The Hanover Insurance Group, Inc. (THG)

THG Ratios and Metrics

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

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jan 31, 2025	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	5,516	4,342	4,806	4,663	4,257	5,384
Market Cap Growth	34.31%	-9.64%	3.05%	9.54%	-20.93%	8.91%
Enterprise Value	5,873	4,831	5,423	5,273	4,806	5,894
PE Ratio	15.34	123.01	41.43	11.03	11.87	12.66
PS Ratio	0.89	0.72	0.88	0.89	0.88	1.10
PB Ratio	1.92	1.76	2.06	1.48	1.33	1.85
P/FCF Ratio	8.16	12.41	6.82	5.72	6.15	9.08
P/OCF Ratio	8.05	12.01	6.65	5.66	6.02	8.88
EV/Sales Ratio	0.95	0.81	0.99	1.01	1.00	1.21
EV/EBITDA Ratio	11.44	59.27	28.39	9.22	9.49	10.14
EV/EBIT Ratio	11.50	64.24	30.45	9.50	9.85	10.53
EV/FCF Ratio	8.69	13.81	7.70	6.46	6.94	9.94
Debt / Equity Ratio	0.27	0.32	0.34	0.25	0.24	0.22
Debt / EBITDA Ratio	1.53	9.61	4.10	1.37	1.54	1.12
Debt / FCF Ratio	1.16	2.24	1.11	0.96	1.13	1.10
Quick Ratio	0.20	0.18	0.18	0.17	0.16	0.17
Current Ratio	0.38	0.37	0.37	0.37	0.37	0.39
Asset Turnover	0.42	0.42	0.39	0.38	0.37	0.39
Return on Equity (ROE)	14.63%	1.40%	4.26%	13.23%	11.83%	14.61%
Return on Assets (ROA)	2.15%	0.33%	0.79%	2.51%	2.35%	2.81%
Return on Capital (ROIC)	9.73%	1.48%	3.16%	8.78%	8.08%	9.58%
Earnings Yield	6.63%	0.81%	2.41%	9.07%	8.43%	7.90%
Earnings Yield	6.63%	0.81%	2.41%	9.07%	8.43%	7.90%
FCF Yield	12.25%	8.06%	14.66%	17.49%	16.27%	11.01%
Dividend Yield	2.35%	2.77%	2.39%	2.34%	2.50%	2.02%
Payout Ratio	36.00%	332.01%	93.88%	24.17%	27.74%	22.96%
Buyback Yield / Dilution	-2.66%	-0.28%	0.82%	4.46%	6.16%	5.58%
Total Shareholder Return	-0.31%	2.49%	3.21%	6.81%	8.65%	7.60%

Source: S&P Capital IQ. Insurance template. Financial Sources.