THG Hanover Insurance Group Inc

Price (delayed)

$144.18

Market cap

$5.13B

P/E Ratio

11.96

Dividend/share

$2.95

EPS

$12.06

Enterprise value

$5.64B

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 revenue has increased by 4.4% YoY
The price to earnings (P/E) is 22% lower than the 5-year quarterly average of 15.4 but 7% higher than the last 4 quarters average of 11.2
The net income has declined by 12% year-on-year but it is up by 2.9% since the previous quarter
THG's gross margin is down by 10% year-on-year
Hanover Insurance Group's equity has decreased by 10% QoQ and by 7% YoY

Key stats

What are the main financial stats of THG
Market
Shares outstanding
35.59M
Market cap
$5.13B
Enterprise value
$5.64B
Valuations
Price to earnings (P/E)
11.96
Price to book (P/B)
1.81
Price to sales (P/S)
0.97
EV/EBIT
9.91
EV/EBITDA
9.63
EV/Sales
1.07
Earnings
Revenue
$5.28B
EBIT
$569.5M
EBITDA
$585.9M
Free cash flow
$871.4M
Per share
EPS
$12.06
Free cash flow per share
$24.55
Book value per share
$79.85
Revenue per share
$148.6
TBVPS
$385.03
Balance sheet
Total assets
$13.85B
Total liabilities
$11.01B
Debt
$781.8M
Equity
$2.83B
Working capital
N/A
Liquidity
Debt to equity
0.28
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.87
Margins
EBITDA margin
11.1%
Gross margin
21.4%
Net margin
8.2%
Operating margin
10.8%
Efficiency
Return on assets
3.1%
Return on equity
14.1%
Return on invested capital
4%
Return on capital employed
N/A
Return on sales
10.8%
Dividend
Dividend yield
2.05%
DPS
$2.95
Payout ratio
24.5%

THG stock price

How has the Hanover Insurance Group stock price performed over time
Intraday
-0.34%
1 week
2.73%
1 month
-2.73%
1 year
5.96%
YTD
10.01%
QTD
-3.57%

Financial performance

How have Hanover Insurance Group's revenue and profit performed over time
Revenue
$5.28B
Gross profit
$1.13B
Operating income
$571.2M
Net income
$430.8M
Gross margin
21.4%
Net margin
8.2%
The operating margin has declined by 17% year-on-year
The net margin fell by 15% YoY but it rose by 2.5% QoQ
Hanover Insurance Group's operating income has decreased by 13% YoY but it has increased by 2.9% QoQ
The net income has declined by 12% year-on-year but it is up by 2.9% since the previous quarter

Growth

What is Hanover Insurance Group's growth rate over time

Valuation

What is Hanover Insurance Group stock price valuation
P/E
11.96
P/B
1.81
P/S
0.97
EV/EBIT
9.91
EV/EBITDA
9.63
EV/Sales
1.07
The price to earnings (P/E) is 22% lower than the 5-year quarterly average of 15.4 but 7% higher than the last 4 quarters average of 11.2
THG's EPS is down by 8% year-on-year but it is up by 3.3% since the previous quarter
The P/B is 21% higher than the 5-year quarterly average of 1.5 and 13% higher than the last 4 quarters average of 1.6
Hanover Insurance Group's equity has decreased by 10% QoQ and by 7% YoY
THG's price to sales (P/S) is 8% higher than its last 4 quarters average of 0.9 but 3% lower than its 5-year quarterly average of 1.0
Hanover Insurance Group's revenue has increased by 4.4% YoY

Efficiency

How efficient is Hanover Insurance Group business performance
THG's return on sales is down by 16% year-on-year
THG's ROA is down by 16% YoY but it is up by 3.3% QoQ
The company's return on invested capital fell by 15% YoY but it rose by 2.6% QoQ
Hanover Insurance Group's return on equity has decreased by 11% YoY but it has increased by 4.4% QoQ

Dividends

What is THG's dividend history
DPS
$2.95
Dividend yield
2.05%
Payout ratio
24.5%
Recent dividends

Financial health

How did Hanover Insurance Group financials performed over time
The total assets is 26% higher than the total liabilities
The total liabilities is up by 6% year-on-year
The total assets has increased by 3% YoY but it has decreased by 2.9% QoQ
The debt is 72% lower than the equity
THG's debt to equity is up by 12% QoQ and by 8% YoY
Hanover Insurance Group's equity has decreased by 10% QoQ and by 7% YoY

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