The Hanover Insurance Group, Inc. (THG)
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 |
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 |
Taxes
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 |
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 |
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 |
Margins
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% |
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 Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |