Hanover Insurance Group I... (THG)
Hanover Insurance Group Statistics
Share Statistics
Hanover Insurance Group has 36.03M shares outstanding. The number of shares has increased by 0.59% in one year.
| Shares Outstanding | 36.03M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 0.14% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 35.72M |
| Failed to Deliver (FTD) Shares | 1 |
| FTD / Avg. Volume | 0% |
Short Selling Information
The latest short interest is 245.35K, so 0.68% of the outstanding shares have been sold short.
| Short Interest | 245.35K |
| Short % of Shares Out | 0.68% |
| Short % of Float | 0.69% |
| Short Ratio (days to cover) | 1.37 |
Valuation Ratios
The PE ratio is 122.8 and the forward PE ratio is 11.94. Hanover Insurance Group 's PEG ratio is 0.08.
| PE Ratio | 122.8 |
| Forward PE | 11.94 |
| PS Ratio | 0.72 |
| Forward PS | 0.8 |
| PB Ratio | 1.76 |
| P/FCF Ratio | 12.39 |
| PEG Ratio | 0.08 |
Enterprise Valuation
Hanover Insurance Group Inc. has an Enterprise Value (EV) of 4.80B.
| EV / Earnings | 136.03 |
| EV / Sales | 0.8 |
| EV / EBITDA | 63.85 |
| EV / EBIT | 100.04 |
| EV / FCF | 13.73 |
Financial Position
The company has a current ratio of 0.33, with a Debt / Equity ratio of 0.32.
| Current Ratio | 0.33 |
| Quick Ratio | 0.33 |
| Debt / Equity | 0.32 |
| Total Debt / Capitalization | 24.11 |
| Cash Flow / Debt | 0.46 |
| Interest Coverage | 1.41 |
Financial Efficiency
Return on equity (ROE) is 0.01% and return on capital (ROIC) is 1.2%.
| Return on Equity (ROE) | 0.01% |
| Return on Assets (ROA) | 0% |
| Return on Capital (ROIC) | 1.2% |
| Revenue Per Employee | 1.25M |
| Profits Per Employee | 7.35K |
| Employee Count | 4.80K |
| Asset Turnover | 0.41 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 7.60M |
| Effective Tax Rate | 0.18 |
Stock Price Statistics
The stock price has increased by 19.44% in the last 52 weeks. The beta is 0.7, so Hanover Insurance Group 's price volatility has been higher than the market average.
| Beta | 0.7 |
| 52-Week Price Change | 19.44% |
| 50-Day Moving Average | 157.44 |
| 200-Day Moving Average | 142.23 |
| Relative Strength Index (RSI) | 55.35 |
| Average Volume (20 Days) | 183.76K |
Income Statement
In the last 12 months, Hanover Insurance Group had revenue of 5.99B and earned 35.30M in profits. Earnings per share was 0.99.
| Revenue | 5.99B |
| Gross Profit | 6.01B |
| Operating Income | 48.00M |
| Net Income | 35.30M |
| EBITDA | 75.20M |
| EBIT | 48.00M |
| Earnings Per Share (EPS) | 0.99 |
Balance Sheet
The company has 316.10M in cash and 783.20M in debt, giving a net cash position of -467.10M.
| Cash & Cash Equivalents | 316.10M |
| Total Debt | 783.20M |
| Net Cash | -467.10M |
| Retained Earnings | 2.91B |
| Total Assets | 15.37B |
| Working Capital | 1.53B |
Cash Flow
In the last 12 months, operating cash flow was 361.70M and capital expenditures -11.90M, giving a free cash flow of 349.80M.
| Operating Cash Flow | 361.70M |
| Capital Expenditures | -11.90M |
| Free Cash Flow | 349.80M |
| FCF Per Share | 9.8 |
Margins
Gross margin is 100.3%, with operating and profit margins of 0.8% and 0.59%.
| Gross Margin | 100.3% |
| Operating Margin | 0.8% |
| Pretax Margin | 0.69% |
| Profit Margin | 0.59% |
| EBITDA Margin | 1.25% |
| EBIT Margin | 0.8% |
| FCF Margin | 5.84% |
Dividends & Yields
THG pays an annual dividend of $3.6, which amounts to a dividend yield of 2.34%.
| Dividend Per Share | $3.60 |
| Dividend Yield | 2.34% |
| Dividend Growth (YoY) | 5.88% |
| Payout Ratio | 35.64% |
| Earnings Yield | 0.63% |
| FCF Yield | 6.16% |
Analyst Forecast
The average price target for THG is $175.5, which is 11.4% higher than the current price. The consensus rating is "Hold".
| Price Target | $175.5 |
| Price Target Difference | 11.4% |
| Analyst Consensus | Hold |
| Analyst Count | 8 |
Scores
| Altman Z-Score | 1.13 |
| Piotroski F-Score | 6 |