The Hanover Insurance Group Inc (THG)vsThe Travelers Companies Inc (TRV)
THG
The Hanover Insurance Group Inc
$233.26
-1.09%
FINANCIAL SERVICES · Cap: $8.11B
TRV
The Travelers Companies Inc
$398.27
+1.08%
FINANCIAL SERVICES · Cap: $81.25B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 623% more annual revenue ($48.92B vs $6.76B). TRV leads profitability with a 17.0% profit margin vs 11.2%. THG appears more attractively valued with a PEG of 0.34. THG earns a higher WallStSmart Score of 69/100 (B-).
THG
Strong Buy69
out of 100
Grade: B-
TRV
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 20 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 24.9% YoY
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Generating 3.9B in free cash flow
Areas to Watch
4.3% revenue growth
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 0.5%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : THG
The strongest argument for THG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.34 suggests the stock is reasonably priced for its growth.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity. Profitability is solid with margins at 17.0% and operating margin at 20.0%.
Bear Case : THG
The primary concerns for THG are Revenue Growth, Altman Z-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
THG profiles as a value stock while TRV is a declining play — different risk/reward profiles.
TRV carries more volatility with a beta of 0.44 — expect wider price swings.
THG is growing revenue faster at 4.3% — sustainability is the question.
TRV generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
THG scores higher overall (69/100 vs 66/100). Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
The Hanover Insurance Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hanover Insurance Group, Inc. offers a variety of property and casualty insurance products and services in the United States. The company is headquartered in Worcester, Massachusetts.
Visit Website →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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