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Overview
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Hanover Insurance Group stock

THG
US4108671052
A0ESNN

Price

160.48
Today +/-
-3.57
Today %
-2.33 %

Hanover Insurance Group stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Hanover Insurance Group stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Hanover Insurance Group stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Hanover Insurance Group stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Hanover Insurance Group's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Hanover Insurance Group Stock Price History

DateHanover Insurance Group Price
12/6/2024160.48 undefined
12/5/2024164.26 undefined
12/4/2024164.15 undefined
12/3/2024163.28 undefined
12/2/2024162.52 undefined
11/29/2024165.01 undefined
11/27/2024164.27 undefined
11/26/2024163.04 undefined
11/25/2024161.73 undefined
11/22/2024163.60 undefined
11/21/2024162.74 undefined
11/20/2024162.30 undefined
11/19/2024163.16 undefined
11/18/2024164.39 undefined
11/15/2024163.48 undefined
11/14/2024162.09 undefined
11/13/2024164.67 undefined
11/12/2024164.04 undefined
11/11/2024162.55 undefined
11/8/2024159.62 undefined
11/7/2024156.35 undefined

Hanover Insurance Group Revenue, EBIT, Net Income

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  • 5 years

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  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Hanover Insurance Group, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Hanover Insurance Group from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Hanover Insurance Group’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Hanover Insurance Group. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Hanover Insurance Group’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Hanover Insurance Group’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Hanover Insurance Group’s growth potential.

Hanover Insurance Group Revenue, EBIT and net profit per share

DateHanover Insurance Group RevenueHanover Insurance Group EBITHanover Insurance Group Net Income
2026e6.82 B undefined677.14 M undefined548.34 M undefined
2025e6.44 B undefined653.7 M undefined498.55 M undefined
2024e6.12 B undefined636.92 M undefined415.27 M undefined
20236.02 B undefined98.8 M undefined35.3 M undefined
20225.55 B undefined258.1 M undefined116 M undefined
20215.11 B undefined436.9 M undefined418.7 M undefined
20204.84 B undefined501 M undefined358.7 M undefined
20194.79 B undefined455.1 M undefined425.1 M undefined
20184.54 B undefined403.8 M undefined391 M undefined
20174.27 B undefined343.7 M undefined186.2 M undefined
20164.08 B undefined233.1 M undefined155.1 M undefined
20155.06 B undefined487.9 M undefined331.5 M undefined
20145.07 B undefined448.7 M undefined282 M undefined
20134.8 B undefined400.4 M undefined251 M undefined
20124.59 B undefined95.7 M undefined55.9 M undefined
20113.93 B undefined78.9 M undefined36.7 M undefined
20103.15 B undefined257.4 M undefined154.8 M undefined
20092.83 B undefined271.9 M undefined197.2 M undefined
20082.68 B undefined164.4 M undefined20.6 M undefined
20072.67 B undefined341.5 M undefined253.1 M undefined
20062.51 B undefined271 M undefined170.3 M undefined
20052.62 B undefined73.4 M undefined-325.2 M undefined
20042.72 B undefined153 M undefined125.3 M undefined

Hanover Insurance Group Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
19901991199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
3.033.163.193.253.213.253.293.013.033.243.183.313.322.832.722.622.512.672.682.833.153.934.594.85.075.064.084.274.544.794.845.115.556.026.126.446.82
-4.160.921.98-1.261.470.95-8.490.936.72-1.734.050.15-14.66-3.99-3.42-4.546.750.225.7511.2224.7116.764.555.71-0.26-19.354.706.305.371.135.568.598.451.755.115.94
24.8223.8323.6123.1523.4523.1122.8925.0224.7923.2223.6322.7122.6826.5727.6828.6630.0228.1228.0626.5323.8619.1316.3815.6714.8214.8618.4317.6016.5615.7115.5421.7313.5512.5012.2811.6911.03
00000000000000000000000000000001.110.750000
22549715738133181209201295199-3-30686125-32517025320197154365525128233115518639142535841811635415498548
-145.4579.6361.86-75.80250.0036.0915.47-3.8346.77-32.54-101.5110,100.00-128.1045.35-360.00-152.3148.82-92.09885.00-21.83-76.6252.78356.3612.3517.38-53.1720.00110.228.70-15.7616.76-72.25-69.831,085.7120.0010.04
-------------------------------------
-------------------------------------
37.437.437.450.150.150.150.154.860.355.55453.152.953.253.75452.252.451.751.146.345.845.344.944.944.843.2434340.638.136.436.136.1000
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Details

