The Hanover Insurance Group, Inc. (THG)

THG Ratios and Metrics

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

Year Ending	Current	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	4,837	4,342	4,806	4,663	4,257	5,384
Market Cap Growth	6.59%	-9.64%	3.05%	9.54%	-20.93%	8.91%
Enterprise Value	5,349	4,831	5,423	5,273	4,806	5,894
PE Ratio	30.24	123.92	42.12	11.30	12.41	13.06
PS Ratio	0.79	0.72	0.88	0.89	0.88	1.10
PB Ratio	1.91	1.76	2.06	1.48	1.33	1.85
P/FCF Ratio	12.34	12.41	6.82	5.72	6.15	9.08
P/OCF Ratio	12.01	12.01	6.65	5.66	6.02	8.88
EV/Sales Ratio	0.88	0.81	0.99	1.01	1.00	1.21
EV/EBITDA Ratio	21.86	59.27	28.39	9.22	9.49	10.14
EV/EBIT Ratio	22.30	-	-	-	-	-
EV/FCF Ratio	13.67	13.81	7.70	6.46	6.94	9.94
Debt / Equity Ratio	0.31	0.32	0.34	0.25	0.24	0.22
Debt / EBITDA Ratio	3.23	9.61	4.10	1.37	1.54	1.12
Debt / FCF Ratio	2.00	2.24	1.11	0.96	1.13	1.10
Quick Ratio	0.18	0.18	0.18	0.17	0.16	0.17
Current Ratio	0.37	0.37	0.37	0.37	0.37	0.39
Asset Turnover	0.43	0.42	0.39	0.38	0.37	0.39
Return on Equity (ROE)	6.56%	1.40%	4.26%	13.23%	11.83%	14.61%
Return on Assets (ROA)	1.04%	0.33%	0.79%	2.51%	2.35%	2.81%
Return on Capital (ROIC)	4.59%	1.48%	3.16%	8.78%	8.08%	9.58%
Earnings Yield	3.37%	0.81%	2.41%	9.07%	8.43%	7.90%
FCF Yield	8.10%	8.06%	14.66%	17.49%	16.27%	11.01%
Dividend Yield	2.53%	2.70%	2.26%	2.17%	2.27%	1.79%
Payout Ratio	76.40%	332.01%	93.88%	24.17%	27.74%	22.96%
Buyback Yield / Dilution	-0.56%	-0.28%	0.82%	4.46%	6.16%	5.58%
Total Shareholder Return	1.97%	2.42%	3.09%	6.64%	8.42%	7.37%

Source: S&P Capital IQ. Insurance template.