The Hanover Insurance Group Company Profile (NYSE:THG)

About The Hanover Insurance Group

The Hanover Insurance Group, Inc. is a holding company. The Company's primary business operations are property and casualty insurance products and services. The Company operates through four segments: Commercial Lines, Personal Lines, Chaucer and Other. The Company's Commercial Lines product suite provides agents and customers with products designed for small, middle and specialized markets. The Company's Personal automobile coverage insures individuals against losses incurred from personal bodily injury, bodily injury to third parties, property damage to an insured's vehicle, and property damage to other vehicles and other property. The Company's Chaucer segment consists of international business written through Lloyd's, and includes Marine and aviation includes worldwide direct, facultative and treaty business. The Company's Other segment consists of Opus Investment Management, Inc., which provides investment advisory services.

Industry, Sector and Symbol:

Sector: Finance
Industry: Property & Casualty Insurance
Sub-Industry: Property & Casualty Insurance
Exchange: NYSE
Symbol: THG
CUSIP: 41086710

Key Metrics:

Previous Close: $76.16
50 Day Moving Average: $77.01
200 Day Moving Average: $83.27
52-Week Range: $74.06 - $91.30
Trailing P/E Ratio: 14.19
Foreward P/E Ratio: 11.63
P/E Growth: -11.67
Market Cap: $3.26B
Outstanding Shares: 42,743,000
Beta: 0.91

Profitability:

Net Margins: 4.83%
Return on Equity: 9.51%
Return on Assets: 1.98%

Debt:

Debt-to-Equity Ratio: 0.27%
Current Ratio: 0.48%
Quick Ratio: 0.48%

Additional Links:

Companies Related to The Hanover Insurance Group:

Consensus Ratings for The Hanover Insurance Group (NYSE:THG) (?)

Ratings Breakdown:	1 Hold Rating, 2 Buy Ratings
Consensus Rating:	Buy (Score: 2.67)
Consensus Price Target:	$92.00 (20.80% upside)

Analysts' Ratings History for The Hanover Insurance Group (NYSE:THG)

Show:

Date	Firm	Action	Rating	Price Target
9/12/2016	JMP Securities	Reiterated Rating	Outperform	$95.00
8/3/2016	BMO Capital Markets	Reiterated Rating	Outperform	$99.00 -> $94.00
11/12/2015	Piper Jaffray Cos.	Downgrade	Overweight -> Neutral	$91.00 -> $87.00
12/10/2014	Keefe, Bruyette & Woods	Downgrade	Outperform -> Market Perform

(Data available from 9/29/2014 forward)

Earnings History for The Hanover Insurance Group (NYSE:THG)

Date	Quarter	Consensus Estimate	Actual EPS	Revenue Estimate	Actual Revenue	Release Link	Conference Call
7/28/2016
7/28/2016	Q216	$1.22	$1.24	$1.23 billion	$1.22 billion	View	Listen
5/4/2016	Q116	$1.55	$1.64	$1.22 billion	$1.14 billion	View	N/A
2/4/2016	Q415	$1.60	$1.82	$1.08 billion	$1.05 billion	View	N/A
10/28/2015	Q315	$1.44	$1.61	$1.21 billion	$1.23 billion	View	Listen
7/29/2015	Q2	$1.41	$1.56	$1.31 billion	$1.30 billion	View	Listen
4/30/2015	Q115	$1.00	$1.27	$4.71 billion	$1.22 billion	View	N/A
2/4/2015	Q414	$1.46	$2.00	$1.08 billion	$1.29 billion	View	N/A
10/29/2014	Q314	$0.97	$1.22	$1.22 billion	$1.27 billion	View	N/A
7/31/2014	Q214	$1.24	$1.30	$1.29 billion	$1.27 billion	View	N/A
4/29/2014	Q114	$0.96	$1.05	$1.13 billion	$1.17 billion	View	Listen
2/6/2014	Q413	$1.11	$1.33	$1.09 billion	$1.05 billion	View	Listen
10/31/2013	Q313	$0.80	$1.36	$1.18 billion	$1.18 billion	View	Listen
7/31/2013	Q2 2013	$0.71	$1.05	$1.29 billion	$1.24 billion	View	Listen
4/29/2013	Q1 2013	$1.05	$1.32	$1.08 billion	$1.08 billion	View	Listen
2/6/2013	Q4 2012	($1.80)	($1.65)	$1.03 billion	$1.03 billion	View	Listen