Keystats

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Revenue and Growth

The Hanover Insurance Group Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Hanover Insurance Group is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (B)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (B)CURRENT ASSETS (B)TANGIBLE ASSETS (M)LONG-T. INVEST. (B)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (k)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (B)PROVISIONS (M)OTHER SHORT-TERM LIAB. (B)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
1993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                             
0000000000000000000000000000230.93050
00000000000000000000000000001.471.60
0000000000000000000000000000000
0000000000000000000000000000000
00000000000000000000000000002.062.110
00000000000000000000000000003.764.010
139000000000000000000000000000000
10.19.489.438.998.79.067.899.410.338.818.198.276.015.864.74.274.724.976.727.487.598.257.958.459.047.2988.859.158.518.91
0000000000000000000000000000000
0000000000000000000000000000552604.80
00000000139131128128128121126170171179186185185185186185193179179179178.8178.8178.8
0.130.190.080.0700.020.140.10.170.410.380.420.470.390.32.060.360.310.40.40.360.240.220.20.120.210.10.110.110.280.26
10.379.679.519.068.79.088.039.510.639.358.78.816.66.375.136.495.255.467.38.068.138.688.368.839.357.688.289.149.999.589.35
10.379.679.519.068.79.088.039.510.639.358.78.816.66.375.136.495.255.467.38.068.138.688.368.839.357.688.289.1413.7613.599.35
                                                             
001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,000600600600
001.381.381.761.771.771.771.761.771.781.781.791.811.821.81.811.81.791.791.831.831.831.851.861.871.841.861.891.911.94
1.031.070.040.210.410.60.881.071.050.750.830.940.590.710.950.951.141.251.211.211.351.561.81.881.982.182.412.672.982.992.91
17-79153132218181-75-5-14-37163-60-40-20-38529137210326-82-95-274-123-98-89-63-56-62.7-701.5-54.4
00000000000000000000259301328186205-27216428184.90-462.8
1.050.991.581.732.382.552.582.832.82.482.632.732.322.492.752.372.983.183.213.333.363.63.693.793.943.944.44.94.994.214.33
00000000000000000000000000006.57.080
0000000000000000000000000000907.7731.70
0.50.590.60.620.670.720.80.770.931.121.221.151.060.930.630.620.60.540.640.780.640.70.730.730.720.910.630.690.910.730.78
41333138332214557830000000000000000000000
000000000000000000000000012500000
0.540.620.630.660.70.940.840.831.021.121.221.151.060.930.630.620.60.540.640.780.640.70.730.730.721.040.630.698.328.550.78
03202202202200200200200200500509509509512531434606911849904904803786787653653781781.6782.4783.2
181448013000000000000000000000529760.800
000.90.90.890.870.890.621.591.21.21.130.290.041.521.680.130.130.130.130.120.110.090.090.120.140.120.120.120.110.11
0.020.021.151.11.11.071.090.821.791.41.71.640.80.552.032.210.570.741.040.981.031.020.890.870.90.790.8210.960.890.9
0.560.641.791.761.812.011.931.652.812.522.922.791.871.482.672.831.171.281.681.751.661.711.621.61.621.831.451.699.289.441.67
1.611.633.363.494.194.564.514.485.655.555.524.183.965.425.24.154.464.895.085.025.315.315.395.565.775.856.5914.2813.646
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of Hanover Insurance Group provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Hanover Insurance Group's financial health and stability.

