THG

Hanover Insurance GroupB

NYSE / Insurance

At close

2026-07-20

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

Value remains the lead driver in the composite, 7D delta +0.4.

What can break

Investment income volatility from rate or credit shocks

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $195.00 · Bull $220.00 · Bear $155.00

Data freshness

Prices

As of 2026-07-20

Fundamentals

As of 2026-07-20 • Vendor: Data Vendor v1

Scores

As of 2026-07-20 • Model: HYBRID_IC_RP

AI Memo

As of 2025-09-28 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-20

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $216.25

Why

Momentum64 · Δ7d -5.4

Value58 · Δ7d +0.4

Sentiment46 · Δ7d -2.7

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-5.4

Δ21d

-5.8

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.4

Δ21d

+0.7

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-2.7

Δ21d

-1.9

Why this grade

Composite grade B. Momentum 64.1 / Value 57.9 / Sentiment 45.6

Fundamentals (TTM)

As of 2026-07-20

Market Cap

$7.5B

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 2026-07-20 • Updated nightlySource: Internal modelMethodology