The Hanover Insurance Group, Inc. (THG)

NYSE: THG · IEX Real-Time Price · USD
-2.56 (-2.06%)
Mar 23, 2023, 4:00 PM EDT - Market closed

Total Valuation

THG has a market cap or net worth of $4.33 billion. The enterprise value is $4.81 billion.

Market Cap 4.33B
Enterprise Value 4.81B

Important Dates

The next earnings date is Tuesday, May 2, 2023, after market close.

Estimated Earnings Date May 2, 2023
Ex-Dividend Date Mar 14, 2023

Share Statistics

THG has 35.60 million shares outstanding. The number of shares has decreased by -0.84% in one year.

Shares Outstanding 35.60M
Shares Change (YoY) -0.84%
Shares Change (QoQ) n/a
Owned by Insiders (%) 0.90%
Owned by Institutions (%) 88.35%
Float 35.23M

Valuation Ratios

The trailing PE ratio is 37.67 and the forward PE ratio is 14.39. THG's PEG ratio is -23.25.

PE Ratio 37.67
Forward PE 14.39
PS Ratio 0.79
Forward PS 0.74
PB Ratio 1.86
P/FCF Ratio 6.15
PEG Ratio -23.25
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 25.29, with an EV/FCF ratio of 6.83.

EV / Earnings 41.47
EV / Sales 0.88
EV / EBITDA 25.29
EV / EBIT 27.13
EV / FCF 6.83

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity 0.34
Debt / EBITDA 4.11
Debt / FCF 1.11

Financial Efficiency

Return on equity (ROE) is 4.60% and return on invested capital (ROIC) is 1.30%.

Return on Equity (ROE) 4.60%
Return on Assets (ROA) 0.80%
Return on Capital (ROIC) 1.30%
Revenue Per Employee $1.24M
Profits Per Employee $26,364
Employee Count 4,400
Asset Turnover 0.40
Inventory Turnover n/a


In the past 12 months, THG has paid $27.20 million in taxes.

Income Tax 27.20M
Effective Tax Rate 18.99%

Stock Price Statistics

The stock price has decreased by -16.71% in the last 52 weeks. The beta is 0.68, so THG's price volatility has been lower than the market average.

Beta (1Y) 0.68
52-Week Price Change -16.71%
50-Day Moving Average 135.31
200-Day Moving Average 137.21
Average Volume (30 Days) 168,844

Short Selling Information

The latest short interest is 505,816, so 1.42% of the outstanding shares have been sold short.

Short Interest 505,816
Short Previous Month 514,857
Short % of Shares Out 1.42%
Short % of Float 1.44%
Short Ratio (days to cover) 2.68

Income Statement

In the last 12 months, THG had revenue of $5.47 billion and earned $116.00 million in profits. Earnings per share was $3.23.

Revenue 5.47B
Gross Profit 752.00M
Operating Income 178.10M
Pretax Income 143.20M
Net Income 116.00M
EBITDA 190.20M
EBIT 177.30M
Earnings Per Share (EPS) $3.23
Full Income Statement

Balance Sheet

The company has $305.00 million in cash and $782.40 million in debt, giving a net cash position of -$477.40 million or -$13.41 per share.

Cash & Cash Equivalents 305.00M
Total Debt 782.40M
Net Cash -477.40M
Net Cash Per Share -$13.41
Equity / Book Value 2.33B
Book Value Per Share 65.32
Working Capital n/a
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $722.30 million and capital expenditures -$17.80 million, giving a free cash flow of $704.50 million.

Operating Cash Flow 722.30M
Capital Expenditures -17.80M
Free Cash Flow 704.50M
FCF Per Share $19.79
Full Cash Flow Statement


Gross margin is 13.75%, with operating and profit margins of 3.26% and 2.12%.

Gross Margin 13.75%
Operating Margin 3.26%
Pretax Margin 2.62%
Profit Margin 2.12%
EBITDA Margin 3.48%
EBIT Margin 3.24%
FCF Margin 12.88%

Dividends & Yields

This stock pays an annual dividend of $3.12, which amounts to a dividend yield of 2.56%.

Dividend Per Share $3.12
Dividend Yield 2.56%
Earnings Yield 2.68%
FCF Yield 16.26%
Dividend Growth (YoY) 7.59%
Payout Ratio 93.90%
Buyback Yield 0.84%
Shareholder Yield 3.40%
Dividend Details

Analyst Forecast

The average price target for THG is $159.29, which is 30.90% higher than the current price. The consensus rating is "Buy".

Price Target $159.29
Price Target Difference 30.90%
Analyst Consensus Buy
Analyst Count 11
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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