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

FRA:AF4 Statistics

Total Valuation

FRA:AF4 has a market cap or net worth of EUR 5.69 billion. The enterprise value is 6.00 billion.

Market Cap	5.69B
Enterprise Value	6.00B

Important Dates

The next estimated earnings date is Thursday, February 5, 2026.

Earnings Date	Feb 5, 2026
Ex-Dividend Date	Sep 12, 2025

Share Statistics

Current Share Class	35.58M
Shares Outstanding	n/a
Shares Change (YoY)	-0.41%
Shares Change (QoQ)	-0.27%
Owned by Insiders (%)	0.84%
Owned by Institutions (%)	89.88%
Float	35.25M

Valuation Ratios

The trailing PE ratio is 10.57 and the forward PE ratio is 11.12.

PE Ratio	10.57
Forward PE	11.12
PS Ratio	1.03
PB Ratio	1.95
P/TBV Ratio	2.06
P/FCF Ratio	6.66
P/OCF Ratio	6.60
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.36, with an EV/FCF ratio of 7.03.

EV / Earnings	11.15
EV / Sales	1.07
EV / EBITDA	8.36
EV / EBIT	8.36
EV / FCF	7.03

Financial Position

The company has a current ratio of 0.40, with a Debt / Equity ratio of 0.37.

Current Ratio	0.40
Quick Ratio	0.23
Debt / Equity	0.37
Debt / EBITDA	1.53
Debt / FCF	1.28
Interest Coverage	22.44

Financial Efficiency

Return on equity (ROE) is 20.02% and return on invested capital (ROIC) is 12.47%.

Return on Equity (ROE)	20.02%
Return on Assets (ROA)	3.25%
Return on Invested Capital (ROIC)	12.47%
Return on Capital Employed (ROCE)	19.55%
Revenue Per Employee	1.13M
Profits Per Employee	109,912
Employee Count	4,900
Asset Turnover	0.40
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:AF4 has paid 141.91 million in taxes.

Income Tax	141.91M
Effective Tax Rate	20.88%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	151.60
200-Day Moving Average	148.07
Relative Strength Index (RSI)	60.43
Average Volume (20 Days)	3

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	3.04

Income Statement

In the last 12 months, FRA:AF4 had revenue of EUR 5.55 billion and earned 538.57 million in profits. Earnings per share was 14.76.

Revenue	5.55B
Gross Profit	1.31B
Operating Income	711.41M
Pretax Income	679.71M
Net Income	538.57M
EBITDA	711.86M
EBIT	711.41M
Earnings Per Share (EPS)	14.76

Balance Sheet

The company has 780.45 million in cash and 1.09 billion in debt, giving a net cash position of -310.32 million.

Cash & Cash Equivalents	780.45M
Total Debt	1.09B
Net Cash	-310.32M
Net Cash Per Share	n/a
Equity (Book Value)	2.92B
Book Value Per Share	81.80
Working Capital	-6.41B

Cash Flow

In the last 12 months, operating cash flow was 861.93 million and capital expenditures -8.10 million, giving a free cash flow of 853.83 million.

Operating Cash Flow	861.93M
Capital Expenditures	-8.10M
Free Cash Flow	853.83M
FCF Per Share	n/a

Margins

Gross margin is 23.63%, with operating and profit margins of 12.83% and 9.71%.

Gross Margin	23.63%
Operating Margin	12.83%
Pretax Margin	12.26%
Profit Margin	9.71%
EBITDA Margin	12.84%
EBIT Margin	12.83%
FCF Margin	15.40%

Dividends & Yields

This stock pays an annual dividend of 3.23, which amounts to a dividend yield of 2.05%.

Dividend Per Share	3.23
Dividend Yield	2.05%
Dividend Growth (YoY)	3.40%
Years of Dividend Growth	4
Payout Ratio	20.46%
Buyback Yield	0.41%
Shareholder Yield	2.46%
Earnings Yield	9.46%
FCF Yield	15.00%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5