(Data available from 1/1/2011 forward)

Earnings Estimates for The Hanover Insurance Group (NYSE:THG)

Current Year EPS Consensus Estimate: $6.05 EPS
Next Year EPS Consensus Estimate: $6.55 EPS

Quarter	Number of Estimates	Low Estimate	High Estimate	Average Estimate
Q1 2016	1	$1.59	$1.59	$1.59
Q2 2016	1	$1.22	$1.22	$1.22
Q3 2016	1	$1.40	$1.40	$1.40
Q4 2016	1	$1.77	$1.77	$1.77
Q1 2017	1	$1.73	$1.73	$1.73
Q2 2017	1	$1.43	$1.43	$1.43
Q3 2017	1	$1.50	$1.50	$1.50
Q4 2017	1	$1.89	$1.89	$1.89

(Data provided by Zacks Investment Research)

Current Dividend Information for The Hanover Insurance Group (NYSE:THG)

Annual Dividend:	$1.84
Dividend Yield:	2.42%
Dividend Growth:	11.20% (3 Year Average)
Payout Ratio:	34.39% (Based on Trailing 12 Months of Earnings) 30.41% (Based on Current Year Consensus EPS Estimate) 28.09% (Based on Next Year Consensus EPS Estimate)
Track Record:	4 Years of Consecutive Dividend Growth

Dividend History for The Hanover Insurance Group (NYSE:THG)

Announced	Period	Amount	Yield	Ex-Dividend Date	Record Date	Payable Date
8/23/2016	quarterly	$0.46		9/14/2016	9/16/2016	9/30/2016
5/24/2016	quarterly	$0.46		6/8/2016	6/10/2016	6/24/2016
2/23/2016	quarterly	$0.46		3/9/2016	3/11/2016	3/25/2016
12/7/2015	quarterly	$0.46		12/16/2015	12/18/2015	12/31/2015
8/25/2015		$0.41		9/9/2015	9/11/2015	9/25/2015
5/19/2015	quarterly	$0.41	2.29%	6/10/2015	6/12/2015	6/26/2015
2/27/2015	quarterly	$0.41	2.33%	3/11/2015	3/13/2015	3/27/2015
12/5/2014	quarterly	$0.41	2.24%	12/11/2014	12/15/2014	12/26/2014
8/19/2014	quarterly	$0.37	2.36%	9/10/2014	9/12/2014	9/26/2014
5/20/2014	quarterly	$0.37	2.46%	6/11/2014	6/13/2014	6/27/2014
2/19/2014	quarterly	$0.37	2.54%	3/12/2014	3/14/2014	3/28/2014
12/6/2013	quarterly	$0.37	2.44%	12/12/2013	12/16/2013	12/27/2013
8/20/2013	quarterly	$0.33	2.43%	9/11/2013	9/13/2013	9/27/2013
5/14/2013	quarterly	$0.33	2.57%	6/12/2013	6/14/2013	6/28/2013
2/26/2013	quarterly	$0.33	3.09%	3/13/2013	3/15/2013	3/29/2013
12/9/2012	quarterly	$0.33	3.46%	12/13/2012	12/17/2012	12/28/2012

(Data available from 1/1/2013 forward)

Insider Trading History for The Hanover Insurance Group (NYSE:THG)

