{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "cd3de370-89c2-491d-a1f3-2368ea009d87",
    "symbol": "THG",
    "name": "The Hanover Insurance Group Inc",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Insurance - Property & Casualty",
    "chart_url": "https://sharemaestro.com/terminal/cd3de370-89c2-491d-a1f3-2368ea009d87/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "cd3de370-89c2-491d-a1f3-2368ea009d87",
      "symbol": "THG",
      "name": "The Hanover Insurance Group Inc",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Insurance - Property & Casualty",
      "chart_url": "https://sharemaestro.com/terminal/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "THG",
    "market_cap": 6915138560.0,
    "market_cap_usd": 6759097380.53,
    "price": 197.649994,
    "currency": "USD",
    "dividend_yield": 0.00480648,
    "dividend_years": 27,
    "dividend_growth_5y": 0.06612812,
    "dividend_cut_5y": false,
    "payout_ratio": 0.1867,
    "net_income": 662500000.0,
    "free_cash_flow": 1170400000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.23633,
    "revenue_growth_5y": 0.06485802,
    "net_margin": 0.10775,
    "roe": 0.21747999,
    "pe_ratio": 9.97225,
    "price_vs_ma": 0.09904138,
    "return_3y": 0.91137041,
    "return_5y": 0.60001151,
    "max_drawdown": -0.30109882,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 20.0,
      "business_quality": 21.5,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 96.5,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [
      "Dividend yield normalized from payment history because provider yield looked inconsistent."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/",
      "chart": "https://sharemaestro.com/terminal/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 20.0,
    "business_quality": 21.5,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 96.5,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend yield normalized from payment history because provider yield looked inconsistent."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend review warning",
      "detail": "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG qualified as a dividend compounder candidate",
      "detail": "Score 96.5/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2026-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.95 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2025-12-12",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.6%",
      "detail": "Payment changed from 0.9 to 0.95.",
      "amount": 0.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2025-12-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.95 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2025-09-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.9 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.9,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2025-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.9 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.9,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2025-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.9 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.9,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2024-12-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.9%",
      "detail": "Payment changed from 0.85 to 0.9.",
      "amount": 0.9,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2024-12-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.9 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.9,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2024-09-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.85 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.85,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2024-06-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.85 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.85,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2024-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.85 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.85,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2023-12-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.85 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.85,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2023-09-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.81 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.81,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2023-06-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "THG dividend payment 0.81 USD",
      "detail": "Recorded dividend payment for The Hanover Insurance Group Inc.",
      "amount": 0.81,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2022-12-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "Dividend increased 8.0%",
      "detail": "Payment changed from 0.75 to 0.81.",
      "amount": 0.81,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2021-12-15",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "Dividend increased 7.1%",
      "detail": "Payment changed from 0.7 to 0.75.",
      "amount": 0.75,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2020-12-17",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "Dividend increased 7.7%",
      "detail": "Payment changed from 0.65 to 0.7.",
      "amount": 0.7,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    },
    {
      "event_date": "2020-03-12",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "THG",
      "exchange": "NYSE",
      "headline": "Dividend cut -79.4%",
      "detail": "Payment changed from 3.15 to 0.65.",
      "amount": 0.65,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd3de370-89c2-491d-a1f3-2368ea009d87/"
    }
  ]
}