Stock THG THE HANOVER INSURANCE GROUP, INC.
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Financials The Hanover Insurance Group, Inc.

Equities

THG

US4108671052

Property & Casualty Insurance

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
129.6 USD -1.34% Intraday chart for The Hanover Insurance Group, Inc. -1.14% +6.73%
Feb. 26 The Hanover Insurance Group, Inc. Declares Quarterly Dividend, Payable on March 29, 2024 CI
Feb. 21 Transcript : The Hanover Insurance Group, Inc. Presents at Bank of America Securities Financial Services Conference 2024, Feb-21-2024 10:30 AM

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 5,384 4,257 4,663 4,806 4,342 4,656 -
Enterprise Value (EV) 1 5,384 4,917 4,663 4,806 4,342 4,656 4,656
P/E ratio 13.1 x 12.4 x 11.4 x 42.1 x 124 x 12.9 x 10.1 x
Yield 1.79% 2.27% 2.17% 2.26% 2.7% 2.67% 2.82%
Capitalization / Revenue 1.18 x 0.93 x 0.93 x 0.88 x 0.75 x 0.77 x 0.72 x
EV / Revenue 1.18 x 0.93 x 0.93 x 0.88 x 0.75 x 0.77 x 0.72 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.8 x 1.33 x 1.48 x 2.07 x 1.76 x 1.73 x 1.53 x
Nbr of stocks (in thousands) 39,392 36,410 35,580 35,562 35,762 35,930 -
Reference price 2 136.7 116.9 131.1 135.1 121.4 129.6 129.6
Announcement Date 2/4/20 2/3/21 2/2/22 2/1/23 1/31/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 4,582 4,598 4,993 5,476 5,810 6,047 6,457
EBITDA - - - - - - -
EBIT 1 453.6 - - 285.1 105.6 529.2 664.4
Operating Margin 9.9% - - 5.21% 1.82% 8.75% 10.29%
Earnings before Tax (EBT) 1 522.1 444.8 521.3 - 41.1 452.1 582.6
Net income 1 425.1 - 418.7 116 35.3 359.9 463.9
Net margin 9.28% - 8.39% 2.12% 0.61% 5.95% 7.18%
EPS 2 10.46 9.420 11.49 3.210 0.9800 10.06 12.84
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 2.450 2.650 2.850 3.060 3.280 3.460 3.660
Announcement Date 2/4/20 2/3/21 2/2/22 2/1/23 1/31/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 1,375 1,215 1,312 1,333 1,505 1,326 1,422 1,447 1,596 1,346 1,476 1,499 1,662 1,419 1,562
EBITDA - - - - - - - - - - - - - - -
EBIT 1 - - - - - -38.2 - - - 158.1 133.5 97.8 125.2 172.7 170.1
Operating Margin - - - - - -2.88% - - - 11.75% 9.05% 6.52% 7.54% 12.17% 10.89%
Earnings before Tax (EBT) 1 42.5 204.8 130 28.2 0.5 -14.7 -17.5 -90.7 -0.9 150.2 125 81.37 102.2 143.7 161.7
Net income 1 34 163.5 104.8 22.6 0.2 -11.6 -12 -69.2 8.6 107.9 99.57 64.77 81.3 114.3 128.9
Net margin 2.47% 13.46% 7.99% 1.7% 0.01% -0.87% -0.84% -4.78% 0.54% 8.02% 6.75% 4.32% 4.89% 8.05% 8.26%
EPS 2 0.9400 4.530 2.900 0.6300 0.0100 -0.3300 -0.3400 -1.940 0.2400 2.980 2.685 1.855 2.362 3.152 3.567
Dividend per Share 2 0.7000 0.7500 0.7500 0.7500 0.7500 0.8100 0.8100 0.8100 0.8100 0.8500 0.8533 0.8533 0.8533 0.9033 0.9033
Announcement Date 10/27/21 2/2/22 5/3/22 8/2/22 11/1/22 2/1/23 5/2/23 8/2/23 10/18/23 1/31/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - 660 - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 12% 13.1% 10.2% 7.31% 2.43% 14.5% 16.1%
ROA (Net income/ Total Assets) - - - - - - -
Assets 1 - - - - - - -
Book Value Per Share 2 75.90 88.00 88.60 65.40 68.90 75.00 84.50
Cash Flow per Share - 18.60 - - - - -
Capex - 14.9 - - - - -
Capex / Sales - 0.32% - - - - -
Announcement Date 2/4/20 2/3/21 2/2/22 2/1/23 1/31/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for The Hanover Insurance Group, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
7
Last Close Price
129.6 USD
Average target price
149.7 USD
Spread / Average Target
+15.53%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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