Insider Ownership Percentage: 2.49%
Institutional Ownership Percentage: 82.93%

Transaction Date	Insider Name	Title	Buy/Sell	Number of Shares	Average Share Price	Total Transaction
8/1/2016	Christine Bilotti-Peterson	Insider	Sell	3,600	$82.31	$296,316.00
5/26/2016	J Kendall Huber	EVP	Sell	35,750	$86.35	$3,087,012.50
5/20/2016	Richard W Lavey	EVP	Sell	2,500	$86.65	$216,625.00
5/18/2016	Frederick H Eppinger	CEO	Sell	85,000	$86.06	$7,315,100.00
2/29/2016	Warren E Barnes	VP	Sell	2,018	$84.01	$169,532.18
2/19/2016	Warren E Barnes	VP	Sell	800	$83.51	$66,808.00
2/17/2016	Mark Joseph Welzenbach	SVP	Sell	6,250	$82.11	$513,187.50
2/10/2016	Robert A Stuchbery	Insider	Sell	11,500	$81.99	$942,885.00
2/8/2016	Robert A Stuchbery	Insider	Sell	6,000	$81.08	$486,480.00
1/22/2016	Warren E Barnes	VP	Sell	653	$78.18	$51,051.54
1/20/2016	Warren E. Barnes	VP	Sell	1,500	$77.17	$115,755.00
11/23/2015	John C. Roche	EVP	Sell	4,513	$84.70	$382,251.10
11/18/2015	Frederick H Eppinger	CEO	Sell	100,000	$84.50	$8,450,000.00
5/6/2015	Mark Joseph Welzenbach	SVP	Sell	8,606	$70.09	$603,194.54
5/4/2015	Robert A Stuchbery	CEO	Sell	14,314	$71.83	$1,028,174.62
2/10/2015	Andrew S Robinson	EVP	Sell	21,675	$71.56	$1,551,063.00
2/6/2015	Mark Joseph Welzenbach	SVP	Sell	11,250	$72.04	$810,450.00
11/17/2014	Daniel T Henry	Director	Buy	5,000	$69.10	$345,500.00
11/7/2014	Robert J Murray	Director	Sell	2,300	$68.98	$158,654.00
11/5/2014	J Kendall Huber	EVP	Sell	6,476	$69.17	$447,944.92
11/4/2014	Gregory D Tranter	EVP	Sell	4,922	$68.24	$335,877.28
10/31/2014	J Kendall Huber	EVP	Sell	35,000	$67.00	$2,345,000.00
10/28/2014	John C Roche	EVP	Sell	9,126	$65.00	$593,190.00
8/8/2014	Andrew S Robinson	EVP	Sell	13,700	$60.51	$828,987.00
8/5/2014	Andrew S Robinson	EVP	Sell	10,981	$60.50	$664,350.50
6/13/2014	Mark R Desrochers	SVP	Sell	7,500	$63.00	$472,500.00
5/30/2014	Richard W Lavey	SVP	Sell	6,880	$60.36	$415,276.80
5/15/2014	Gregory Tranter	EVP	Sell	10,500	$59.29	$622,545.00
5/5/2014	Gregory Tranter	EVP	Sell	18,750	$58.96	$1,105,500.00
5/2/2014	Mark Joseph Welzenbach	SVP	Sell	12,500	$59.72	$746,500.00
4/2/2014	John Roche	EVP	Sell	6,250	$62.00	$387,500.00
3/17/2014	John Roche	EVP	Sell	4,834	$59.99	$289,991.66
3/3/2014	Gregory Tranter	EVP	Sell	20,000	$58.06	$1,161,200.00
2/18/2014	Mark Desrochers	SVP	Sell	5,000	$59.04	$295,200.00
2/13/2014	Andrew Robinson	EVP	Sell	25,000	$57.50	$1,437,500.00
11/20/2013	J Kendall Huber	EVP	Sell	12,500	$59.45	$743,125.00
11/14/2013	Richard Lavey	SVP	Sell	7,500	$60.77	$455,775.00
11/5/2013	Gregory Tranter	EVP	Sell	23,850	$59.39	$1,416,451.50
8/9/2013	J Kendall Huber	EVP	Sell	25,050	$55.40	$1,387,770.00
8/7/2013	Mark Joseph Welzenbach	SVP	Sell	7,915	$54.73	$433,187.95
8/5/2013	Gregory Tranter	EVP	Sell	46,000	$55.65	$2,559,900.00
5/10/2013	Andrew S Robinson	EVP	Sell	3,889	$50.48	$196,316.72
5/1/2013	Gregory D Tranter	EVP	Sell	40,000	$49.51	$1,980,400.00

(Data available from 1/1/2013 forward)

Latest Headlines for The Hanover Insurance Group (NYSE:THG)

