The Hanover Insurance Net Income
| THG Stock | USD 180.63 1.47 0.82% |
As of the 1st of March, Hanover Insurance retains the insignificant Risk Adjusted Performance, market risk adjusted performance of (0.26), and Standard Deviation of 1.13. Concerning fundamental indicators, the technical analysis model lets you check existing technical drivers of The Hanover Insurance, as well as the relationship between them. Please check out Hanover Insurance coefficient of variation, treynor ratio, as well as the relationship between the Treynor Ratio and skewness to decide if Hanover Insurance is priced fairly, providing market reflects its last-minute price of 180.63 per share. Given that The Hanover Insurance has information ratio of (0.09), we strongly advise you to confirm Hanover Insurance's regular market performance to make sure the company can sustain itself at a future point.
Hanover Insurance Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 0.9694 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 662.5 M | 695.6 M | |
| Net Income Applicable To Common Shares | 662.5 M | 695.6 M | |
| Net Income From Continuing Ops | 489.1 M | 278.4 M | |
| Net Income Per Share | 18.51 | 19.43 | |
| Net Income Per E B T | 0.79 | 0.47 |
Hanover | Net Income | Build AI portfolio with Hanover Stock |
The Net Income trend for The Hanover Insurance offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Hanover Insurance is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Hanover Insurance's Net Income Growth Pattern
Below is the plot of the Net Income of The Hanover Insurance over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Hanover Insurance financial statement analysis. It represents the amount of money remaining after all of The Hanover Insurance operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Hanover Insurance's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Hanover Insurance's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 662.5 M | 10 Years Trend |
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Net Income |
| Timeline |
Hanover Net Income Regression Statistics
| Arithmetic Mean | 292,077,941 | |
| Geometric Mean | 212,831,023 | |
| Coefficient Of Variation | 68.65 | |
| Mean Deviation | 161,953,114 | |
| Median | 282,000,000 | |
| Standard Deviation | 200,511,491 | |
| Sample Variance | 40204.9T | |
| Range | 660.3M | |
| R-Value | 0.63 | |
| Mean Square Error | 25642.7T | |
| R-Squared | 0.40 | |
| Significance | 0.01 | |
| Slope | 25,177,696 | |
| Total Sum of Squares | 643277.7T |
Hanover Net Income History
Other Fundumenentals of Hanover Insurance
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Hanover Insurance Net Income component correlations
Hanover Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Hanover Insurance is extremely important. It helps to project a fair market value of Hanover Stock properly, considering its historical fundamentals such as Net Income. Since Hanover Insurance's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Hanover Insurance's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Hanover Insurance's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Property & Casualty Insurance industry sustain growth momentum? Does Hanover have expansion opportunities? Factors like these will boost the valuation of Hanover Insurance. If investors know Hanover will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Hanover Insurance demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.199 | Dividend Share 3.65 | Earnings Share 18.1 | Revenue Per Share | Quarterly Revenue Growth 0.055 |
The market value of Hanover Insurance is measured differently than its book value, which is the value of Hanover that is recorded on the company's balance sheet. Investors also form their own opinion of Hanover Insurance's value that differs from its market value or its book value, called intrinsic value, which is Hanover Insurance's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because Hanover Insurance's market value can be influenced by many factors that don't directly affect Hanover Insurance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Hanover Insurance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Hanover Insurance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, Hanover Insurance's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
Hanover Insurance 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Hanover Insurance's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Hanover Insurance.
| 12/01/2025 |
| 03/01/2026 |
If you would invest 0.00 in Hanover Insurance on December 1, 2025 and sell it all today you would earn a total of 0.00 from holding The Hanover Insurance or generate 0.0% return on investment in Hanover Insurance over 90 days. Hanover Insurance is related to or competes with Progressive Corp, Chubb, W R, White Mountains, and W R. The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products a... More
Hanover Insurance Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Hanover Insurance's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess The Hanover Insurance upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.09) | |||
| Maximum Drawdown | 5.99 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 1.73 |
Hanover Insurance Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Hanover Insurance's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Hanover Insurance's standard deviation. In reality, there are many statistical measures that can use Hanover Insurance historical prices to predict the future Hanover Insurance's volatility.| Risk Adjusted Performance | (0) | |||
| Jensen Alpha | (0.02) | |||
| Total Risk Alpha | (0.14) | |||
| Treynor Ratio | (0.27) |
Hanover Insurance March 1, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0) | |||
| Market Risk Adjusted Performance | (0.26) | |||
| Mean Deviation | 0.8609 | |||
| Coefficient Of Variation | (13,592) | |||
| Standard Deviation | 1.13 | |||
| Variance | 1.28 | |||
| Information Ratio | (0.09) | |||
| Jensen Alpha | (0.02) | |||
| Total Risk Alpha | (0.14) | |||
| Treynor Ratio | (0.27) | |||
| Maximum Drawdown | 5.99 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 1.73 | |||
| Skewness | (0.71) | |||
| Kurtosis | 1.09 |
Hanover Insurance Backtested Returns
Hanover Insurance holds Efficiency (Sharpe) Ratio of -0.027, which attests that the entity had a -0.027 % return per unit of risk over the last 3 months. Hanover Insurance exposes twenty-four different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please check out Hanover Insurance's Standard Deviation of 1.13, insignificant risk adjusted performance, and Market Risk Adjusted Performance of (0.26) to validate the risk estimate we provide. The company retains a Market Volatility (i.e., Beta) of 0.067, which attests to not very significant fluctuations relative to the market. As returns on the market increase, Hanover Insurance's returns are expected to increase less than the market. However, during the bear market, the loss of holding Hanover Insurance is expected to be smaller as well. At this point, Hanover Insurance has a negative expected return of -0.0314%. Please make sure to check out Hanover Insurance's skewness, and the relationship between the treynor ratio and rate of daily change , to decide if Hanover Insurance performance from the past will be repeated at some point in the near future.
