When is THG's next earnings date?

Based on SEC filing cadence, Hanover Insurance Group Inc (THG)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is THG stock expected to move on earnings?

Volatility modeling currently projects a ±3.9% event move for THG, spanning a range between $238.71 and $258.09.

Stock Ratings / Financials / THG / earnings

KNSL (78) AXS (48) ORI (61) ESNT (77) ⌘ Pro Terminal →

Hanover Insurance Group Inc (THG) Next Earnings Date & Expected ±3.9% Move

$248.40 +2.61% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $250.16

Hanover Insurance Group Inc (THG) earns a Roarable Rating of B+ (Buy) with 77/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B+ • BUY Cap $8.32B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on THG Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is THG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Hanover Insurance Group Inc (NYSE: THG) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $248.40 (+2.61% 1D, market cap $8.32B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, THG ranks #19 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does THG compare to KNSL and AXS in the Financials sector?

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Within the Financials sector (Property-Casualty Insurers), THG carries a Roarable B+ (77/100 RQD), trailing P/E of 12.4x, gross margin of —, and ROIC of 9.1%. By comparison, KNSL (Kinsale Capital Group Inc.) holds a B+ grade (78/100 RQD, P/E 16.2x, ROIC 13.8%, cap $8.23B) and AXS (Axis Capital Holdings Limited) posts a D grade (48/100 RQD, P/E 7.3x, ROIC 5.6%, cap $7.52B). Among the 5-stock peer group, AXS leads on earnings multiple (7.3x) while KNSL leads on capital efficiency (13.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for THG?

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Per THG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000944695), Hanover Insurance Group Inc generated $6.59B in revenue (+5.7% YoY), $662.5M in net income, and $1.17B in free cash flow against $16.95B in total assets and $6.02B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $250.16 (+0.71%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 17.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 77/100 (B+) historically ranked in the Top 10% of excess returns over the next 90 days (+7.8% avg 90D alpha vs SPY • 70.3% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B+

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+8.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for THG)Realized 20D OHLCV Swing Band: ±3.9%

Deterministic 5-Pillar Attribution (77/100 Composite)

🔍 WHY THG SCORES 77/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+17/20 pts (22% of score)

20D Institutional Volume Accumulation (±3.9% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit14/20 pts (-6 pt drag)

Macro rate sensitivity & RSI-14 (63.2) create a -6 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$226.17+2.5% Next Q

Q2 (-2Q)

Grade B$231.93+0.6% Next Q

Q3 (-1Q)

Grade B+$233.26+6.5% Next Q

Current

Grade B+$248.40+7.8% Hist 90D α

Trajectory: B- (69) → B+ (77)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the THG Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 77/100 (B+) score, THG faces multiple-compression risk if 12.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($227.09) or 200D SMA ($201.18) invalidates the momentum regime and cuts Target Base ($269.64) toward Bear Floor ($203.69).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $THG• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “THG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 77%NO 23%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±3.9% Swing Band

±$9.69 Expected Swing

MODEL EARNINGS SETUP GAUGE

THG Quantitative Pre-Earnings Setup: 77/100

Trailing EPS: $19.03 • YoY Revenue Growth: 5.7%

Model Bullish Setup (77/100)Model Risk Weight (23/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$6.59B	$662.5M	$1.17B	52%
FY 2024	2024-12-31	$6.24B	$426.0M	$796.2M	52%
FY 2023	2023-12-31	$5.99B	$35.3M	$92.0M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating THG & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on THG
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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THG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +35.53%▲ RESISTANCE BREAKOUT

2026-11-03O $235.1H $248.4L $235.1C $248.4VOL 431.3K

RES: $241.1SUP: $210.8SMA50: $227.1SMA200: $201.2

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

THG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 THG Butterfly Map → + Track THG →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

3.2%/yr Implied 5Y Growth

vs. +5.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on THG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for THG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for THG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (THG)

