 Year-over-Year(전년 대비)를 의미합니다. 최근 연도 값을 이전 연도 값과 비교하여 장기 추세의 강도를 보여줍니다.	전분기 대비QoQ는 Quarter-over-Quarter(전분기 대비)를 의미합니다. 최근 분기를 직전 분기와 비교하여 단기 모멘텀 변화를 보여줍니다.
매출고객에게 물건을 판매하여 청구서가 지급되기 전까지 들어온 총 금액입니다. 고객의 모든 카드 결제의 총합이라고 보시면 됩니다. (YoY는 올해를 작년 성과와 비교하며, QoQ는 최근 3개월을 이전 3개월과 비교합니다).	$6.6B	+6.1%	+1.5%
순이익절대적인 최종 이익입니다. 회사가 모든 공급업체, 직원, 은행, 세무 당국에 비용을 지불하고 남은 실제 금액입니다.	$662.5M	+55.5%	+2.6%
매출총이익률기본적인 마진입니다. 100달러짜리 운동화를 판매한다면, 이 비율은 원료와 끈 비용을 지불한 직후의 이익이 가격의 얼마인지를 나타내며, 매장 임대료나 TV 광고 같은 비용은 제외됩니다.	+43.5%	+118.4%	+1.2%
영업이익률본업의 효율성 점수입니다. 고객이 지불하는 1달러 중에서 제품을 만들고 모든 일상적인 회사 운영비(급여, 마케팅, 임대료 등)를 지불한 후 회사가 보유하는 금액을 나타냅니다.	+12.8%	+47.8%	+1.7%
순이익률최종 이익 비율입니다. 모든 비용, 세금, 이자를 차감한 후, 매출 1달러 중 회사가 실제로 보유하는 정확한 액수입니다.	+10.0%	+46.5%	+1.1%
잉여현금흐름기업 현금흐름의 핵심입니다. 일상적인 운영비를 지불하고 생존에 필요한 큰 설비(공장, 서버 등)에 투자한 후 남은 사용 가능한 실제 현금입니다. 배당금이나 자사주 매각에 사용될 수 있는 '자유' 현금입니다.	$1.2B	+47.0%	+81.6%
FCF 마진궁극의 현금 전환율입니다. 일반 매출을 즉시 사용 가능한 현금으로 얼마나 잘 전환하는지를 나타냅니다. 비율이 높을수록 현금 창출 능력이 우수합니다.	+17.7%	+38.5%	+79.0%
부채/자본재무 리스크 지표입니다. 차입금으로 구축된 자산과 주주의 자기자본 비율을 비교합니다. 높으면 레버리지가 크고 위험이 큽니다.	34.1%	+23.6%	-2.8%
유동비율12개월 생존 점검입니다. 현재 보유한 현금과 즉시 현금화 가능한 자산으로 1년 내 갚아야 할 즉시 청구서를 갚을 수 있는지를 비교합니다. 1 이상이면 당장 지급에 충분합니다.	0.62x	-91.4%	+192.4%
총자산회사의 절대적인 규모입니다. 계산대의 현금, 창고의 재고, 소프트웨어 특허, 공장 등 회사가 보유한 모든 가치 있는 자산을 합친 것입니다.	$16.9B	+10.9%	+2.0%

실적 vs 추정치

A Dec 31Q Sep 30

지표	연간 (실적 vs 추정치)	연간 서프라이즈	분기 (실적 vs 추정치)	분기 서프라이즈
EPS 서프라이즈	18.51 vs 18.37	+0.8%	5.28 vs 4.39	+20.3%
매출 서프라이즈	$6.6B vs $6.4B	+3.0%	$1.7B vs $1.8B	-4.7%

THG 내부자 거래

매수 (A)

Since Aug 6, 2026

매도 (D)

Since Aug 6, 2026

매수/매도 주식 수와 종가 추세(공통 일간 가격 소스)

내부자 거래 스냅샷

날짜	임원	직책	증권	구분	주식 수	가격
Aug 20, 2026	Kerrigan Dennis Francis	officer: Executive Vice President	Common Stock	A	2,104	$118.54
Aug 20, 2026	Kerrigan Dennis Francis	officer: Executive Vice President	Common Stock	D	400	$220.01
Aug 20, 2026	Kerrigan Dennis Francis	officer: Executive Vice President	Common Stock	D	1,704	$222.97
Aug 20, 2026	Kerrigan Dennis Francis	officer: Executive Vice President	Common Stock Option (right to buy)	D	2,104	$118.54
Aug 19, 2026	Kerrigan Dennis Francis	officer: Executive Vice President	Common Stock	A	6,551	$118.54

