THG Hanover Insurance Group Inc
Price (delayed)
$174.95
Market cap
$6.29B
P/E Ratio
14.76
Dividend/share
$3.5
EPS
$11.85
Enterprise value
$6.63B
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
The gross profit has surged by 84% year-on-year and by 8% since the previous quarter
THG's gross margin has soared by 77% year-on-year and by 7% since the previous quarter
Key stats
What are the main financial stats of THG
Market
Valuations
Earnings
Shares outstanding
35.93M
Market cap
$6.29B
Enterprise value
$6.63B
Price to earnings (P/E)
14.76
Price to book (P/B)
2.22
Price to sales (P/S)
1.01
EV/EBIT
11.59
EV/EBITDA
11.56
EV/Sales
1.06
Revenue
$6.24B
Gross profit
$1.26B
Operating income
$571.9M
Net income
$426M
EBIT
$572.6M
EBITDA
$574.1M
Free cash flow
$796.2M
Per share
Balance sheet
Liquidity
EPS
$11.85
EPS diluted
$11.68
Free cash flow per share
$22.18
Book value per share
$78.87
Revenue per share
$173.74
TBVPS
$420.49
Total assets
$15.27B
Total liabilities
$12.43B
Debt
$784.1M
Equity
$2.84B
Working capital
N/A
Debt to equity
0.28
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.61
Margins
Efficiency
Dividend
EBITDA margin
9.2%
Gross margin
20.2%
Net margin
6.8%
Operating margin
9.2%
Return on assets
2.8%
Return on equity
15.8%
Return on invested capital
3.8%
Return on capital employed
N/A
Return on sales
9.2%
Dividend yield
2%
DPS
$3.5
Payout ratio
29.5%
THG stock price
How has the Hanover Insurance Group stock price performed over time
Intraday
0.57%
1 week
1.33%
1 month
2.59%
1 year
30.65%
YTD
13.12%
QTD
0.57%
Financial performance
How have Hanover Insurance Group's revenue and profit performed over time
Revenue
$6.24B
Gross profit
$1.26B
Operating income
$571.9M
Net income
$426M
Gross margin
20.2%
Net margin
6.8%
The gross profit has surged by 84% year-on-year and by 8% since the previous quarter
THG's gross margin has soared by 77% year-on-year and by 7% since the previous quarter
The net income is up by 16% since the previous quarter
The net margin rose by 15% QoQ
Growth
What is Hanover Insurance Group's growth rate over time
Valuation
What is Hanover Insurance Group stock price valuation
P/E
14.76
P/B
2.22
P/S
1.01
EV/EBIT
11.59
EV/EBITDA
11.56
EV/Sales
1.06
The price to earnings (P/E) is 35% lower than the 5-year quarterly average of 22.6 and 20% lower than the last 4 quarters average of 18.5
THG's EPS is up by 16% since the previous quarter
The P/B is 31% higher than the 5-year quarterly average of 1.7 and 17% higher than the last 4 quarters average of 1.9
Hanover Insurance Group's equity has increased by 15% YoY
THG's price to sales (P/S) is 26% higher than its 5-year quarterly average of 0.8 and 26% higher than its last 4 quarters average of 0.8
Hanover Insurance Group's revenue has increased by 4.1% YoY
Efficiency
How efficient is Hanover Insurance Group business performance
The company's return on invested capital rose by 12% QoQ
THG's ROA is up by 12% QoQ
Hanover Insurance Group's return on equity has increased by 12% QoQ
THG's return on sales is up by 11% since the previous quarter
Dividends
What is THG's dividend history
DPS
$3.5
Dividend yield
2%
Payout ratio
29.5%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Hanover Insurance Group financials performed over time
The total assets is 23% higher than the total liabilities
The total assets has increased by 4.5% YoY
The total liabilities is up by 2.4% year-on-year
The debt is 72% lower than the equity
Hanover Insurance Group's equity has increased by 15% YoY
THG's debt to equity is down by 13% YoY but it is up by 3.7% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.