Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.85 | 10.14 | 8.42 | 8.35 | 9.25 | 9.88 | 12.42 | 8.42 | 13.22 | 28.00 | 10.71 | 10.19 | 115.60 | — | — | — | 3203.50 | 58.04 | 12.89 | 7.23 | 34.47 |
| — | +2.7% | -32.3% | -0.8% | -30.1% | -64.7% | +16.1% | -17.3% | -88.6% | — | — | — | -96.4% | — | — | — | +9192.7% | +502.4% | -0.0% | +9.6% | +363.2% | |
| P/S Ratio | 1.16 | 1.13 | 0.92 | 0.99 | 1.00 | 0.94 | 0.99 | 0.90 | 0.87 | 0.74 | 0.80 | 0.72 | 0.66 | 0.67 | 0.79 | 0.81 | 0.85 | 1.02 | 1.01 | 0.86 | 0.92 |
| — | +20.2% | -6.8% | +10.6% | +15.1% | +26.3% | +23.8% | +24.7% | +31.1% | +10.6% | +1.2% | -11.6% | -22.0% | -34.3% | -21.9% | -5.5% | -8.3% | +7.9% | +8.9% | +2.9% | +29.6% | |
| P/B Ratio | 2.19 | 2.12 | 1.76 | 1.86 | 1.93 | 1.92 | 2.08 | 1.99 | 1.88 | 1.78 | 1.96 | 1.78 | 1.89 | 1.80 | 1.91 | 2.06 | 2.01 | 2.05 | 1.91 | 1.50 | 1.52 |
| — | +10.1% | -15.3% | -6.7% | +2.7% | +7.8% | +6.1% | +11.7% | -0.8% | -1.1% | +2.3% | -13.5% | -6.0% | -12.2% | +0.5% | +37.0% | +32.8% | +30.8% | +21.5% | +11.1% | +35.1% | |
| P/FCF | 6.53 | 9.28 | 13.64 | 4.40 | 3.00 | 7.54 | 42.67 | 6.72 | 3.45 | 8.29 | 22.03 | 12.14 | 4.52 | 44.05 | 78.33 | 6.18 | 3.72 | 366.64 | 6.91 | 5.23 | 4.14 |
| — | +23.0% | -68.0% | -34.6% | -13.0% | -9.0% | +93.7% | -44.6% | -23.7% | -81.2% | -71.9% | +96.5% | +21.5% | -88.0% | +1033.1% | +18.1% | -10.2% | +4814.4% | -19.3% | -23.6% | +47.9% | |
| EV / EBITDA | 9.22 | 8.57 | 7.32 | 6.56 | 7.72 | 8.50 | 10.69 | 7.12 | 11.07 | 23.99 | 9.35 | 8.05 | 1872.87 | — | — | — | 304.84 | 47.55 | 11.08 | 6.31 | 28.39 |
| — | +0.8% | -31.5% | -7.9% | -30.2% | -64.6% | +14.4% | -11.5% | -99.4% | — | — | — | +514.4% | — | — | — | +973.6% | +455.5% | -4.1% | +6.7% | +324.9% | |
| EV / EBIT | 9.17 | 8.20 | 6.95 | 6.18 | 7.31 | 8.10 | 10.08 | 6.83 | 10.42 | 20.87 | 8.88 | 7.66 | 147.86 | — | — | — | 145.65 | 40.30 | 10.66 | 6.19 | 26.06 |
| — | +1.1% | -31.1% | -9.5% | -29.9% | -61.2% | +13.6% | -10.9% | -92.9% | — | — | — | +1.5% | — | — | — | +459.0% | +382.5% | -4.0% | +6.8% | +303.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 43.5% | 44.2% | 43.7% | 46.8% | 24.5% | 22.7% | 20.5% | 25.7% | 19.2% | 14.6% | 20.0% | 20.6% | 10.5% | 4.8% | 9.5% | 9.7% | 10.9% | 13.8% | 21.1% | 25.9% | 14.7% |
| — | +94.9% | +113.7% | +81.7% | +27.7% | +55.4% | +2.5% | +24.9% | +83.5% | +206.0% | +109.5% | +111.6% | -4.6% | -65.4% | -54.8% | -62.5% | -25.3% | -43.4% | +3.7% | -7.2% | -38.5% | |
| Operating Margin | 12.8% | 14.2% | 13.9% | 15.4% | 13.7% | 12.0% | 10.0% | 13.4% | 8.3% | 3.3% | 9.4% | 9.8% | -0.1% | -6.0% | -1.2% | -1.0% | 0.0% | 2.2% | 9.8% | 14.9% | 3.3% |
| — | +17.7% | +38.9% | +15.1% | +64.9% | +260.4% | +6.5% | +36.4% | +14108.8% | +155.4% | +877.4% | +1088.3% | -262.0% | -376.4% | -112.4% | -106.7% | -98.9% | -82.2% | +9.8% | -6.7% | -72.1% | |
| Net Margin | 10.0% | 11.1% | 11.0% | 11.9% | 10.8% | 9.5% | 8.0% | 10.6% | 6.5% | 2.6% | 7.5% | 7.1% | 0.6% | -4.6% | -0.8% | -0.8% | 0.0% | 1.8% | 7.9% | 11.9% | 2.7% |
