HCI [HCI] vs Hanover Insurance [THG] Detailed Stock Comparison
HCI
NYSE
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Hanover Insurance
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: HCI wins in 6 metrics, Hanover Insurance wins in 12 metrics, with 0 ties. Hanover Insurance appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | HCI | Hanover Insurance | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 16.94 | 12.10 | Hanover Insurance |
| Price-to-Book Ratio | 4.49 | 2.05 | Hanover Insurance |
| Debt-to-Equity Ratio | 27.57 | 24.39 | Hanover Insurance |
| PEG Ratio | 2.25 | 0.04 | Hanover Insurance |
| EV/EBITDA | 3.46 | 9.68 | HCI |
| Profit Margin (TTM) | 18.58% | 8.67% | HCI |
| Operating Margin (TTM) | -3.60% | 12.54% | Hanover Insurance |
| EBITDA Margin (TTM) | N/A | 12.54% | N/A |
| Return on Equity | 25.47% | 19.23% | HCI |
| Return on Assets (TTM) | 6.73% | 3.00% | HCI |
| Free Cash Flow (TTM) | $327.76M | $796.20M | Hanover Insurance |
| Dividend Yield | 0.81% | 1.59% | Hanover Insurance |
| 1-Year Return | 67.69% | 23.30% | HCI |
| Price-to-Sales Ratio (TTM) | 3.23 | 1.03 | Hanover Insurance |
| Enterprise Value | $820.68M | $7.11B | Hanover Insurance |
| EV/Revenue Ratio | 1.06 | 1.11 | HCI |
| Revenue per Share (TTM) | $74 | $178 | Hanover Insurance |
| Earnings per Share (Diluted) | $11.42 | $15.19 | Hanover Insurance |
| Beta (Stock Volatility) | 1.16 | 0.44 | Hanover Insurance |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
HCI vs Hanover Insurance Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| HCI | 1.95% | 3.16% | 13.49% | 31.83% | 30.51% | 69.02% |
| Hanover Insurance | 0.90% | 2.48% | 3.56% | 12.06% | 6.37% | 20.54% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| HCI | 67.69% | 481.89% | 305.19% | 384.43% | 2,818.25% | 2,995.68% |
| Hanover Insurance | 23.30% | 38.20% | 91.53% | 146.41% | 324.76% | 403.15% |
News Based Sentiment: HCI vs Hanover Insurance
HCI
News based Sentiment: POSITIVE
HCI Group experienced a very positive month, highlighted by a new 52-week high, strong Q2 earnings that beat expectations, and optimistic analyst projections. The filing for an IPO of its subsidiary, Exzeo, while carrying some risk, signals a strategic move to unlock value and capitalize on its technology assets, making this a significant month for the company.
Hanover Insurance
News based Sentiment: POSITIVE
October 2025 was a standout month for Hanover Insurance, driven by significantly exceeding earnings expectations, multiple analyst upgrades, and strategic initiatives focused on growth and financial stability. The combination of strong financial performance and positive market sentiment creates a compelling investment narrative.
Performance & Financial Health Analysis: HCI vs Hanover Insurance
| Metric | HCI | THG |
|---|---|---|
| Market Information | ||
| Market Cap | $2.51B | $6.58B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 136,390 | 210,360 |
| 90 Day Avg. Volume | 153,947 | 227,610 |
| Last Close | $193.48 | $183.75 |
| 52 Week Range | $91.06 - $194.19 | $142.48 - $184.97 |
| % from 52W High | -0.37% | -0.66% |
| All-Time High | $194.35 (Oct 03, 2025) | $185.02 (Oct 03, 2025) |
| % from All-Time High | -0.45% | -0.69% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.48% | 0.08% |
| Quarterly Earnings Growth | 0.08% | 2.88% |
| Financial Health | ||
| Profit Margin (TTM) | 0.19% | 0.09% |
| Operating Margin (TTM) | -0.04% | 0.13% |
| Return on Equity (TTM) | 0.25% | 0.19% |
| Debt to Equity (MRQ) | 27.57 | 24.39 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $43.12 | $89.59 |
| Cash per Share (MRQ) | $84.18 | $6.82 |
| Operating Cash Flow (TTM) | $485.84M | $857.30M |
| Levered Free Cash Flow (TTM) | $485.27M | $624.16M |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.81% | 1.59% |
| Last 12-Month Dividend | $1.20 | $2.65 |
Valuation & Enterprise Metrics Analysis: HCI vs Hanover Insurance
| Metric | HCI | THG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 16.94 | 12.10 |
| Forward P/E | 15.28 | 13.39 |
| PEG Ratio | 2.25 | 0.04 |
| Price to Sales (TTM) | 3.23 | 1.03 |
| Price to Book (MRQ) | 4.49 | 2.05 |
| Market Capitalization | ||
| Market Capitalization | $2.51B | $6.58B |
| Enterprise Value | $820.68M | $7.11B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.06 | 1.11 |
| Enterprise to EBITDA | 3.46 | 9.68 |
| Risk & Other Metrics | ||
| Beta | 1.16 | 0.44 |
| Book Value per Share (MRQ) | $43.12 | $89.59 |
Financial Statements Comparison: HCI vs Hanover Insurance
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | HCI | THG |
|---|---|---|
| Revenue/Sales | $221.95M | $1.65B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $94.39M | $198.80M |
| Income Tax | $24.11M | $41.90M |
| Net Income (Profit) | $70.28M | $157.10M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | HCI | THG |
|---|---|---|
| Cash & Equivalents | $754.48M | $315.10M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $185.33M | $722.50M |
| Total Shareholders Equity | $544.47M | $3.04B |
| Retained Earnings | $397.17M | $3.31B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | HCI | THG |
|---|---|---|
| Operating Cash Flow | $128.33M | $58.80M |
| Capital Expenditures | $-1.73M | N/A |
| Free Cash Flow | $160.27M | $37.10M |
| Debt Repayment | $-133,000 | N/A |
| Common Stock Repurchase | $-639,000 | $-11.00M |
Short Interest & Institutional Ownership Analysis
| Metric | HCI | THG |
|---|---|---|
| Shares Short | 497,926 | 599,832 |
| Short Ratio | 3.70 | 3.14 |
| Short % of Float | 0.05% | 0.02% |
| Average Daily Volume (10 Day) | 136,390 | 210,360 |
| Average Daily Volume (90 Day) | 153,947 | 227,610 |
| Shares Outstanding | 10.77M | 35.90M |
| Float Shares | 5.16M | 35.44M |
| % Held by Insiders | 0.18% | 0.01% |
| % Held by Institutions | 0.80% | 0.92% |
Dividend Analysis & Yield Comparison: HCI vs Hanover Insurance
| Metric | HCI | THG |
|---|---|---|
| Last 12-Month Dividend | $1.20 | $2.65 |
| Last 12-Month Dividend Yield | 0.81% | 1.59% |
| 3-Year Avg Annual Dividend | $1.33 | $2.79 |
| 3-Year Avg Dividend Yield | 0.57% | 0.62% |
| 3-Year Total Dividends | $4.00 | $8.38 |
| Ex-Dividend Date | Feb 21, 2025 | Mar 14, 2025 |