Assets

Hanover Insurance Group's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Hanover Insurance Group must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Hanover Insurance Group after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Hanover Insurance Group's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
19921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
9715738133181209201295199-3-30686125-32517025320197151365525128233115518639142535841811635
000574431213422232035383121181511162635353330303024211816126
-11-208-37-1513-16181-63-228-22-16588533150-9-35746853-1339-2312-2323-46-24
29828235-96-129-323-208-356-50574514-354-95-17-254-29356-134-155148336-2414312460422266113321337605305
54112507374-10439301441264259714662114812830332859522313695-185052496370
214433202119211916404040404040354055626664605347473733333333
64574690686613377-8-14-550017-14613647113-598562951571139774107-22
438278331131156-173372331865843-174142153246514222381223408384564438757761626606707823722361
-20-37-43-14-12-150-30-13-32-13-5-7-8-8-9-9-10-10-16-21-22-11-19-15-18-13-13-14-8-17-11
-0.42-0.210.33-0.130.420.12-0.620.79-0.9-1.011.470.350.040.810.1-0.070.19-0.17-0.10.18-0.56-0.36-0.6-0.17-0.5-0.510.27-0.31-0.61-0.46-0.51-0.23
-0.4-0.170.37-0.110.440.14-0.620.82-0.89-0.981.480.360.050.820.11-0.060.2-0.16-0.090.2-0.54-0.34-0.59-0.15-0.48-0.490.28-0.3-0.59-0.45-0.49-0.22
00000000000000000000000000000000
91-51957-5185-1761126-830000000169238-65280-114-1040-11-151120000
015602480299-71-242-8051048-15522-50-145-122-17-17-53-7-110-89-14-42-549-206-142-176
-140-2-410-235-68590898-905397417-1,424160-475-749-468-98-144-130-8127-133-105-71-294-300-111-171-1,099-193-253-140-122
-150-160-404-645-678-189794-472479399-1,342159-479-744-297-99-7153-7-424-2134-26-10-22-12-8-8-14-11
000-34-13-13-9-13-13-13000-13-15-20-23-37-47-50-55-60-67-74-80-86-94-386-99-102-108-117
-11967248-232-10437319-94-1836987340-291215-346-105187-81-26530-255-78-112-34-42150722-805-951107411
418.9240.8288.6117.1143.2-188.537.2-7.1304.3626.330.7-179.7134.6144.815.655.5133212.870.4207.3387.2361.1553.5418.9741.7742.8613.4592.9692.7815.7704.5349.8
00000000000000000000000000000000

Hanover Insurance Group stock margins

The Hanover Insurance Group margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Hanover Insurance Group. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Hanover Insurance Group.

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Gross margin
EBIT margin
Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Hanover Insurance Group's sales revenue. A higher gross margin percentage indicates that the Hanover Insurance Group retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Hanover Insurance Group's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Hanover Insurance Group's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Hanover Insurance Group's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Hanover Insurance Group. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Hanover Insurance Group's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Hanover Insurance Group Margin History

Hanover Insurance Group Gross marginHanover Insurance Group Profit marginHanover Insurance Group EBIT marginHanover Insurance Group Profit margin
2026e13.55 %9.93 %8.04 %
2025e13.55 %10.16 %7.75 %
2024e13.55 %10.4 %6.78 %
202313.55 %1.64 %0.59 %
202213.55 %4.65 %2.09 %
202121.74 %8.55 %8.19 %
202013.55 %10.35 %7.41 %
201913.55 %9.51 %8.88 %
201813.55 %8.89 %8.61 %
201713.55 %8.04 %4.36 %
201613.55 %5.71 %3.8 %
201513.55 %9.64 %6.55 %
201413.55 %8.84 %5.56 %
201313.55 %8.34 %5.23 %
201213.55 %2.08 %1.22 %
201113.55 %2.01 %0.93 %
201013.55 %8.17 %4.91 %
200913.55 %9.59 %6.96 %
200813.55 %6.13 %0.77 %
200713.55 %12.77 %9.46 %
200613.55 %10.82 %6.8 %
200513.55 %2.8 %-12.39 %
200413.55 %5.63 %4.61 %

Hanover Insurance Group Stock Sales Revenue, EBIT, Earnings per Share

The Hanover Insurance Group earnings per share therefore indicates how much revenue Hanover Insurance Group has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Hanover Insurance Group earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Hanover Insurance Group's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Hanover Insurance Group’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Hanover Insurance Group's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Hanover Insurance Group Revenue, EBIT and net profit per share

