HANOVER INSURANCE GROUP, INC. (THG)
Fire, Marine & Casualty Insurance · Financial Services · $7.2B
Intrinsic Value (Consensus)
$243.20
Current Price
$199.20
Margin of Safety
+22.1%
22.1% Below Intrinsic Value
Value: $243
Price: $199
Valuation Model Estimates
Current Price: $199.20
DCF (Discounted Cash Flow)
$1503.71
Graham Number
$199.95
Earnings Power Value
$176.31
Relative Value (P/E)
$363.20
Dividend Discount Model
$233.33
Consensus Value
$243.20
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
81
Profitability
22/25
Strength
24/25
Valuation
19/25
Growth
16/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (16.4%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $18.16
- EPS (Forward)
- $21.79
- Book Value
- $97.85
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 18.5%
- Debt/Equity
- 24%
- Revenue Growth
- 5.7%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.2%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance