The Hanover Insurance Group, Inc. (FRA:AF4)

FRA:AF4 Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb 19, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	5,249	5,539	5,383	3,928	4,497	4,100
Market Cap Growth	-5.30%	2.90%	37.02%	-12.63%	9.66%	17.82%
Enterprise Value	5,330	5,849	5,728	4,370	5,074	4,637
PE Ratio	9.30	9.82	13.08	123.01	41.43	11.03
PS Ratio	0.93	0.99	0.89	0.72	0.88	0.89
PB Ratio	1.73	1.82	1.96	1.76	2.06	1.48
P/FCF Ratio	5.26	-	7.01	12.41	6.82	5.72
P/OCF Ratio	5.23	-	6.92	12.01	6.65	5.66
EV/Sales Ratio	0.95	1.04	0.95	0.81	0.99	1.01
EV/EBITDA Ratio	7.07	7.73	10.34	59.27	28.39	9.22
EV/EBIT Ratio	7.08	7.74	10.37	64.24	30.45	9.50
EV/FCF Ratio	5.35	-	7.45	13.81	7.70	6.47
Debt / Equity Ratio	0.34	0.34	0.28	0.32	0.34	0.25
Debt / EBITDA Ratio	1.37	1.37	1.37	9.61	4.10	1.37
Debt / FCF Ratio	-	-	0.99	2.24	1.11	0.96
Net Debt / Equity Ratio	0.03	0.03	0.12	0.19	0.21	0.18
Net Debt / EBITDA Ratio	0.11	0.11	0.61	5.73	2.50	0.96
Net Debt / FCF Ratio	-	-	0.44	1.34	0.68	0.68
Quick Ratio	0.24	0.24	0.19	0.18	0.18	0.17
Current Ratio	0.41	0.41	0.38	0.37	0.37	0.37
Asset Turnover	0.41	0.41	0.42	0.42	0.39	0.38
Return on Equity (ROE)	20.60%	20.60%	16.03%	1.40%	4.26%	13.23%
Return on Assets (ROA)	3.44%	3.44%	2.39%	0.33%	0.79%	2.51%
Return on Invested Capital (ROIC)	14.63%	16.51%	13.16%	1.93%	4.10%	11.31%
Earnings Yield	10.75%	10.19%	7.64%	0.81%	2.41%	9.07%
FCF Yield	18.99%	-	14.28%	8.06%	14.66%	17.49%
Dividend Yield	2.16%	2.01%	2.33%	2.88%	2.43%	2.36%
Payout Ratio	19.71%	-	29.13%	332.01%	93.88%	24.17%
Buyback Yield / Dilution	-0.27%	-0.27%	-0.83%	-0.28%	0.82%	4.46%
Total Shareholder Return	1.89%	1.73%	1.50%	2.60%	3.25%	6.82%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.