Auto-correlation | -0.44 |
Modest reverse predictability
The Hanover Insurance has modest reverse predictability. Overlapping area represents the amount of predictability between Hanover Insurance time series from 1st of December 2025 to 15th of January 2026 and 15th of January 2026 to 1st of March 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Hanover Insurance price movement. The serial correlation of -0.44 indicates that just about 44.0% of current Hanover Insurance price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.44 | |
| Spearman Rank Test | -0.19 | |
| Residual Average | 0.0 | |
| Price Variance | 8.63 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Hanover Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, The Hanover Insurance reported net income of 662.5 M. This is 48.14% lower than that of the Insurance sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 16.03% lower than that of the firm.
Hanover Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Hanover Insurance's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Hanover Insurance could also be used in its relative valuation, which is a method of valuing Hanover Insurance by comparing valuation metrics of similar companies.Hanover Insurance is currently under evaluation in net income category among its peers.
Hanover Insurance ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Hanover Insurance's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Hanover Insurance's managers, analysts, and investors.Environmental | Governance | Social |
Hanover Insurance Institutional Holders
Institutional Holdings refers to the ownership stake in Hanover Insurance that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Hanover Insurance's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Hanover Insurance's value.| Shares | American Century Companies Inc | 2025-06-30 | 657.5 K | Victory Capital Management Inc. | 2025-06-30 | 600.3 K | Adage Capital Partners Gp Llc | 2025-06-30 | 558 K | Aqr Capital Management Llc | 2025-06-30 | 553.8 K | Ameriprise Financial Inc | 2025-06-30 | 551 K | First Trust Advisors L.p. | 2025-06-30 | 497.4 K | London Company Of Virginia | 2025-06-30 | 466.7 K | Vaughan Nelson Scarbrgh & Mccullough Lp | 2025-06-30 | 464.7 K | Macquarie Group Ltd | 2025-06-30 | 464.4 K | Vanguard Group Inc | 2025-06-30 | 3.7 M | Blackrock Inc | 2025-06-30 | 3.6 M |
Hanover Fundamentals
| Return On Equity | 0.21 | ||||
| Return On Asset | 0.0344 | ||||
| Profit Margin | 0.10 % | ||||
| Operating Margin | 0.16 % | ||||
| Current Valuation | 6.39 B | ||||
| Shares Outstanding | 35.15 M | ||||
| Shares Owned By Insiders | 0.96 % | ||||
| Shares Owned By Institutions | 91.35 % | ||||
| Number Of Shares Shorted | 823.84 K | ||||
| Price To Earning | 18.15 X | ||||
| Price To Book | 1.76 X | ||||
| Price To Sales | 0.96 X | ||||
| Revenue | 6.6 B | ||||
| Gross Profit | 1.58 B | ||||
| EBITDA | 887 M | ||||
| Net Income | 662.5 M | ||||
| Cash And Equivalents | 1.12 B | ||||
| Cash Per Share | 4.63 X | ||||
| Total Debt | 1.22 B | ||||
| Debt To Equity | 0.34 % | ||||
| Current Ratio | 0.36 X | ||||
| Book Value Per Share | 100.89 X | ||||
| Cash Flow From Operations | 1.18 B | ||||
| Short Ratio | 1.82 X | ||||
| Earnings Per Share | 18.10 X | ||||
| Price To Earnings To Growth | (23.25) X | ||||
| Target Price | 199.75 | ||||
| Number Of Employees | 4.9 K | ||||
| Beta | 0.32 | ||||
| Market Capitalization | 6.35 B | ||||
| Total Asset | 15.1 B | ||||
| Retained Earnings | 3.74 B | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 2.05 % | ||||
| Net Asset | 15.1 B | ||||
| Last Dividend Paid | 3.65 |
About Hanover Insurance Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze The Hanover Insurance's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Hanover Insurance using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of The Hanover Insurance based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Can Property & Casualty Insurance industry sustain growth momentum? Does Hanover have expansion opportunities? Factors like these will boost the valuation of Hanover Insurance. If investors know Hanover will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Hanover Insurance demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.199 | Dividend Share 3.65 | Earnings Share 18.1 | Revenue Per Share | Quarterly Revenue Growth 0.055 |
The market value of Hanover Insurance is measured differently than its book value, which is the value of Hanover that is recorded on the company's balance sheet. Investors also form their own opinion of Hanover Insurance's value that differs from its market value or its book value, called intrinsic value, which is Hanover Insurance's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because Hanover Insurance's market value can be influenced by many factors that don't directly affect Hanover Insurance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Hanover Insurance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Hanover Insurance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, Hanover Insurance's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.