DateHanover Insurance Group Sales per ShareHanover Insurance Group EBIT per shareHanover Insurance Group Earnings per Share
2026e189.2 undefined0 undefined15.22 undefined
2025e178.63 undefined0 undefined13.84 undefined
2024e169.91 undefined0 undefined11.53 undefined
2023166.68 undefined2.74 undefined0.98 undefined
2022153.7 undefined7.15 undefined3.21 undefined
2021140.37 undefined12 undefined11.5 undefined
2020127.04 undefined13.15 undefined9.41 undefined
2019117.89 undefined11.21 undefined10.47 undefined
2018105.63 undefined9.39 undefined9.09 undefined
201799.38 undefined7.99 undefined4.33 undefined
201694.47 undefined5.4 undefined3.59 undefined
2015112.96 undefined10.89 undefined7.4 undefined
2014112.99 undefined9.99 undefined6.28 undefined
2013106.9 undefined8.92 undefined5.59 undefined
2012101.34 undefined2.11 undefined1.23 undefined
201185.84 undefined1.72 undefined0.8 undefined
201068.08 undefined5.56 undefined3.34 undefined
200955.46 undefined5.32 undefined3.86 undefined
200851.85 undefined3.18 undefined0.4 undefined
200751.03 undefined6.52 undefined4.83 undefined
200648 undefined5.19 undefined3.26 undefined
200548.6 undefined1.36 undefined-6.02 undefined
200450.6 undefined2.85 undefined2.33 undefined

Hanover Insurance Group business model

Hanover Insurance Group Inc is an American company that operates in the insurance and financial services sector. Founded in 1852 in the city of Hanover, New Hampshire, the company has become one of the largest insurance providers in the US and is listed on the New York Stock Exchange. The company's business model combines traditional insurance solutions with modern technologies to provide customers with an optimal customer experience. They offer insurance in various sectors such as automotive, home, life, and leisure industries. Through their wide coverage in different sectors, Hanover Insurance Group Inc is able to offer a variety of products tailored to the specific needs of their customers. They have also developed innovative solutions, such as the Hanover Digital Advantage program, which allows customers to easily and quickly submit insurance applications. The company's digital platform provides various tools and resources to help customers manage their insurance and process claims quickly and easily. They also offer specialized insurance products for small and medium-sized businesses, including cyber security insurance, unemployment insurance, and business content insurance. These insurance options help businesses safeguard against a variety of risks and ensure they remain financially protected in case of damages. Additionally, Hanover Insurance Group Inc places a strong emphasis on building close relationships with their customers, offering personalized advice and support to ensure they receive the best insurance solutions. The company takes pride in its excellent customer service skills and has received multiple awards for it. Furthermore, Hanover Insurance Group Inc has successfully expanded internationally through the establishment of its subsidiary, Hanover Insurance International Holdings Ltd, which offers insurance products in Europe, Asia, and Latin America. In summary, Hanover Insurance Group Inc is a leading American insurance provider offering a wide range of insurance solutions for individuals and businesses. Their innovative business model, combining traditional expertise with modern technologies and personalized advice, has established them as one of the leading providers in the US market. Hanover Insurance Group is one of the most popular companies on Eulerpool.com.

Hanover Insurance Group SWOT Analysis

Strengths

1. Strong financial position: Hanover Insurance Group Inc has a solid financial standing, enabling it to withstand market uncertainties and invest in growth opportunities.

2. Diverse insurance portfolio: The company offers a wide range of insurance products and services, including property, casualty, and specialty lines, catering to various customer needs.

3. Established brand reputation: Hanover Insurance Group Inc has built a strong brand reputation over the years, known for its quality service, reliability, and customer-centric approach.

4. Robust distribution network: The company has a well-established distribution network, including agency partnerships and digital platforms, allowing it to reach a large customer base effectively.

Weaknesses

1. Limited global presence: Hanover Insurance Group Inc primarily operates in the United States, which limits its exposure to international markets and potential growth opportunities.

2. Dependence on external partners: The company relies heavily on independent agents for sales and distribution, which could create challenges in terms of control over customer experience and market reach.

