NASDAQ · STOCK
Hanover Insurance
$232.58
52W $165.17 – $235.16
63/100
$8.10B
11.0
0.29
Is THG Bullish or Bearish?
Bullish.
Innellis AI committee rates Hanover Insurance (THG) Buy with a composite score of 63/100
, based on 6 analysts with 67% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.84 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 — -8.16 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 news sentiment is positive (+0.47 across 31 articles, 14d). Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- P/E of 11.1 is inexpensive for the broad market — Value
- ROE of 20.9% shows genuine earnings power backing the valuation — Value
- EPS growing 65.1% 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
- RSI at 73 is in overbought territory — Technical
- Weekly RSI at 79 -- overbought on the larger timeframe too — 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 July 31, 2026
Overall Committee Score
63/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 21%
of 141 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 11.1 is inexpensive for the broad market
Growth Analyst
bullish
72
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 65.1% YoY
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− RSI at 73 is in overbought territory
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
73
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.47 across 31 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 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 63.7 to 63.2.
- Conviction changed from high to moderate.
- Committee agreement fell notably from 83% to 67%.
- New bearish signals: 4 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 3 appeared.
- Bearish pressure eased: 5 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: score 68->73 (+4); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: +2 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
75.9
Overbought
MACD Histogram
1.377
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
1.01
Above Upper Band
Price vs Moving Averages
EMA 9
$224.24
Above
EMA 21
$218.12
Above
EMA 50
$208.47
Above
EMA 200
$188.62
Above
Fundamental Analysis
Valuation
96
Growth
77
Profitability
0
Financial Health
100
Cash Flow
37
Valuation
P/E Ratio
11.0×
P/B Ratio
2.25×
PEG Ratio
0.28
Dividend Yield
0.02%
52W High
$235.16
52W Low
$165.17
Quality & Growth
ROE
18.6%
ROA
3.9%
Gross Margin
39.9%
Operating Margin
14.3%
Revenue Growth YoY
—
Debt / Equity
0.23
AI Fundamental Assessment
P/E ratio of 11.0 (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 0.2%; Return on assets of 0.0%; Net margin of 0.1%; Gross margin of 0.4%; Current ratio of 44.24 (healthy short-term liquidity); Debt-to-equity of 0.23; Free cash flow margin of 1.0% (thin cash generation); 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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