THG · NYSE · STOCK
Hanover Insurance (THG) Stock Analysis
$222.06
52W $165.50 – $236.07
71/100
$7.84B
10.6
0.29
Is THG Bullish or Bearish?
Bullish.
Innellis AI committee rates Hanover Insurance (THG) Buy with a composite score of 71/100
, based on 5 analysts with 100% agreement.
Last updated August 17, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +4.31 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -15.69 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is vix regime is low -- calm backdrop supports risk-taking. The main limiting factor is sector concentration is already high (hhi 2963.04). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 10.2 is inexpensive for the broad market — Value
- ROE of 21.2% shows genuine earnings power backing the valuation — Value
- EPS growing 37.6% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 17, 2026
Overall Committee Score
71/100
Agreement
100%
Analysts
5
Conviction
Unanimous
Sector Rank
Top 16%
of 209 Financial Services peers
Value Analyst
bullish
70
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.2 is inexpensive for the broad market
Growth Analyst
bullish
72
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 37.6% YoY
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
70
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.38 across 8 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2963.04)
Investment Thesis Evolution
Committee score moved marginally from 70.7 to 70.7.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Portfolio Manager: +1 bearish signal(s).
Comparing 2026-08-16 to 2026-08-17 (1 day apart).
Technical Analysis
RSI (14)
51.3
Neutral
MACD Histogram
-1.226
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.53
Inside Bands
Price vs Moving Averages
EMA 9
$225.08
Below
EMA 21
$222.98
Below
EMA 50
$214.40
Above
EMA 200
$192.25
Above
Fundamental Analysis
Valuation
97
Growth
77
Profitability
59
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
10.6×
P/B Ratio
2.18×
PEG Ratio
0.27
Dividend Yield
1.66%
52W High
$236.07
52W Low
$165.50
Quality & Growth
ROE
1855.0%
ROA
390.9%
Gross Margin
3989.4%
Operating Margin
1430.4%
Revenue Growth YoY
—
Debt / Equity
0.23
AI Fundamental Assessment
P/E ratio of 10.6 (inexpensive relative to a 15-40x range); Price-to-book of 2.2x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 18.5%; Return on assets of 3.9%; Net margin of 11.2%; Gross margin of 39.9%; Current ratio of 122.53 (healthy short-term liquidity); Debt-to-equity of 0.23; Free cash flow per share is positive (35.30); Most recent quarter beat estimates by 33.3%; 5 consecutive earnings beats; EPS growth accelerating (-9.3% -> +1.1% QoQ); Analyst estimates falling over recent quarters
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