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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 2, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	5,691	5,383	3,928	4,497	4,100	3,480
Market Cap Growth	2.15%	37.02%	-12.63%	9.66%	17.82%	-27.46%
Enterprise Value	6,004	5,728	4,370	5,074	4,637	3,929
PE Ratio	10.57	13.08	123.01	41.43	11.03	11.87
PS Ratio	1.03	0.89	0.72	0.88	0.89	0.88
PB Ratio	1.95	1.96	1.76	2.06	1.48	1.33
P/FCF Ratio	6.66	7.01	12.41	6.82	5.72	6.15
P/OCF Ratio	6.60	6.92	12.01	6.65	5.66	6.02
EV/Sales Ratio	1.07	0.95	0.81	0.99	1.01	1.00
EV/EBITDA Ratio	8.36	10.34	59.27	28.39	9.22	9.49
EV/EBIT Ratio	8.36	10.37	64.24	30.45	9.50	9.85
EV/FCF Ratio	7.03	7.45	13.81	7.70	6.47	6.94
Debt / Equity Ratio	0.37	0.28	0.32	0.34	0.25	0.24
Debt / EBITDA Ratio	1.53	1.37	9.61	4.10	1.37	1.54
Debt / FCF Ratio	1.28	0.99	2.24	1.11	0.96	1.13
Quick Ratio	0.23	0.19	0.18	0.18	0.17	0.16
Current Ratio	0.40	0.38	0.37	0.37	0.37	0.37
Asset Turnover	0.41	0.42	0.42	0.39	0.38	0.37
Return on Equity (ROE)	20.02%	16.03%	1.40%	4.26%	13.23%	11.83%
Return on Assets (ROA)	3.25%	2.39%	0.33%	0.79%	2.51%	2.35%
Return on Capital (ROIC)	12.47%	10.40%	1.48%	3.16%	8.78%	8.08%
Earnings Yield	9.46%	7.64%	0.81%	2.41%	9.07%	8.43%
FCF Yield	15.00%	14.28%	8.06%	14.66%	17.49%	16.27%
Dividend Yield	2.04%	2.32%	2.86%	2.42%	2.35%	2.59%
Payout Ratio	20.46%	29.13%	332.01%	93.88%	24.17%	27.74%
Buyback Yield / Dilution	0.41%	-0.83%	-0.28%	0.82%	4.46%	6.16%
Total Shareholder Return	2.46%	1.49%	2.58%	3.24%	6.81%	8.75%

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