John Fowle - Hanover Insurance CEO - Chaucer Syndicates, Ltd.

THG Stock  USD 126.61  2.50  1.94%   

CEO

Mr. John Fowle is Chief Executive Officer and Chief Underwriting Officer, Chaucer, a subsidiary of the Company. He has held key leadership roles at Chaucer since joining the company in 2002, most recently serving as chief underwriting officer, responsible for the development and execution of the company underwriting strategy. Previously, he was the active underwriter of Chaucer main syndicate, 1084. Prior to joining Chaucer, Fowle held various underwriting positions in the London and Lloyd markets. since 2017.
Age 47
Tenure 7 years
Address 440 Lincoln Street, Worcester, MA, United States, 01653
Phone508 855 1000
Webhttps://www.hanover.com

Hanover Insurance Management Efficiency

The current Return On Tangible Assets is estimated to decrease to 0. The current Return On Capital Employed is estimated to decrease to 0.0003. At this time, Hanover Insurance's Non Currrent Assets Other are most likely to increase significantly in the upcoming years. The Hanover Insurance's current Intangible Assets is estimated to increase to about 243.4 M, while Other Assets are projected to decrease to roughly 8.8 B. Hanover Insurance's management efficiency ratios could be used to measure how well Hanover Insurance manages its routine affairs as well as how well it operates its assets and liabilities.
The company has 783.2 M in debt with debt to equity (D/E) ratio of 0.34, which is OK given its current industry classification. Hanover Insurance has a current ratio of 0.35, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Debt can assist Hanover Insurance until it has trouble settling it off, either with new capital or with free cash flow. So, Hanover Insurance's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Hanover Insurance sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Hanover to invest in growth at high rates of return. When we think about Hanover Insurance's use of debt, we should always consider it together with cash and equity.

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The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services in the United States. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts. Hanover Insurance operates under InsuranceProperty Casualty classification in the United States and is traded on New York Stock Exchange. It employs 4400 people. The Hanover Insurance (THG) is traded on New York Stock Exchange in USA. It is located in 440 Lincoln Street, Worcester, MA, United States, 01653 and employs 4,800 people. Hanover Insurance is listed under Property & Casualty Insurance category by Fama And French industry classification.

Management Performance

Hanover Insurance Leadership Team

Elected by the shareholders, the Hanover Insurance's board of directors comprises two types of representatives: Hanover Insurance inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Hanover. The board's role is to monitor Hanover Insurance's management team and ensure that shareholders' interests are well served. Hanover Insurance's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Hanover Insurance's outside directors are responsible for providing unbiased perspectives on the board's policies.
John Fowle, CEO - Chaucer Syndicates, Ltd.
Joseph Zubretsky, President CEO, Director
P Condron, Independent Chairman of the Board
Harriett Taggart, Independent Director
Cynthia Egan, Independent Vice Chairman of the Board
Jeffrey Farber, Chief Financial Officer, Executive Vice President, Senior Finance Officer
Kendall Huber, Executive VP, General Counsel and Assistant Secretary
Andrew Robinson, Executive VP of Corporate Devel. and President of Specialty Insurance
Jennifer Luisa, VP Officer
Mark Keim, Executive Vice President Corporate Development and Strategy
Theodore Bunting, Independent Director
Warren Barnes, Senior Vice President and Corporate Controller and Principal Accounting Officer
Christine BilottiPeterson, Chief Human Resource Officer, Senior Vice President
Lindsay Greenfield, Senior Officer
Mark Berthiaume, Executive Vice President, Chief Technology Innovation Officer
Denise Lowsley, Chief Human Resource Officer, Executive Vice President
Mina Rona, President Sciences
Kathleen Lane, Independent Director
Oksana Lukasheva, IR Contact Officer
Johan Slabbert, CEO of Chaucer
Jane Carlin, Independent Director
J Huber, Executive Vice President General Counsel, Assistant Secretary
Richard Booth, Director
Kevin Bradicich, Independent Director
Bryan Salvatore, Executive Vice President and Presidentident - Specialty
Karen Francis, Director
Sarah Medina, President - Professional Liability
Scott Grieco, Chief Product and Underwriting officer
Michael Angelini, Independent Chairman of the Board
Martin Hughes, Independent Director
John Roche, Senior Vice President and Presidentident - Business Insurance
Ann Tripp, Executive Vice President, Chief Investment Officer, Treasurer and President, Opus Investment Management, Inc.
Matthew Mitchell, President - Hanover's middle market business
James Kelley, President - Hanover Specialty Industrial Property
Richard Lavey, Senior Vice President Chief Marketing and Distribution Officer
Kathleen DeCastro, Chief Human Resource Officer, Executive Vice President
Gayle Falvey, VP COO
Mark Welzenbach, Executive Vice President, Chief Claims Officer
Carrick Bligh, Vice President - Commercial Surety
Frederick Eppinger, CEO and President and Director
Wendell Knox, Independent Director
Willard Lee, Senior Vice President, Chief Technology Innovation Officer, Chief Information Officer
Daniel Henry, Independent Director
Kevin Condron, Independent Director
J Condrin, Independent Director
Dennis Kerrigan, Executive Vice President General Counsel, Assistant Secretary
Robert Stuchbery, President of International Operations and CEO of Chaucer
Eugene Bullis, Interim CFO
Joseph Ramrath, Independent Director
Neal Finnegan, Independent Director
Frank Baron, President of Alternative Markets
Michael Price, Independent Director

Hanover Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Hanover Insurance a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Currently Active Assets on Macroaxis

When determining whether Hanover Insurance is a strong investment it is important to analyze Hanover Insurance's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Hanover Insurance's future performance. For an informed investment choice regarding Hanover Stock, refer to the following important reports:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in The Hanover Insurance. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in rate.
Note that the Hanover Insurance information on this page should be used as a complementary analysis to other Hanover Insurance's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Equity Valuation module to check real value of public entities based on technical and fundamental data.

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When running Hanover Insurance's price analysis, check to measure Hanover Insurance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Hanover Insurance is operating at the current time. Most of Hanover Insurance's value examination focuses on studying past and present price action to predict the probability of Hanover Insurance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Hanover Insurance's price. Additionally, you may evaluate how the addition of Hanover Insurance to your portfolios can decrease your overall portfolio volatility.
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Is Hanover Insurance's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Hanover Insurance. If investors know Hanover will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Hanover Insurance listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
16.105
Dividend Share
3.28
Earnings Share
0.93
Revenue Per Share
167.885
Quarterly Revenue Growth
0.034
The market value of Hanover Insurance is measured differently than its book value, which is the value of Hanover that is recorded on the company's balance sheet. Investors also form their own opinion of Hanover Insurance's value that differs from its market value or its book value, called intrinsic value, which is Hanover Insurance's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Hanover Insurance's market value can be influenced by many factors that don't directly affect Hanover Insurance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Hanover Insurance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Hanover Insurance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Hanover Insurance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.