Company Analysis The Hanover Insurance Group, Inc.
1. Summary
Advantages
- Current debt level 6.17% is below 100% and has decreased over 5 years from 6.27%.
Disadvantages
- Price (131.08 $) is higher than fair price (6.64 $)
- Dividends (2.54%) are below the sector average (2.71%).
- The stock's return over the last year (7.75%) is lower than the sector average (27.69%).
- The company's current efficiency (ROE=1.43%) is lower than the sector average (ROE=10.76%)
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| The Hanover Insurance Group, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | -11.3% | 0% | -0.2% |
| 90 days | -1.7% | -0.4% | 11% |
| 1 year | 7.8% | 27.7% | 31.2% |
THG vs Sector: The Hanover Insurance Group, Inc. has significantly underperformed the "Financials" sector by -19.93% over the past year.
THG vs Market: The Hanover Insurance Group, Inc. has significantly underperformed the market by -23.47% over the past year.
Stable price: THG is not significantly more volatile than the rest of the market on "New York Stock Exchange" over the last 3 months, with typical variations of +/- 5% per week.
Long period: THG with weekly volatility of 0.1491% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (131.08 $) is higher than the fair price (6.64 $).
Price is higher than fair: The current price (131.08 $) is 94.9% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (124.4) is higher than that of the sector as a whole (61.97).
P/E vs Market: The company's P/E (124.4) is higher than that of the market as a whole (47.41).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.78) is higher than that of the sector as a whole (1.3).
P/BV vs Market: The company's P/BV (1.78) is lower than that of the market as a whole (22.54).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (0.7327) is lower than that of the sector as a whole (3.31).
P/S vs Market: The company's P/S indicator (0.7327) is lower than that of the market as a whole (15.1).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (2699.06) is higher than that of the sector as a whole (-89.78).
EV/Ebitda vs Market: The company's EV/Ebitda (2699.06) is higher than that of the market as a whole (22.02).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -18.34% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-18.34%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-61.13%).
5.4. ROE
ROE vs Sector: The company's ROE (1.43%) is lower than that of the sector as a whole (10.76%).
ROE vs Market: The company's ROE (1.43%) is lower than that of the market as a whole (16.9%).
5.5. ROA
ROA vs Sector: The company's ROA (0.2781%) is lower than that of the sector as a whole (3.86%).
ROA vs Market: The company's ROA (0.2781%) is lower than that of the market as a whole (6.57%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.17%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (9.31%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 2.54% is below the average for the sector '2.71%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 2.54% has been steadily paid over the past 7 years, DSI=0.86.
Weak dividend growth: The company's dividend yield 2.54% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (332.01%) are at an uncomfortable level.
8. Insider trades
8.1. Insider trading
Insider Selling More insider purchases by 106.77% over the last 3 months.
8.2. Latest transactions
| Transaction date | Insider | Type | Price | Volume | Quantity |
|---|---|---|---|---|---|
| 29.11.2024 | FARBER JEFFREY M Officer |
Purchase | 165.27 | 1 148 630 | 6 950 |
| 19.11.2024 | Lowsley Denise Officer |
Purchase | 162.32 | 295 909 | 1 823 |
| 18.10.2024 | FARBER JEFFREY M Executive Vice President |
Sale | 155.08 | 1 860 960 | 12 000 |
| 16.10.2024 | FARBER JEFFREY M Executive Vice President |
Sale | 150.88 | 407 225 | 2 699 |
| 15.10.2024 | FARBER JEFFREY M Officer |
Purchase | 150.41 | 721 968 | 4 800 |
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