Financials Rank #19 of 1097 ⚔️ KNSL vs THG Full Matrix →

1. Head-to-Head Financials Peer Comparison (THG vs. KNSL, AXS, ORI, ESNT)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Hanover Insurance Group Inc (THG) ranks #19 by composite RQD confidence (77/100, grade B+) and #212 by equity capitalization ($8.32B). Within this direct 5-issuer industry benchmark cohort, AXS leads on earnings valuation at 7.3x trailing P/E, while KNSL leads on capital efficiency and profitability with 13.8% ROIC and — gross margin. KNSL currently holds the highest overall quantitative score in the immediate peer group at 78/100 (B+) compared with THG at 77/100 (B+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
THG ACTIVE Hanover Insurance Group Inc	B+	77/100	12.4x	—	9.1%	+2.61%	$8.32B	Benchmark Subject
KNSL Kinsale Capital Group Inc.	B+	78/100	16.2x	—	13.8%	+3.80%	$8.23B	/knsl-vs-thg →
AXS Axis Capital Holdings Limited	D	48/100	7.3x	—	5.6%	+1.65%	$7.52B	/axs-vs-thg →
ORI Old Republic International Corporation	C-	61/100	9.9x	—	7.3%	+1.06%	$9.30B	/ori-vs-thg →
ESNT Essent Group Ltd.	B+	77/100	8.8x	—	11.9%	+1.82%	$6.02B	/esnt-vs-thg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000944695 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Hanover Insurance Group Inc (THG) reported GAAP revenue of $6.59B (+5.7% vs. FY2024 revenue of $6.24B , and +10.0% cumulative change since FY2023) , GAAP net income of $662.5M, operating cash flow of $1.18B, and free cash flow of $1.17B (+47.0% YoY). On the balance sheet, THG closed FY2025 with $16.95B in total assets against $6.02B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$6.59B	$662.5M	$1.18B	$1.17B	$16.95B	$6.02B
FY2024 (FY)	2024-12-31	$6.24B	$426.0M	$806.4M	$796.2M	$15.27B	$5.59B
FY2023 (FY)	2023-12-31	$5.99B	$35.3M	$361.7M	$92.0M	$7.19B	$1.68B

3. THG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is THG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does THG compare to KNSL and AXS in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for THG?

Where is THG trading relative to its 50-day, 200-day, and 52-week technical levels?

THG last traded at $248.40 (+2.61% on volume of 535,449 shares), positioning the stock +9.38% above its 50-day simple moving average ($227.09) and +23.47% above its 200-day simple moving average ($201.18). Across its 52-week range of $166.54 to $242.54, THG sits at the 100.0% percentile with a 14-day RSI of 63.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.9% ($238.71 to $258.09).

Direct Sub-Reports: THG RQD Cockpit THG 12M Forecast THG Earnings & Move THG Dividends & DRIP THG Insiders & 13F THG Whale Options THG Profit Sankey THG News & Why

ROARABLE RATING BRIEF • RQD 77/100 (B+) ✓ SEC XBRL & RQD VERIFIED

THG — Hanover Insurance Group Inc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Hanover Insurance Group Inc (THG) earns a live Roarable RQD composite score of 77/100, corresponding to a B+ letter grade (Roarable Buy) at a spot price of $248.40 (+2.61% 1D, market capitalization $8.32B).

Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 9.1%, gross margin of —, operating margin of 14.1%, and free cash flow yield of 14.30%.
Whale 13F & Options Flow (17/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (14/20) + Forensic Balance Sheet (15/20): Incorporates a 1.01x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Hanover Insurance Group Inc (THG) is a NYSE-listed operating company in the Property-Casualty Insurers industry (Financials sector) with an equity market capitalization of $8.32B. The business operates with a gross margin of 0%, an operating margin of 14.1%, and a return on invested capital (ROIC) of 9.1% (free cash flow yield of 14.3%). Within the Property-Casualty Insurers peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Hanover Insurance Group Inc (THG) reported $6.59B in annual revenue (up from $6.24B in FY2024, +5.7% YoY) and $662.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($5.99B revenue, $35.3M net income) through FY2025, THG scaled operating cash flow to $1.18B and free cash flow to $1.17B, backed by $16.95B in total assets against $6.02B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B+ • RQD 77/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 17/20, sustained execution supports upside toward the upper end of the $166.54 – $242.54 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.4x trailing P/E and 13.5x EV/EBITDA against 14.1% operating margins and a 1.01x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

(supply_chain is NONE, butterfly_links is empty, and proprietary_signals is empty. Upstream and downstream dependencies and sector correlations are not provided.)

Key Question #1: Can THG sustain or expand its 14.1% operating margin and 9.1% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $6.59B and free cash flow of $1.17B, how will capital allocation balance growth reinvestment against $6.02B in total debt?
Key Question #3: How sensitive is THG's 11.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.01x)?

THG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Hanover Insurance Group Inc (THG) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to THG Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

Is The Hanover Insurance Group (THG) Stock Undervalued Right Now?

Yahoo Finance report covering Hanover Insurance Group Inc (THG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH TradingView • 1d ago

Hanover Insurance Group Inc Stock 12‑Month Price Target Cut to $237, Implies 8% Upside

TradingView report covering Hanover Insurance Group Inc (THG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Hanover Insurance Group (THG) Stock Looks Stretched After A 115% Run

Yahoo Finance report covering Hanover Insurance Group Inc (THG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Investing.com • 1d ago

Citizens raises Hanover Insurance stock price target on strong Q3

Investing.com report covering Hanover Insurance Group Inc (THG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Seeking Alpha • 1d ago

Hanover Insurance: Strong Execution, But Limited Upside At Current Levels (NYSE:THG)

Seeking Alpha report covering Hanover Insurance Group Inc (THG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

The Hanover Insurance Group, Inc. (THG) Hits Fresh High: Is There Still Room to Run?

Yahoo Finance report covering Hanover Insurance Group Inc (THG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

The Hanover Insurance Group (NYSE:THG) reports sales below analyst estimates in Q3 2026 earnings

TradingView report covering Hanover Insurance Group Inc (THG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo! Finance Canada • 1d ago

Hanover Insurance (THG) is an Incredible Growth Stock: 3 Reasons Why

Yahoo! Finance Canada report covering Hanover Insurance Group Inc (THG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

THG Bull vs. Bear Conversation Board — What's Your Call at $248.40?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON THG 🐻 33% BEARISH CONVICTION

CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $280.82 (+16.0%)

📌 Pinned Debate

Smart-money pillars (Whale 13F Flow and Insider Conviction, each 17/20) and a 14.3% FCF yield indicate strong institutional and cash-ge

Picked up a starter position in THG in my $100K Virtual Cash book at $242.09. Smart-money pillars (Whale 13F Flow and Insider Conviction, each 17/20) and a 14.3% FCF yield indicate strong institutional and cash-generation support.. Trading inside a $166.54–$242.54 52-week range with 14.3% FCF yield gives solid downside support if Property-Casualty Insurers multiples expand this quarter.

ArenaChamp_24 🐂 BULL

@CashFlowKing Agree on the RQD 77/100 quality, though with 1.01 beta I'm scaling in with half-size at $242.09 and keeping dry powder in case we test $225.14.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $203.36 (-16.0%)

Spot @ $242.09

A 13.5x EV/EBITDA multiple near the top of the 52-week range ($242.54 high) and a recent $237 price-target cut leave limited upside per

Careful chasing THG at $242.09. A 13.5x EV/EBITDA multiple near the top of the 52-week range ($242.54 high) and a recent $237 price-target cut leave limited upside per the news wire.. Gross margin is 0.0%, but operating margin is 14.1%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $203.36 on multiple compression.