THG Relative Valuation
THG's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, THG is overvalued; if below, it's undervalued.
Historical Valuation
Hanover Insurance Group Inc (THG) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 22.12. The fair price of Hanover Insurance Group Inc (THG) is between NaN to NaN according to relative valuation methord.
Relative Value
Fair Zone
NaN-NaN
Current Price：178.93
Fair
10.83
PE
1Y
3Y
5Y
Trailing
Forward
8.34
EV/EBITDA
Hanover Insurance Group Inc. (THG) has a current EV/EBITDA of 8.34. The 5-year average EV/EBITDA is 2.77. The thresholds are as follows: Strongly Undervalued below -3.98, Undervalued between -3.98 and -0.61, Fairly Valued between 6.14 and -0.61, Overvalued between 6.14 and 9.52, and Strongly Overvalued above 9.52. The current Forward EV/EBITDA of 8.34 falls within the Overvalued range.
8.78
EV/EBIT
Hanover Insurance Group Inc. (THG) has a current EV/EBIT of 8.78. The 5-year average EV/EBIT is 11.83. The thresholds are as follows: Strongly Undervalued below -20.04, Undervalued between -20.04 and -4.10, Fairly Valued between 27.77 and -4.10, Overvalued between 27.77 and 43.70, and Strongly Overvalued above 43.70. The current Forward EV/EBIT of 8.78 falls within the Historic Trend Line -Fairly Valued range.
0.97
PS
Hanover Insurance Group Inc. (THG) has a current PS of 0.97. The 5-year average PS is 0.86. The thresholds are as follows: Strongly Undervalued below 0.66, Undervalued between 0.66 and 0.76, Fairly Valued between 0.96 and 0.76, Overvalued between 0.96 and 1.06, and Strongly Overvalued above 1.06. The current Forward PS of 0.97 falls within the Overvalued range.
0.00
P/OCF
Hanover Insurance Group Inc. (THG) has a current P/OCF of 0.00. The 5-year average P/OCF is 2.37. The thresholds are as follows: Strongly Undervalued below -4.15, Undervalued between -4.15 and -0.89, Fairly Valued between 5.63 and -0.89, Overvalued between 5.63 and 8.89, and Strongly Overvalued above 8.89. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/FCF
Hanover Insurance Group Inc. (THG) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Hanover Insurance Group Inc (THG) has a current Price-to-Book (P/B) ratio of 1.88. Compared to its 3-year average P/B ratio of 1.93 , the current P/B ratio is approximately -2.70% higher. Relative to its 5-year average P/B ratio of 1.82, the current P/B ratio is about 3.08% higher. Hanover Insurance Group Inc (THG) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 11.72%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 13.42% , the current FCF yield is about -100.00% lower.
1.86
P/B
Median3y
1.93
Median5y
1.82
15.64
FCF Yield
Median3y
11.72
Median5y
13.42
Competitors Valuation Multiple
The average P/S ratio for THG's competitors is , providing a benchmark for relative valuation. Hanover Insurance Group Inc Corp (THG) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 6.40%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of THG increased by 15.39% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 6.57 to 10.80.
The secondary factor is the Revenue Growth, contributed 6.40%to the performance.
Overall, the performance of THG in the past 1 year is driven by Margin Expansion. Which is more sustainable.
People Also Watch
FAQ
Is Hanover Insurance Group Inc (THG) currently overvalued or undervalued?
What is Hanover Insurance Group Inc (THG) fair value?
How does THG's valuation metrics compare to the industry average?
What is the current P/B ratio for Hanover Insurance Group Inc (THG) as of Dec 05 2025?
What is the current FCF Yield for Hanover Insurance Group Inc (THG) as of Dec 05 2025?
What is the current Forward P/E ratio for Hanover Insurance Group Inc (THG) as of Dec 05 2025?