3. Vulnerability to catastrophic events: As an insurance company, Hanover Insurance Group Inc is exposed to risks associated with catastrophic events, such as natural disasters, which could impact its financial performance.

Opportunities

1. Technological advancements: Embracing emerging technologies, such as data analytics, artificial intelligence, and digital platforms, can enhance Hanover Insurance Group Inc's operational efficiency, risk assessment, and customer experience.

2. Strategic partnerships: Collaborating with other industry players or entering into strategic alliances can help Hanover Insurance Group Inc expand its market reach, offer innovative solutions, and tap into new customer segments.

3. Growing demand for specialty insurance: The increasing need for specialized insurance coverage, such as cybersecurity, climate-related risks, and niche industries, presents an opportunity for Hanover Insurance Group Inc to develop tailored products and gain a competitive advantage.

Threats

1. Intense competition: The insurance industry is highly competitive, with numerous established players and new entrants. Hanover Insurance Group Inc may face challenges in maintaining market share and pricing power.

2. Regulatory and legal complexities: Compliance with evolving regulations, legal liabilities, and changes in government policies pose a significant threat to Hanover Insurance Group Inc's operations, potentially leading to increased costs and limitations.

3. Economic downturns: Economic recessions and downturns can impact the demand for insurance products and investments, affecting the growth and profitability of Hanover Insurance Group Inc.

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Hanover Insurance Group Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Hanover Insurance Group historical P/E ratio, EBIT multiple, and P/S ratio

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Hanover Insurance Group shares outstanding

The number of shares was Hanover Insurance Group in 2023 — This indicates how many shares 36.1 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Hanover Insurance Group earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Hanover Insurance Group's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Hanover Insurance Group’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Hanover Insurance Group's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Hanover Insurance Group dividend history and estimates

In 2023, Hanover Insurance Group paid a dividend amounting to 3.28 USD. Dividend means that Hanover Insurance Group distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for Hanover Insurance Group provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Hanover Insurance Group’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Hanover Insurance Group's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Hanover Insurance Group Dividend History

DateHanover Insurance Group Dividend
2026e3.35 undefined
2025e3.33 undefined
2024e3.35 undefined
20233.28 undefined
20223.06 undefined
20212.85 undefined
20202.65 undefined
20197.2 undefined
20182.22 undefined
20172.04 undefined
20161.88 undefined
20151.69 undefined
20141.52 undefined
20131.36 undefined
20121.23 undefined
20111.13 undefined
20101 undefined
20090.75 undefined
20080.45 undefined
20070.4 undefined
20060.3 undefined
20050.25 undefined

Hanover Insurance Group dividend payout ratio

In 2023, Hanover Insurance Group had a payout ratio of 49.42%. The payout ratio indicates the percentage of the company's profits that Hanover Insurance Group distributes as dividends.

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Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Hanover Insurance Group represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Hanover Insurance Group could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Hanover Insurance Group's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Hanover Insurance Group Payout Ratio History

DateHanover Insurance Group Payout ratio
2026e57.67 %
2025e67.09 %
2024e56.51 %
202349.42 %
202295.33 %
202124.78 %
202028.16 %
201968.77 %
201824.42 %
201747.11 %
201652.37 %
201522.9 %
201424.17 %
201324.33 %
2012100 %
2011140.63 %
201029.94 %
200919.48 %
2008115.38 %
20078.28 %
20069.2 %
2005-4.15 %
200449.42 %
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Unfortunately, there are currently no price targets and forecasts available for Hanover Insurance Group.

Hanover Insurance Group latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20242.56 3.05  (19.17 %)2024 Q3
6/30/20241.87 1.88  (0.55 %)2024 Q2
3/31/20242.73 3.08  (12.65 %)2024 Q1
12/31/20232.75 3.13  (13.67 %)2023 Q4
9/30/20230.19 0.19  (-0.99 %)2023 Q3
6/30/2023-0.92 -1.91  (-106.51 %)2023 Q2
3/31/20230.41 0.13  (-68.16 %)2023 Q1
12/31/2022-1.06 -1.05  (0.88 %)2022 Q4
9/30/20220.98 0.99  (0.53 %)2022 Q3
6/30/20222.19 2.32  (6.18 %)2022 Q2
1
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11

