Critical Survey: Hanover Insurance Group (THG) and Till Capital (TIL)

Hanover Insurance Group (NYSE:THG) and Till Capital (NASDAQ:TIL) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their valuation, risk, analyst recommendations, earnings, dividends, institutional ownership and profitability.

Profitability

This table compares Hanover Insurance Group and Till Capital’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Hanover Insurance Group 4.29% 9.11% 1.75%
Till Capital N/A -6.55% -2.24%

Valuation and Earnings

This table compares Hanover Insurance Group and Till Capital’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Hanover Insurance Group $5.18 billion 0.89 $186.20 million $4.74 23.00
Till Capital $970,000.00 13.57 -$3.73 million N/A N/A

Hanover Insurance Group has higher revenue and earnings than Till Capital.

Risk and Volatility

Hanover Insurance Group has a beta of 0.92, suggesting that its stock price is 8% less volatile than the S&P 500. Comparatively, Till Capital has a beta of 0.34, suggesting that its stock price is 66% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings for Hanover Insurance Group and Till Capital, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Hanover Insurance Group 0 0 2 0 3.00
Till Capital 0 0 0 0 N/A

Hanover Insurance Group presently has a consensus target price of $136.50, indicating a potential upside of 25.23%. Given Hanover Insurance Group’s higher probable upside, analysts clearly believe Hanover Insurance Group is more favorable than Till Capital.

Dividends

Hanover Insurance Group pays an annual dividend of $2.16 per share and has a dividend yield of 2.0%. Till Capital does not pay a dividend. Hanover Insurance Group pays out 45.6% of its earnings in the form of a dividend. Hanover Insurance Group has increased its dividend for 6 consecutive years.

Institutional & Insider Ownership

84.2% of Hanover Insurance Group shares are held by institutional investors. Comparatively, 0.1% of Till Capital shares are held by institutional investors. 1.3% of Hanover Insurance Group shares are held by company insiders. Comparatively, 22.2% of Till Capital shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Hanover Insurance Group beats Till Capital on 11 of the 14 factors compared between the two stocks.

Hanover Insurance Group Company Profile

The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services in the United States and internationally. It operates through four segments: Commercial Lines, Personal Lines, Chaucer, and Other. The Commercial Lines segment offers commercial multiple peril, commercial automobile, workers' compensation, and other commercial coverages, such as inland marine, specialty program business, management and professional liability, surety, and specialty property, as well as monoline general liability, umbrella, healthcare, and miscellaneous commercial property insurance products. The Personal Lines segment provides personal automobile and homeowners coverages, as well as other personal coverages, including personal inland marine, umbrella, fire, personal watercraft, earthquake, and other miscellaneous coverages. The Chaucer segment offers marine, aviation, and political insurance; casualty comprising international liability, specialist coverages, and run-off syndicate participations; and energy, property, and assumed reinsurance treaty insurance services. The Other segment markets investment management and advisory services to institutions, pension funds, and other organizations. The company markets its products and services through a network of independent agents and brokers. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts.

Till Capital Company Profile

Till Capital Ltd., through its subsidiaries, engages in the insurance and reinsurance business in Canada, Bermuda, and the United States. The company provides assumption reinsurance to insurance companies that want to exit the Canadian market; and to insurance companies that want to transfer their remaining claim liabilities on particular books of business, as well as operational services to facilitate the exit of those companies. It also acts as the primary insurer and direct writer for insurance companies seeking Canadian business, but lacking the appropriate Canadian insurance licenses; and ongoing and one-time consulting services in the areas of taxation, risk management, mergers and acquisitions, expert witness testimony, and claim reviews. The company is based in Hamilton, Bermuda.

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