THG
The Hanover Insurance Group·NYSE
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5.80 / 10
Netural
THG's fundamentals show a mixed health score of 5.8/10. Strengths include an impressive current assets turnover ratio of 1.776 (group 1) and fixed assets turnover ratio of 7993.844 (group 1), indicating efficient asset utilization. Profitability is solid with a 79.589% YoY profit growth (group 3). However, weaknesses emerge in the Asset-MV (-0.507, group 2) and PB-ROE (-0.653, group 2) factors, suggesting valuation concerns. Cash-UP (0.814, group 4) offers a positive liquidity cushion. The current ratio of 9.936 (group 1) further supports liquidity. Net profit attributable to shareholders at 100% (group 2) confirms full earnings retention. Overall, THG's fundamentals are balanced but not outstanding.
Analysis Checks(7/10)
Revenue-MV
Value0.86
Score1/3
Weight5.78%
1M Return1.86%
Value0.86
Score1/3
Weight5.78%
1M Return1.86%
PB-ROE
Value-0.65
Score1/3
Weight4.20%
1M Return1.44%
Value-0.65
Score1/3
Weight4.20%
1M Return1.44%
Current assets turnover ratio
Value1.78
Score2/3
Weight8.75%
1M Return2.86%
Value1.78
Score2/3
Weight8.75%
1M Return2.86%
Fixed assets turnover ratio
Value7993.84
Score3/3
Weight8.63%
1M Return2.86%
Value7993.84
Score3/3
Weight8.63%
1M Return2.86%
Asset-MV
Value-0.51
Score0/3
Weight1.03%
1M Return0.42%
Value-0.51
Score0/3
Weight1.03%
1M Return0.42%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score3/3
Weight9.64%
1M Return3.19%
Value100.00
Score3/3
Weight9.64%
1M Return3.19%
Total profit (YoY growth rate %)
Value79.59
Score2/3
Weight12.66%
1M Return4.13%
Value79.59
Score2/3
Weight12.66%
1M Return4.13%
Cash-UP
Value0.81
Score3/3
Weight31.46%
1M Return11.26%
Value0.81
Score3/3
Weight31.46%
1M Return11.26%
Cost of sales ratio (%)
Value70.54
Score3/3
Weight9.05%
1M Return2.99%
Value70.54
Score3/3
Weight9.05%
1M Return2.99%
Current ratio
Value9.94
Score3/3
Weight8.80%
1M Return2.90%
Value9.94
Score3/3
Weight8.80%
1M Return2.90%
Revenue-MV
Value0.86
Score1/3
Weight5.78%
1M Return1.86%
Value0.86
Score1/3
Weight5.78%
1M Return1.86%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score3/3
Weight9.64%
1M Return3.19%
Value100.00
Score3/3
Weight9.64%
1M Return3.19%
PB-ROE
Value-0.65
Score1/3
Weight4.20%
1M Return1.44%
Value-0.65
Score1/3
Weight4.20%
1M Return1.44%
Total profit (YoY growth rate %)
Value79.59
Score2/3
Weight12.66%
1M Return4.13%
Value79.59
Score2/3
Weight12.66%
1M Return4.13%
Current assets turnover ratio
Value1.78
Score2/3
Weight8.75%
1M Return2.86%
Value1.78
Score2/3
Weight8.75%
1M Return2.86%
Cash-UP
Value0.81
Score3/3
Weight31.46%
1M Return11.26%
Value0.81
Score3/3
Weight31.46%
1M Return11.26%
Fixed assets turnover ratio
Value7993.84
Score3/3
Weight8.63%
1M Return2.86%
Value7993.84
Score3/3
Weight8.63%
1M Return2.86%
Cost of sales ratio (%)
Value70.54
Score3/3
Weight9.05%
1M Return2.99%
Value70.54
Score3/3
Weight9.05%
1M Return2.99%
Asset-MV
Value-0.51
Score0/3
Weight1.03%
1M Return0.42%
Value-0.51
Score0/3
Weight1.03%
1M Return0.42%
Current ratio
Value9.94
Score3/3
Weight8.80%
1M Return2.90%
Value9.94
Score3/3
Weight8.80%
1M Return2.90%
Is THG fundamentally strong?
- THG scores 5.80/10 on fundamentals and holds a Fair valuation at present. Backed by its 20.66% ROE, 10.05% net margin, 9.40 P/E ratio, 1.74 P/B ratio, and 57.71% earnings growth, these metrics solidify its Netural investment rating.