Eulerpool ESG Scorecard© for the Hanover Insurance Group stock

Eulerpool World ESG Rating (EESG©)

79/ 100

🌱 Environment

93

👫 Social

88

🏛️ Governance

57

Environment

Scope 1 - Direct Emissions
1,695
Scope 2 - Indirect emissions from purchased energy
851
Scope 3 - Indirect emissions within the value chain
5,204
Total CO₂ emissions
2,546
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees59.1
Percentage of women in management
Percentage of Asian employees3
Share of Asian management
Percentage of Hispanic/Latino employees3.9
Hispano/Latino Management share
Percentage of Black employees5.3
Black Management Share
Percentage of white employees87.1
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Hanover Insurance Group shareholders

%
Name
Stocks
Change
Date
9.92547 % The Vanguard Group, Inc.3,576,148-5,0136/30/2024
8.42035 % BlackRock Institutional Trust Company, N.A.3,033,85340,0876/30/2024
3.93728 % T. Rowe Price Investment Management, Inc.1,418,601-28,2686/30/2024
3.72260 % MFS Investment Management1,341,25370,1616/30/2024
3.43026 % State Street Global Advisors (US)1,235,92110,6086/30/2024
2.76717 % Allspring Global Investments, LLC997,0114,7179/30/2024
2.70594 % T. Rowe Price Associates, Inc.974,95064,8826/30/2024
2.66356 % Franklin Mutual Advisers, LLC959,682-156,1036/30/2024
2.51988 % Victory Capital Management Inc.907,912-161,8346/30/2024
2.22601 % American Century Investment Management, Inc.802,03333,2496/30/2024
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5
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Hanover Insurance Group Executives and Management Board

Mr. John Roche

(59)
Hanover Insurance Group President, Chief Executive Officer, Director (since 2006)
Compensation 6.83 M

Mr. Jeffrey Farber

(58)
Hanover Insurance Group Chief Financial Officer, Executive Vice President
Compensation 3.24 M

Mr. Richard Lavey

(55)
Hanover Insurance Group Executive Vice President, President - Hanover Agency Markets
Compensation 2.17 M

Mr. Bryan Salvatore

(58)
Hanover Insurance Group Executive Vice President, President - Specialty
Compensation 2 M

Mr. Dennis Kerrigan

(58)
Hanover Insurance Group Executive Vice President, General Counsel, Assistant Secretary
Compensation 1.53 M
1
2
3
4
...
5

Hanover Insurance Group Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
BlackRock Stock
BlackRock
SupplierCustomer0,980,66-0,18-0,83-0,710,72
Berkshire Hathaway B Stock
Berkshire Hathaway B
SupplierCustomer0,900,790,800,930,750,93
Markel Stock
Markel
SupplierCustomer0,800,820,920,860,700,89
Ceridin HCM Hldg Rg Stock
Ceridin HCM Hldg Rg
SupplierCustomer0,450,50-0,48-0,86-0,740,02
Muenchener Rueckversicher Stock
Muenchener Rueckversicher
SupplierCustomer0,420,64-0,30-0,39-0,200,43
EXOR Stock
EXOR
SupplierCustomer0,210,540,10-0,73-0,600,77
Hannover Rueck Stock
Hannover Rueck
SupplierCustomer-0,080,20-0,56-0,52-0,260,48
Axis Capital Holdings Stock
Axis Capital Holdings
SupplierCustomer-0,10 0,660,770,600,83
Alleghany Stock
Alleghany
SupplierCustomer-0,100,150,910,810,770,90
Swiss Re Stock
Swiss Re
SupplierCustomer-0,320,35-0,28-0,30-0,090,70
1

Most common questions regarding Hanover Insurance Group

What values and corporate philosophy does Hanover Insurance Group represent?

Hanover Insurance Group Inc represents a strong commitment to its values and corporate philosophy. With a focus on integrity, innovation, collaboration, and accountability, the company strives to provide exceptional service to its policyholders, agents, and employees. Hanover Insurance Group Inc believes in delivering superior products and solutions, tailored to meet the unique needs of its customers. The company aims to build long-term relationships based on trust and reliability. Hanover Insurance Group Inc's dedication to professional growth, social responsibility, and financial strength continues to drive its success in the insurance industry.

