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The Hanover Insurance Group, Inc.
THGFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $6.60B | 10.0% | $659.75M | $1.17B | N/A |
| 2027 | $7.18B | 10.0% | $717.81M | $1.27B | $1.16B |
| 2028 | $7.81B | 10.0% | $780.98M | $1.38B | $1.14B |
| 2029 | $8.50B | 10.0% | $849.70M | $1.50B | $1.13B |
| 2030 | $9.24B | 10.0% | $924.47M | $1.64B | $1.12B |
| 2031 | $10.06B | 10.0% | $1.01B | $1.78B | $1.11B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $18.51 | 2025-12-31 |
| EPS growth | +56.2% | Forecast years: 5 |
| Future EPS | $172.11 | EPS × (1 + G)^5 |
| Base P/E | 9.9 | P/E |
| Future price | $1,703.91 | Future EPS × P/E |
| Fair value today | $1,057.99 | PV @ 10.0% |
| 30% safety price | $740.60 | Margin of safety |
| 50% safety price | $529.00 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $686.35 | $762.74 | $866.91 |
| 10.0% | $609.12 | $665.45 | $739.10 |
| 11.0% | $548.24 | $591.13 | $645.45 |