THG Hanover Insurance Group Inc

Price (delayed)

$135.14

Market cap

$4.92B

P/E Ratio

14.2

Dividend/share

$2.7

EPS

$9.52

Enterprise value

$5.58B

Sector: Financial Services
Industry: Insurance - Property & Casualty

The Hanover Insurance Group, Inc. is the holding company for several property and casualty insurance companies, which together constitute one of the largest insurance businesses in the United States. The ...

Highlights

Hanover Insurance Group's equity has increased by 10% YoY
The price to earnings (P/E) is 21% lower than the 5-year quarterly average of 17.8 but 11% higher than the last 4 quarters average of 12.7
THG's EPS is up by 20% since the previous quarter but it is down by 10% year-on-year
The debt rose by 19% YoY

Key stats

What are the main financial stats of THG
Market
Shares outstanding
36.39M
Market cap
$4.92B
Enterprise value
$5.58B
Valuations
Price to earnings (P/E)
14.2
Price to book (P/B)
1.57
Price to sales (P/S)
1.06
EV/EBIT
11.65
EV/EBITDA
11.23
EV/Sales
1.16
Earnings
Revenue
$4.83B
EBIT
$478.6M
EBITDA
$496.8M
Free cash flow
$692.7M
Per share
EPS
$9.52
Free cash flow per share
$18.37
Book value per share
$85.96
Revenue per share
$128.05
TBVPS
$351.85
Balance sheet
Total assets
$13.44B
Total liabilities
$10.24B
Debt
$780.8M
Equity
$3.2B
Working capital
N/A
Liquidity
Debt to equity
0.24
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.33
Margins
EBITDA margin
10.3%
Gross margin
21.4%
Net margin
7.4%
Operating margin
10.1%
Efficiency
Return on assets
2.8%
Return on equity
11.8%
Return on invested capital
3.6%
Return on capital employed
N/A
Return on sales
9.9%
Dividend
Dividend yield
2%
DPS
$2.7
Payout ratio
28.4%

THG stock price

How has the Hanover Insurance Group stock price performed over time
Intraday
0.78%
1 week
0.24%
1 month
2.88%
1 year
34.95%
YTD
15.58%
QTD
4.39%

Financial performance

How have Hanover Insurance Group's revenue and profit performed over time
Revenue
$4.83B
Gross profit
$1.03B
Operating income
$488.1M
Net income
$358.7M
Gross margin
21.4%
Net margin
7.4%
The net income is up by 18% since the previous quarter but it has declined by 16% year-on-year
Hanover Insurance Group's operating income has increased by 18% QoQ but it has decreased by 13% YoY
The net margin rose by 17% QoQ but it fell by 15% YoY
The operating margin is up by 16% since the previous quarter but it has declined by 11% year-on-year

Growth

What is Hanover Insurance Group's growth rate over time

Valuation

What is Hanover Insurance Group stock price valuation
P/E
14.2
P/B
1.57
P/S
1.06
EV/EBIT
11.65
EV/EBITDA
11.23
EV/Sales
1.16
The price to earnings (P/E) is 21% lower than the 5-year quarterly average of 17.8 but 11% higher than the last 4 quarters average of 12.7
THG's EPS is up by 20% since the previous quarter but it is down by 10% year-on-year
The P/B is 30% higher than the last 4 quarters average of 1.2 and 4% higher than the 5-year quarterly average of 1.5
Hanover Insurance Group's equity has increased by 10% YoY
THG's price to sales (P/S) is 31% higher than its last 4 quarters average of 0.8 and 5% higher than its 5-year quarterly average of 1.0

Efficiency

How efficient is Hanover Insurance Group business performance
THG's ROA is down by 20% YoY but it is up by 17% QoQ
The company's return on invested capital fell by 18% YoY but it rose by 16% QoQ
Hanover Insurance Group's return on equity has decreased by 17% YoY but it has increased by 16% QoQ
THG's return on sales is up by 16% since the previous quarter but it is down by 13% year-on-year

Dividends

What is THG's dividend history
DPS
$2.7
Dividend yield
2%
Payout ratio
28.4%
Recent dividends

Financial health

How did Hanover Insurance Group financials performed over time
The total assets is 31% higher than the total liabilities
The total assets has increased by 8% YoY
The total liabilities is up by 7% year-on-year
The debt is 76% lower than the equity
The debt rose by 19% YoY
Hanover Insurance Group's equity has increased by 10% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.