Date	Headline
	The Hanover Insurance Group, Inc. To Issue Third Quarter 2016 Financial Results On November 3 (NYSE:THG) www.publicnow.com - September 28 at 7:23 PM
	Hanover Insurance : Appoints Jeffrey M. Farber Executive Vice President and Chief Financial Officer (NYSE:THG) www.4-traders.com - September 23 at 9:46 AM
	Hanover Insurance Group (THG) Names Jeffrey M. Farber as CFO (NYSE:THG) www.streetinsider.com - September 23 at 9:46 AM
	ETF’s with exposure to The Hanover Insurance Group, Inc. : September 16, 2016 (NYSE:THG) www.capitalcube.com - September 16 at 7:22 PM
	The Hanover Insurance Group, Inc. (THG) Ex-Dividend Date Scheduled for ... (NYSE:THG) www.nasdaq.com - September 14 at 7:49 PM
	The Sell-side Consensus is in on The Hanover Insurance Group, Inc. (NYSE:THG); Earnings & Target Updates (NYSE:THG) www.nationaldailypress.com - September 9 at 9:59 AM
	Hanover Insurance Group Becomes Oversold (NYSE:THG) www.forbes.com - September 8 at 7:18 PM
	Shares now up at $78.20 (THG) The Hanover Insurance Group, Inc…. (NYSE:THG) www.fidaily.com - August 23 at 12:16 PM
	Hanover Insurance : Large Inflow of Money Detected in The Hanover Insurance Group (NYSE:THG) www.4-traders.com - August 19 at 10:42 AM
	The Hanover Launches Streamlined Payment Solution for Workers' Compensation Policies (NYSE:THG) finance.yahoo.com - August 18 at 7:59 PM
	Hanover Insurance Group (THG): Moving Average Crossover Alert (NYSE:THG) finance.yahoo.com - August 17 at 8:06 PM
	Weathering a Hurricane: Six Tips to Help Protect Your Family and Home (NYSE:THG) finance.yahoo.com - August 16 at 7:53 PM
	The Hanover Insurance Group, Inc. :THG-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 (NYSE:THG) www.capitalcube.com - August 3 at 8:09 PM
	Edited Transcript of THG earnings conference call or presentation 29-Jul-16 2:00pm GMT (NYSE:THG) finance.yahoo.com - July 29 at 4:07 PM
	Hanover Insurance : posts 2Q profit (NYSE:THG) www.4-traders.com - July 29 at 10:52 AM
	Hanover Insurance Group Inc Earnings Call scheduled for 10:00 am ET today (NYSE:THG) biz.yahoo.com - July 29 at 10:00 AM
	HANOVER INSURANCE GROUP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements (NYSE:THG) biz.yahoo.com - July 29 at 6:07 AM
	Hanover Insurance Group Inc Earnings Call (Q2 2016) (NYSE:THG) biz.yahoo.com - July 28 at 8:10 PM
	The Hanover Insurance Group Profit Falls 23% In Q2 (NYSE:THG) www.nasdaq.com - July 28 at 8:10 PM
	Hanover Insurance posts 2Q profit (NYSE:THG) finance.yahoo.com - July 28 at 7:01 PM
	The Hanover Reports Second Quarter Net Income of $0.05 per Diluted Share; Second Quarter Operating Income(1) of $1.24 per Diluted Share; Combined Ratio of 97.3%, including Catastrophe Impact of 4.5 points (NYSE:THG) finance.yahoo.com - July 28 at 4:17 PM
	Q2 2016 Hanover Insurance Group Inc Earnings Release - After Market Close (NYSE:THG) biz.yahoo.com - July 28 at 7:07 AM
	ETF’s with exposure to The Hanover Insurance Group, Inc. : July 26, 2016 (NYSE:THG) www.capitalcube.com - July 26 at 1:02 PM
	HANOVER INSURANCE GROUP, INC. : Other Events, Financial Statements and Exhibits (form 8-K) (NYSE:THG) www.4-traders.com - July 14 at 8:03 PM
	HANOVER INSURANCE GROUP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits (NYSE:THG) biz.yahoo.com - July 14 at 12:14 PM
