Profitability
Weight: 25%
D+
41
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 60.5%
- Loss Ratio Trend +2.25 pp/yr
THG
The Hanover Insurance Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B
70
- 5yr Avg ROE 10.7%
- 5yr Share-Count CAGR -1.3%
Growth Quality
Weight: 10%
C
53
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 6.4%
- Loss Ratio Trend (growth quality check) +2.25 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
B
73
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 1.6%
- Loss Ratio Stability (σ) 0.34
Balance Sheet
Weight: 25%
A+
98
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.73x
- Interest Coverage (EBIT/Int) 20.53x
Stability
Weight: 10%
C
54
- EPS Volatility (σ/μ) 0.61
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 1 new buy; 2 added; 1 trimmed.
- Holders
- 4 +1
- Avg Δ position
- +446.4%
- New buys
- 1
- Full exits
- 0