| — | +16.6% | +36.7% | +11.6% | +64.8% | +260.7% | +7.3% | +50.7% | +1053.1% | +157.3% | +1001.2% | +999.7% | +1449.5% | -362.0% | -110.5% | -106.6% | -98.6% | -82.1% | +9.0% | -6.3% | -72.1% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 20.7% | 5.3% | 5.2% | 5.7% | 5.4% | 5.0% | 4.4% | 5.9% | 3.8% | 1.6% | 4.6% | 4.7% | 0.4% | -3.0% | -0.5% | -0.5% | 0.0% | 0.8% | 3.5% | 5.2% | 1.1% |
| — | +5.4% | +20.1% | -3.4% | +43.1% | +214.4% | -5.9% | +24.7% | +852.1% | +153.4% | +1011.2% | +1039.9% | +1826.8% | -456.1% | -114.5% | -109.6% | -98.1% | -79.7% | +18.3% | +1.1% | -71.5% | |
| ROA | 4.1% | 1.1% | 1.1% | 1.2% | 1.1% | 1.0% | 0.8% | 1.1% | 0.7% | 0.3% | 0.8% | 0.7% | 0.1% | -0.5% | -0.1% | -0.1% | 0.0% | 0.2% | 0.7% | 1.2% | 0.2% |
| — | +14.0% | +33.8% | +7.4% | +62.8% | +266.3% | +5.4% | +46.9% | +1019.9% | +156.2% | +1026.1% | +992.3% | +1529.7% | -395.9% | -111.4% | -107.3% | -98.5% | -82.5% | +8.3% | -6.0% | -73.1% | |
| ROIC | 18.5% | 4.4% | 4.5% | 5.2% | 4.5% | 4.1% | 3.6% | 4.9% | 3.1% | 1.3% | 3.6% | 4.1% | -0.0% | -2.3% | -0.5% | -0.4% | 0.0% | 0.6% | 2.8% | 4.1% | 0.8% |
| — | +6.2% | +26.7% | +5.0% | +44.6% | +221.9% | -1.8% | +21.4% | +12737.2% | +154.7% | +906.2% | +1156.2% | -300.8% | -460.5% | -116.3% | -109.3% | -98.5% | -79.7% | +22.7% | +1.1% | -72.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.34 | 0.23 | 0.24 | 0.34 | 0.37 | 0.24 | 0.26 | 0.28 | 0.27 | 0.31 | 0.31 | 0.32 | 0.37 | 0.35 | 0.33 | 0.34 | 0.34 | 0.30 | 0.28 | 0.25 | 0.25 |
| — | -5.8% | -8.3% | +23.6% | +37.1% | -20.6% | -17.0% | -13.1% | -26.4% | -12.2% | -5.2% | -5.3% | +8.6% | +15.0% | +18.7% | +34.9% | +35.3% | +22.8% | +7.7% | +1.9% | +1.8% | |
| Debt / EBITDA | 1.45 | 3.46 | 3.59 | 4.75 | 5.67 | 3.97 | 4.93 | 3.72 | 6.02 | 15.04 | 5.36 | 5.19 | 1305.00 | — | — | — | 181.91 | 25.14 | 5.86 | 3.74 | 16.70 |
| — | -12.7% | -27.3% | +27.8% | -5.9% | -73.6% | -8.0% | -28.3% | -99.5% | — | — | — | +617.4% | — | — | — | +989.5% | +428.8% | -11.5% | +1.1% | +227.3% | |
| Current Ratio | 0.62 | 122.53 | 41.90 | 0.58 | 20.65 | 7.86 | 0.70 | 7.18 | 0.67 | 0.35 | — | — | — | — | — | — | — | — | — | — | — |
| — | +1459.9% | +5924.1% | -92.0% | +3001.1% | +2171.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 0.62 | 122.53 | 41.90 | 0.58 | 20.65 | 7.86 | 0.70 | 7.18 | 0.67 | 0.35 | — | — | — | — | — | — | — | — | — | — | — |
| — | +1459.9% | +5924.1% | -92.0% | +3001.1% | +2171.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 20.53 | 25.22 | 22.95 | 18.78 | 20.58 | 24.12 | 19.84 | 25.88 | 16.26 | 6.97 | 18.09 | 18.67 | 0.89 | -9.55 | -1.06 | -0.71 | 1.06 | 4.32 | 16.29 | 25.09 | 6.00 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying THG stock.
The Hanover Insurance Group, Inc.'s current P/E is 11.9x. The average P/E over the last 4 quarters is 9.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
The Hanover Insurance Group, Inc.'s current operating margin is 12.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking The Hanover Insurance Group, Inc.'s business trajectory between earnings reports.