	The Hanover Estimates the Impact of Global Catastrophe, Large Loss and Other Activity on its Chaucer Segment (NYSE:THG) finance.yahoo.com - July 14 at 8:00 AM
	The Hanover Insurance Group, Inc. To Issue Second Quarter 2016 Financial Results On July 28 (NYSE:THG) www.publicnow.com - June 30 at 11:01 AM
	Hanover Insurance Group Inc (THG) is Trading Lower on Unusual Volume for June 22 (NYSE:THG) www.equities.com - June 24 at 10:20 AM
	Hanover Insurance Group Foundation Awards 52 Scholarships to Students (NYSE:THG) www.golocalworcester.com - June 11 at 7:59 PM
	Fitch Upgrades The Hanover Insurance Group's Ratings; Outlook Stable (NYSE:THG) www.reuters.com - June 2 at 11:00 AM
	Fitch Upgrades Hanover Insurance Group (THG) to 'A'; Outlook is Stable (NYSE:THG) www.streetinsider.com - June 2 at 11:00 AM
	Performance at a Glance on The Hanover Insurance Group, Inc. (NYSE:THG) - HNN (NYSE:THG) hintsnewsnetwork.com - May 29 at 12:06 PM
	Huber J Kendall, Executive Vice President of Hanover Insurance Group Inc (NYSE:THG) sells 15,356 shares (NYSE:THG) empowerednews.net - May 28 at 11:15 AM
	HANOVER INSURANCE GROUP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Submission of Matters to (NYSE:THG) biz.yahoo.com - May 24 at 4:40 PM
	The Hanover Insurance Group, Inc. Declares Quarterly Dividend Of $0.46 Per Common Share - PR Newswire (press release) (NYSE:THG) www.prnewswire.com - May 24 at 2:14 PM
	The Hanover Insurance Group, Inc. Declares Quarterly Dividend Of $0.46 Per Common Share (NYSE:THG) www.publicnow.com - May 24 at 11:46 AM
	A.M. Best Withdraws Ratings of Professionals Direct Insurance Company (NYSE:THG) finance.yahoo.com - May 23 at 4:33 PM
	Buy Calls Count For The Hanover Insurance Group, Inc. (NYSE:THG) At 0 - RealistInvestor.com (NYSE:THG) www.realistinvestor.com - May 21 at 1:34 PM
	The Hanover Insurance Group, Inc. (NYSE:THG) One-Year Price Projection At $94.5 - RealistInvestor.com (NYSE:THG) www.realistinvestor.com - May 21 at 1:34 PM
	A.M. Best Affirms Ratings of The Hanover Insurance Group, Inc. and Its Subsidiaries - Business Wire (press release) (NYSE:THG) www.businesswire.com - May 21 at 1:34 PM
	Hanover taps Aetna executive as new CEO (NYSE:THG) www.bizjournals.com - May 20 at 4:00 PM
	Eppinger Frederick H, President & CEO of Hanover Insurance Group Inc (NYSE:THG) sells 85,000 shares (NYSE:THG) empowerednews.net - May 20 at 2:01 PM
	A.M. Best Affirms Ratings of The Hanover Insurance Group, Inc. and Its Subsidiaries (NYSE:THG) finance.yahoo.com - May 19 at 5:13 PM
	Share Recap and Earnings Focus on The Hanover Insurance Group, Inc. (NYSE:THG) - Wall Street Hints and News (NYSE:THG) hintsnewsnetwork.com - May 19 at 1:37 PM
	ETF’s with exposure to The Hanover Insurance Group, Inc. : May 19, 2016 (NYSE:THG) www.capitalcube.com - May 18 at 10:55 PM
	Hanover Insurance Group (THG) Appoints New CEO - StreetInsider.com (NYSE:THG) www.streetinsider.com - May 17 at 2:34 PM
	Exclusive: Hanover Insurance taps Zubretsky as new CEO - sources - Reuters (NYSE:THG) www.reuters.com - May 17 at 2:34 PM
	Hanover Insurance : Names Joseph M. Zubretsky President and Chief Executive Officer (NYSE:THG) www.4-traders.com - May 17 at 2:34 PM
	HANOVER INSURANCE GROUP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements and (NYSE:THG) biz.yahoo.com - May 16 at 5:36 PM
	Exclusive - Hanover Insurance taps Zubretsky as new CEO: sources (NYSE:THG) sg.finance.yahoo.com - May 15 at 10:18 PM