Hanover Insurance Group I...

NYSE: THG · Real-Time Price · USD
166.77
-0.08 (-0.05%)
At close: May 22, 2025, 3:59 PM
166.99
0.13%
After-hours: May 22, 2025, 05:49 PM EDT

Hanover Insurance Statistics

Share Statistics

Hanover Insurance has 36.04M shares outstanding. The number of shares has increased by -0.05% in one year.

Shares Outstanding 36.04M
Shares Change (YoY) -0.05%
Shares Change (QoQ) -0.3%
Owned by Institutions (%) 88.52%
Shares Floating n/a
Failed to Deliver (FTD) Shares 3,265
FTD / Avg. Volume 1.24%

Short Selling Information

The latest short interest is 476.9K, so 1.32% of the outstanding shares have been sold short.

Short Interest 476.9K
Short % of Shares Out 1.32%
Short % of Float 1.48%
Short Ratio (days to cover) 1.72

Valuation Ratios

The PE ratio is 13.03 and the forward PE ratio is 10.48. Hanover Insurance's PEG ratio is 0.01.

PE Ratio 13.03
Forward PE 10.48
PS Ratio 0.89
Forward PS 0.8
PB Ratio 1.95
P/FCF Ratio 6.97
PEG Ratio 0.01
Financial Ratio History

Enterprise Valuation

Hanover Insurance has an Enterprise Value (EV) of 5.9B.

EV / Sales 0.95
EV / EBITDA 13.87
EV / EBIT 7.32
EV / FCF 7.41

Financial Position

The company has a current ratio of 2.61, with a Debt / Equity ratio of 0.28.

Current Ratio 2.61
Quick Ratio 2.61
Debt / Equity 0.28
Debt / EBITDA 1.84
Debt / FCF 0.98
Interest Coverage 15.77

Financial Efficiency

Return on Equity is 14.99% and Return on Invested Capital is 23.71%.

Return on Equity 14.99%
Return on Assets 2.79%
Return on Invested Capital 23.71%
Revenue Per Employee $1,268,734.69
Profits Per Employee $86,938.78
Employee Count 4,900
Asset Turnover 0.41
Inventory Turnover n/a

Taxes

Income Tax 112.5M
Effective Tax Rate 20.92%

Stock Price Statistics

The stock price has increased by 24.58% in the last 52 weeks. The beta is 0.45, so Hanover Insurance's price volatility has been higher than the market average.

Beta 0.45
52-Week Price Change 24.58%
50-Day Moving Average 166
200-Day Moving Average 156
Relative Strength Index (RSI) 51.73
Average Volume (20 Days) 262,485

Income Statement

In the last 12 months, Hanover Insurance had revenue of 6.22B and earned 426M in profits. Earnings per share was 11.85.

Revenue 6.22B
Gross Profit 6.22B
Operating Income 537.8M
Net Income 426M
EBITDA 425.3M
EBIT 571.9M
Earnings Per Share (EPS) 11.85
Full Income Statement

Balance Sheet

The company has 435.5M in cash and 784.1M in debt, giving a net cash position of -348.6M.

Cash & Cash Equivalents 435.5M
Total Debt 784.1M
Net Cash -348.6M
Retained Earnings 3.21B
Total Assets 15.47B
Working Capital 2.06B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 806.4M and capital expenditures -10.2M, giving a free cash flow of 796.2M.

Operating Cash Flow 806.4M
Capital Expenditures -10.2M
Free Cash Flow 796.2M
FCF Per Share 22.18
Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 8.65% and 6.85%.

Gross Margin 100%
Operating Margin 8.65%
Pretax Margin 8.65%
Profit Margin 6.85%
EBITDA Margin 6.84%
EBIT Margin 8.65%
FCF Margin 12.81%

Dividends & Yields

THG pays an annual dividend of $4.35, which amounts to a dividend yield of 2.07%.

Dividend Per Share $4.35
Dividend Yield 2.07%
Dividend Growth (YoY) 5.88%
Payout Ratio 36.25%
Earnings Yield 7.67%
FCF Yield 14.34%
Dividend Details

Analyst Forecast

The average price target for THG is $175, which is 4.9% higher than the current price. The consensus rating is "Buy".

Price Target $175
Price Target Difference 4.9%
Analyst Consensus Buy
Analyst Count 12
Stock Forecasts

Scores

Altman Z-Score 0.95
Piotroski F-Score 7