THG 실적 발표 스크립트

1개 녹취록 세그먼트

Q2 2026

발화자 미상

Operator: Good day, and welcome to the Hanover Insurance Group's Second Quarter Earnings Conference Call. My name is Chris, and I will be your operator for today's call. Please note that today's event is being recorded. I would now like to turn the conference over to Oksana Lukasheva. Please go ahead. Oksana Lukasheva: Thank you, operator. Good morning, and thank you for joining us for our quarterly conference call. We will begin today's call with prepared remarks from Jack Roche, our President and Chief Executive Officer; and Jeff Farber, our Chief Financial Officer. Available to answer your questions after our prepared remarks are Dick Lavey, our Chief Operating Officer and CEO elect; and Bryan Salvatore, President of Specialty Lines. Before I turn the call over to Jack, let me note that our earnings press release financial supplement and a complete slide presentation for today's call are available in the Investors section of our website at hanover.com. After the presentation, we will answer questions in the Q&A session. Our prepared remarks and responses to your questions today, other than statements of historical fact, include forward-looking statements as defined under the Private Securities Litigation Reform Act of 1995. These statements can relate to, among other things, our outlook guidance, profitability, growth, strategy, capital management, the implementation and use of new technologies the impact of recently revised policy terms and conditions and targeted property actions. Additionally, they can relate to factors that could impact the company's performance and/or cause actual results to differ materially from those anticipated, including changes in the demand for our products economic and geopolitical conditions and related effects, including economic and social inflation, tariffs as well as other risks and uncertainties such as severe weather and catastrophes. We caution you with respect to reliance on forward-looking statements, and in this respect, refer you to the forward-looking statements section in our press release, the presentation deck and our filings with the SEC. Today's discussion will also reference certain non-GAAP financial measures such as operating income and accident year loss and combined ratios, excluding catastrophes, among others. A reconciliation of these non-GAAP financial measures to the closest GAAP measure on a historical basis can be found in the press release, the slide presentation or the financial supplement, which are posted on our website. With their comments, I will turn the call over to Jack. John "Jack" C. Roche: Thank you, Oksana, and good morning, everyone. We delivered an outstanding second quarter with results that underscore the resilience of our business and the strength of our execution in a dynamic market environment. Our performance demonstrates that disciplined underwriting and targeted growth can coexist, and this combination is delivering significant returns. We continue to be …

THG 리더십 팀

임원 11명

이름	직함	보수	성별	출생 연도	상태
John Conner Roche	President, Chief Executive Officer & Director	USD 4,482,991	Male	1964	Active
Jeffrey Mark Farber	Executive Vice President & Chief Financial Officer	USD 2,404,371	Male	1965	Active
Richard William Lavey	Executive Vice President & Chief Operating Officer	USD 2,124,330	Male	1968	Active
Bryan James Salvatore	Executive Vice President & President of Specialty	USD 1,970,029	Male	1965	Active
Dennis Francis Kerrigan Jr.	Executive VP, Chief Legal Officer & Corporate Secretary	USD 1,388,334	Male	1965	Active
Jennifer F. Luisa	Senior Vice President & Chief Marketing Officer	—	Female	—	Active
Willard Ty-Lunn Lee	Executive VP and Chief Information & Innovation Officer	—	Male	1970	Active
Toni E. Mitchell	President of Technology & Life Sciences Business	—	Female	—	Active
Oksana Lukasheva	Senior Vice President of Corporate Finance	—	Female	—	Active
Lindsay France Greenfield	Senior Vice President & Chief investment Officer	—	Female	—	Active
Patricia Ann Norton-Gatto	Senior Vice President, Corporate Controller & Principal Accounting Officer	—	Female	1968	Active

THG 최근 뉴스

Zacks Investment Research2026. 8. 28.Neutral

New Strong Buy Stocks for August 28th

THG, LQDT, ALNT, CCS and CRD.B have been added to the Zacks Rank #1 (Strong Buy) List on August 28th, 2026.

Zacks Investment Research2026. 8. 28.Neutral

Best Value Stocks to Buy for August 28th

THG, SNEX and CCS made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 28th, 2026.

Zacks Investment Research2026. 8. 27.Neutral

Hanover Insurance (THG) Down 1.7% Since Last Earnings Report: Can It Rebound?

Hanover Insurance (THG) reported earnings 30 days ago. What's next for the stock?

Zacks Investment Research2026. 8. 25.Neutral

THG Stock Trades at 2.16x Book Value: Is the Valuation Worth It?

The Hanover's pricing discipline, strong Specialty margins and higher investment income support earnings, while AI boosts efficiency.

Defense World2026. 8. 24.Neutral

Great Lakes Advisors LLC Makes New $613,000 Investment in The Hanover Insurance Group, Inc. $THG

Great Lakes Advisors LLC bought a new stake in shares of The Hanover Insurance Group, Inc. (NYSE: THG) during the undefined quarter, according to its most recent Form 13F filing with the SEC. The fund bought 2,861 shares of the insurance provider's stock, valued at approximately $613,000. A number of other hedge funds

THG 직원 수 추이

현재

4,900

변동

+0.00%

최소

4,400

최대

4,900

최근 공시

보고일	직원	양식 유형	공시일	SEC 공시
2025년 12월 31일	4,900	10-K	2026년 2월 20일	보기
2024년 12월 31일	4,900	10-K	2025년 2월 24일	보기
2023년 12월 31일	4,800	10-K	2024년 2월 22일	보기
2022년 12월 31일	4,600	10-K	2023년 2월 23일	보기
2021년 12월 31일	4,400	10-K	2022년 2월 25일	보기

The Hanover Insurance Group, Inc.