COMP <GO>
THG vs V // NET PROFIT MARGIN
Hanover Insurance Group Inc (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: THG 4
— V 8
▲ NET PROFIT MARGIN LEADER: V
LAST: $248.40 (+2.61%) • MKT CAP: $8.32B
net-margins
10.00%
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
net-margins
50.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (THG VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | THG | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.10% | 32.30% | -23.20 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 13.5x | 28.9x | -15.40 | THG | /valuation <GO> |
| Free Cash Flow Yield | 14.30% | 2.90% | +11.40 | THG | /fcf-yield <GO> |
| Operating Margin | 14.10% | 60.00% | -45.90 | V | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 10.00% | 50.10% | -40.10 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 5.70% | 11.30% | -5.60 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.60% | 0.63% | +0.97 | THG | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 9/9 | -1.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 63.2 | 67.7 | -4.50 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.01 | 1.06 | -0.05 | V | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.5x | 34.0x | -22.50 | THG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $8.32B | $738.98B | -$730.66B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | THG REV | V REV | THG GROSS % | V GROSS % | THG FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $6.59B | $40.00B | — | — | $1.17B | $21.26B |
| FY 2024 | $6.24B | $35.93B | — | — | $796.2M | $18.33B |
| FY 2023 | $5.99B | $32.65B | — | — | $92.0M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
THG // BETA 1.01
V // BETA 1.06