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THG

Hanover Insurance GroupB
NYSE / Insurance
Last Price
At close
2026-07-21
View Chart
Current thesis
Improving rate adequacy, controlled loss picks and stable investment income drive durable underwriting margins and above-market EPS growth, supporting a move toward the bull target within 12–24 months.
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-28 · AMC.
What can break
Investment income volatility from rate or credit shocks
Momentum
63
Value
58
Sentiment
47
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $195.00 · Bull $220.00 · Bear $155.00
Earnings
2026-07-28 · AMC
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2025-09-28 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $216.25
Why
Momentum63 · Δ7d -14.3
Value58 · Δ7d 0.0
Sentiment47 · Δ7d -1.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
63
26% active weight
Current posture
7d trendSoftening
Δ7d
-14.3
Δ21d
-7.5
Value
58
39% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.5
Sentiment
47
34% active weight
Current posture
7d trendSoftening
Δ7d
-1.3
Δ21d
-3.5
Why this grade

Composite grade B. Momentum 63.5 / Value 57.7 / Sentiment 47.5

Fundamentals (TTM)
As of 2026-07-22
Market Cap
$7.45B
Beta
0.33
Shares Out
34.99M
P/E (TTM)
10.4
P/S (TTM)
0.99
P/FCF (TTM)
9.56
Rev YoY
+6.1%
EPS YoY
+48.6%
Gross Margin
-
Op Margin
+12.7%
Net Debt
$95.6M
Current Ratio
0.35
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology