Hanover Insurance Group Inc Financial Ratios — AF4 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	1.48	2.2	9.67	10.37	11.66	5.44	6.36	13.14	14.48	11.73	13.32	4.23	1.47	16.05	20.66
Return on Assets (%)	0.35	0.43	1.87	2.08	2.41	1.11	1.25	2.81	3.42	2.77	3.05	0.82	0.25	2.85	4.11
Return on Capital (%)	- -	- -	8.63	9.14	10.2	- -	5.91	11.42	12.49	10.3	11.38	4.08	1.98	13.18	16.55
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	0.55	0.63	6.87	7.46	8.73	1.63	6.86	6.29	10.72	9.25	10.1	2.65	0.69	8.65	12.85
Profit Margin (%)	0.93	1.22	5.24	5.56	6.59	3.83	4.36	8.7	8.73	7.46	8.19	2.14	0.59	6.85	10.09
Net Income to Common Margin (%)	0.93	1.22	5.24	5.56	6.59	3.83	4.36	8.7	8.73	7.46	8.19	2.14	0.59	6.85	10.09
Effective Tax Rate (%)	- -	- -	25.34	25.32	24.72	- -	26.22	15.4	17.83	18.62	19.43	18.89	18.49	20.92	21.7
Dvd Payout Ratio (%)	161.59	119.52	24.42	23.73	22.43	120	40.17	39.46	90.02	27.49	24.33	93.24	349.85	29.18	19.77
Sustainable Growth Rate (%)	-0.91	-0.43	7.31	7.91	9.04	-1.09	3.81	7.95	1.44	8.5	10.08	0.29	-3.68	11.37	16.58

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	911	849	904	904	803	786	787	778	653	781	782	782	783	784	1,218
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	62	- -
LT Debt	911	849	904	904	803	786	787	778	653	781	782	782	783	722	1,218
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	55	62	65	66	61	51	45	45	38	37	34	34	34	34	43
Common Equity/Total Assets	19.72	19.25	19.39	20.67	20.64	20.09	19.38	23.83	23.35	23.82	22.06	16.68	16.87	18.6	21.08
Long-Term Debt/Equity (%)	36.68	32.73	34.84	31.77	28.23	27.52	26.25	26.33	22.41	24.38	24.85	33.53	31.77	25.42	34.11
Long-Term Debt/Capital (%)	26.84	24.66	25.84	24.11	22.02	21.58	20.79	20.84	18.3	19.6	19.91	25.11	24.11	19.92	25.44
Long-Term Debt/Total Assets (%)	7.23	6.3	6.76	6.57	5.83	5.53	5.09	6.27	5.23	5.81	5.48	5.59	5.36	4.73	7.19
Total Debt/Equity (%)	36.68	32.73	34.84	31.77	28.23	27.52	26.25	26.33	22.41	24.38	24.85	33.53	31.77	27.59	34.11
Total Debt/Capital (%)	26.84	24.66	25.84	24.11	22.02	21.58	20.79	20.84	18.3	19.6	19.91	25.11	24.11	21.62	25.44
Total Debt/Total Assets (%)	7.23	6.3	6.76	6.57	5.83	5.53	5.09	6.27	5.23	5.81	5.48	5.59	5.36	5.13	7.19
Net Debt to Equity	3.65	10.97	16.1	18.64	16.32	17.63	16.31	-8.22	15.01	20.62	17.51	20.46	18.94	12.27	2.68
Net Debt/Capital (%)	3.52	9.88	13.87	15.71	14.03	14.99	14.02	-8.95	13.05	17.09	14.9	16.98	15.93	10.93	2.61
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	19.72	19.25	19.39	20.67	20.64	20.09	19.38	23.83	23.35	23.82	22.06	16.68	16.87	18.6	21.08
Long-Term Debt/Equity (%)	36.68	32.73	34.84	31.77	28.23	27.52	26.25	26.33	22.41	24.38	24.85	33.53	31.77	25.42	34.11
Long-Term Debt/Capital (%)	26.84	24.66	25.84	24.11	22.02	21.58	20.79	20.84	18.3	19.6	19.91	25.11	24.11	19.92	25.44
Long-Term Debt/Total Assets (%)	7.23	6.3	6.76	6.57	5.83	5.53	5.09	6.27	5.23	5.81	5.48	5.59	5.36	4.73	7.19
Total Debt/Equity (%)	36.68	32.73	34.84	31.77	28.23	27.52	26.25	26.33	22.41	24.38	24.85	33.53	31.77	27.59	34.11
Total Debt/Capital (%)	26.84	24.66	25.84	24.11	22.02	21.58	20.79	20.84	18.3	19.6	19.91	25.11	24.11	21.62	25.44
Total Debt/Total Assets (%)	7.23	6.3	6.76	6.57	5.83	5.53	5.09	6.27	5.23	5.81	5.48	5.59	5.36	5.13	7.19
CFO/Total Liabilities	2.19	3.75	3.56	5.17	4.07	6.54	5.65	5.84	6.3	6.91	7.41	6.19	2.98	6.49	8.81
CFO/CapEx	0.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	1.87	1.27	1.29	1.39	1.32	1	1.26	1.62	1.65	1.53	1.57	1.57	1.63	1.65	1.71
Days Sales Outstanding	195.07	286.98	283.56	262.49	277.55	363.6	289.54	225.23	221.04	238.67	233.11	233.22	224.25	221.84	213.08
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	820	565	486	373	339	283	298	1,021	216	121	231	305	316	436	1,123
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	911	849	904	904	803	786	787	778	653	781	782	782	783	784	1,218
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	3,395	3,445	3,498	3,748	3,648	3,644	3,785	3,733	3,570	3,983	3,927	3,116	3,249	3,626	4,790
Total Debt/Capital (%)	26.84	24.66	25.84	24.11	22.02	21.58	20.79	20.84	18.3	19.6	19.91	25.11	24.11	21.62	25.44
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	3,932	4,591	4,794	5,068	5,034	4,054	4,268	4,494	4,871	4,808	5,160	5,433	5,964	6,217	6,567
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	433	614	490	- -	738	589	634	738	851	750	389	833	1,212
TTM Free Cash Flow to Firm	- -	- -	433	614	490	- -	738	589	634	738	851	750	389	833	1,212

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	45	44	44	44	43	42	43	42	38	36	36	36	36	36	35
Diluted Weighted Avg Shares	46	45	45	45	45	43	43	43	41	38	36	36	36	36	37
Basic Weighted Avg Shares	45	44	44	44	43	43	43	42	38	38	36	36	36	36	36
Revenue per Share	88.15	103.63	109.7	115.44	117.07	94.72	100.42	106.25	126.85	127.54	145.34	150.5	167.04	173.17	183.44
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.82	1.26	5.74	6.42	7.71	3.62	4.38	9.24	11.07	9.51	11.91	3.21	0.99	11.87	18.51
Basic EPS from Cont Ops	0.71	1.04	5.62	6.43	7.69	1.57	5.08	5.65	11.17	9.6	11.83	3.24	0.94	11.85	18.46
Diluted EPS, GAAP	0.8	1.23	5.59	6.28	7.4	3.59	4.33	9.09	10.47	9.41	11.62	3.21	0.98	11.7	18.15
Diluted EPS from Cont Ops	0.69	1.02	5.47	6.29	7.38	1.55	5.03	5.56	10.57	9.5	11.54	3.24	0.93	11.68	18.1
Dividend per Share	1.14	1.24	1.37	1.53	1.73	1.88	2.04	2.23	10.06	2.64	2.88	3.02	3.28	3.46	3.65
Cash Flow per Share	4.97	9.21	8.78	12.86	10.34	17.37	16.58	13.03	15.7	18.77	23.2	20.01	10.13	22.46	32.91
Free Cash Flow per Basic Share	-33.25	9.21	8.78	12.86	10.34	17.37	16.58	13.03	15.7	18.77	23.2	20.01	10.13	22.46	32.91
Cash & Equivalents per Share	159.31	169.68	170.64	176.57	170.28	179.57	142.29	169.79	179.76	208.2	224.08	218.73	231.88	56.35	84.66
Book Value per Share	55.7	58.59	59.37	64.78	66.15	67.39	70.53	69.85	75.94	88.01	88.59	65.55	68.87	79.16	100.91
Tangible Book Value per Share	51.54	54.41	55.14	60.58	61.82	63.04	66.33	65.62	71.29	83.1	83.55	60.53	63.88	74.18	95.86