Is THG or TIPT more undervalued in 2026?

CirclFi compares Hanover Insurance Group Inc (THG) and Tiptree Inc. (TIPT) using 13 institutional-grade valuation models. THG has a Quality of Company score of 9.0/10 while TIPT scores 8.8/10.

Which is a better buy — THG or TIPT?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do THG and TIPT valuations compare?

THG at $186.20 and TIPT at $18.24 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

THG vs TIPT Valuation Comparison 2026 — Intrinsic Value Analysis

THG

Fire, Marine & Casualty Insurance

Hanover Insurance Group Inc

Quality

9.0

out of 10

Value Trap

SAFE

Price

$186.20

Last close

Models

12/13

Active

TIPT

Fire, Marine & Casualty Insurance

Tiptree Inc.

Quality

8.8

out of 10

Value Trap

LOW

Price

$18.24

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	THG Fair Value	THG Upside	TIPT Fair Value	TIPT Upside
Bayesian DCF	Intrinsic	$277.44	+49.0%	—	—
Earnings Power Value	Intrinsic	$159.75	-14.2%	$0.62	-96.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$301.48	+61.9%	$9.51	-47.9%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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THG vs TIPT — Which Stock Is More Undervalued?

THG scores higher with a 9.0/10 quality rating vs TIPT's 8.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Hanover Insurance Group Inc (THG) and Tiptree Inc. (TIPT) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

THG currently trades at $186.20 with a QOC of 9.0/10, while TIPT trades at $18.24 with a QOC of 8.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).