The Hanover Insurance Group, Inc. (FRA:AF4)
Germany · Delayed Price · Currency is EUR 143.00
+2.00 (1.42%)
Last updated: Jan 30, 2026, 9:11 AM CET
FRA:AF4 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Premiums & Annuity Revenue | 6,116 | 5,913 | 5,663 | 5,252 | 4,770 | 4,527 |
Total Interest & Dividend Income | 405.5 | 352 | 302.1 | 260.6 | 242.5 | 248.4 |
Gain (Loss) on Sale of Investments | -63.7 | -75.8 | -32.5 | -106.5 | 123 | 5 |
Other Revenue | 49 | 48.6 | 60.8 | 62.2 | 92.1 | 44 |
| 6,507 | 6,237 | 5,994 | 5,469 | 5,228 | 4,825 | |
Revenue Growth (YoY) | 5.26% | 4.07% | 9.60% | 4.61% | 8.35% | -1.35% |
Policy Benefits | 3,700 | 3,757 | 4,135 | 3,623 | 3,134 | 2,845 |
Policy Acquisition & Underwriting Costs | 1,269 | 1,222 | 1,176 | 1,093 | 982.7 | 951 |
Other Operating Expenses | 702.8 | 686.4 | 607.7 | 573.9 | 555.6 | 540.5 |
Total Operating Expenses | 5,672 | 5,666 | 5,918 | 5,291 | 4,673 | 4,337 |
Operating Income | 834.7 | 571.9 | 75.2 | 178.1 | 555.3 | 488.1 |
Interest Expense | -37.2 | -34.1 | -34.1 | -34.1 | -34 | -37.1 |
EBT Excluding Unusual Items | 797.5 | 537.8 | 41.1 | 144 | 521.3 | 451 |
Other Unusual Items | - | - | - | - | - | -6.2 |
Pretax Income | 797.5 | 537.8 | 41.1 | 144 | 521.3 | 444.8 |
Income Tax Expense | 166.5 | 112.5 | 7.6 | 27.2 | 101.3 | 82.8 |
Earnings From Continuing Ops. | 631 | 425.3 | 33.5 | 116.8 | 420 | 362 |
Earnings From Discontinued Ops. | 0.9 | 0.7 | 1.8 | -0.8 | 2.8 | -3.3 |
Net Income | 631.9 | 426 | 35.3 | 116 | 422.8 | 358.7 |
Net Income to Common | 631.9 | 426 | 35.3 | 116 | 422.8 | 358.7 |
Net Income Growth | 72.65% | 1106.80% | -69.57% | -72.56% | 17.87% | -15.62% |
Shares Outstanding (Basic) | 36 | 36 | 36 | 36 | 36 | 38 |
Shares Outstanding (Diluted) | 36 | 36 | 36 | 36 | 36 | 38 |
Shares Change (YoY) | -0.41% | 0.83% | - | -0.82% | -4.46% | -6.16% |
EPS (Basic) | 17.60 | 11.87 | 0.99 | 3.26 | 11.78 | 9.51 |
EPS (Diluted) | 17.31 | 11.70 | 0.98 | 3.21 | 11.60 | 9.42 |
EPS Growth | 73.14% | 1093.97% | -69.45% | -72.34% | 23.11% | -9.98% |
Free Cash Flow | 1,002 | 795.6 | 349.8 | 704.5 | 815.7 | 692.7 |
Free Cash Flow Per Share | 27.46 | 21.86 | 9.69 | 19.52 | 22.41 | 18.18 |
Dividend Per Share | 3.600 | 3.450 | 3.280 | 3.060 | 2.850 | 2.650 |
Dividend Growth | 5.88% | 5.18% | 7.19% | 7.37% | 7.55% | 8.16% |
Operating Margin | 12.83% | 9.17% | 1.26% | 3.26% | 10.62% | 10.12% |
Profit Margin | 9.71% | 6.83% | 0.59% | 2.12% | 8.09% | 7.43% |
Free Cash Flow Margin | 15.40% | 12.75% | 5.84% | 12.88% | 15.60% | 14.36% |
EBITDA | 835.23 | 573.4 | 81.5 | 191 | 572.2 | 506.3 |
EBITDA Margin | 12.84% | 9.19% | 1.36% | 3.49% | 10.95% | 10.49% |
D&A For EBITDA | 0.53 | 1.5 | 6.3 | 12.9 | 16.9 | 18.2 |
EBIT | 834.7 | 571.9 | 75.2 | 178.1 | 555.3 | 488.1 |
EBIT Margin | 12.83% | 9.17% | 1.26% | 3.26% | 10.62% | 10.12% |
Effective Tax Rate | 20.88% | 20.92% | 18.49% | 18.89% | 19.43% | 18.62% |
Revenue as Reported | 6,507 | 6,237 | 5,994 | 5,469 | 5,228 | 4,825 |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.