In which countries and regions is Hanover Insurance Group primarily present?

Hanover Insurance Group Inc is primarily present in the United States. With its headquarters in Worcester, Massachusetts, the company operates and serves customers nationwide. Hanover Insurance Group Inc provides a wide range of property and casualty insurance products and services to individuals, businesses, and other organizations across various industries. As a leading insurance provider, Hanover Insurance Group Inc has built a strong presence and reputation within the US market, offering tailored solutions to meet the unique needs of its customers.

What significant milestones has the company Hanover Insurance Group achieved?

Hanover Insurance Group Inc has achieved several significant milestones throughout its history. Established in 1852, the company has a rich legacy. One milestone worth mentioning is the expansion of its commercial lines insurance business, which has helped Hanover become a leading provider of property and casualty insurance products and services. Additionally, the company has demonstrated strong financial performance and a commitment to innovation. Hanover Insurance Group Inc has also received various industry recognitions, highlighting its excellence in service and customer satisfaction. These milestones showcase the company's growth and success in the insurance industry.

What is the history and background of the company Hanover Insurance Group?

Hanover Insurance Group Inc, founded in 1852, is an insurance company headquartered in Worcester, Massachusetts. With a rich history spanning over 160 years, Hanover Insurance Group has established itself as a renowned provider of property and casualty insurance products and services. The company has evolved from a small mutual fire insurance firm to a leading publicly traded organization. Hanover Insurance Group Inc offers a comprehensive range of insurance solutions, including commercial, personal, and specialty lines. Through continuous innovation, financial strength, and exceptional customer service, Hanover Insurance Group Inc has established itself as a trusted and reliable name in the insurance industry.

Who are the main competitors of Hanover Insurance Group in the market?

The main competitors of Hanover Insurance Group Inc in the market are big names in the insurance industry, including The Travelers Companies Inc, Chubb Limited, and The Hartford Financial Services Group Inc. These companies compete with Hanover Insurance Group Inc in providing a wide range of insurance products and services, such as property and casualty insurance, commercial insurance, and personal insurance. Hanover Insurance Group Inc strives to stay competitive and differentiate itself by offering innovative solutions, exceptional customer service, and a strong presence in both personal and commercial lines of insurance.

In which industries is Hanover Insurance Group primarily active?

Hanover Insurance Group Inc is primarily active in the insurance industry.

What is the business model of Hanover Insurance Group?

The business model of Hanover Insurance Group Inc revolves around providing a diverse range of insurance products and services. As a leading property and casualty insurance provider, Hanover offers solutions for personal, commercial, and specialty lines of insurance. The company focuses on delivering tailored coverage options that meet the unique needs of its customers. With a commitment to customer satisfaction, Hanover Insurance Group Inc strives to protect individuals, businesses, and organizations against potential risks and liabilities. Through its comprehensive offerings and dedication to excellence, Hanover Insurance Group Inc aims to build trust and provide reliable insurance solutions to its clients.

What is the P/E ratio of Hanover Insurance Group 2024?

The Hanover Insurance Group P/E ratio is 13.95.

What is the P/S ratio of Hanover Insurance Group 2024?

The Hanover Insurance Group P/S ratio is 0.95.

What is the Quality Investing of Hanover Insurance Group?

The Quality Investing for Hanover Insurance Group is 2/10.

What is the revenue of Hanover Insurance Group 2024?

The expected Hanover Insurance Group revenue is 6.12 B USD.

How high is the profit of Hanover Insurance Group 2024?

The expected Hanover Insurance Group profit is 415.27 M USD.

What is the business model of Hanover Insurance Group

The Hanover Insurance Group Inc. is a leading provider of insurance products and services for personal and commercial customers in the USA. The company was founded in 1852 and is headquartered in Worcester, Massachusetts. The Hanover Insurance Group offers a wide range of insurance products for personal customers, including auto, home, rental, and contents insurance. For commercial customers, the company offers a range of insurances, such as property and liability, workers' compensation, professional liability, cyber risks, and more. The Hanover Specialty Industrial (HSI) division provides tailored insurance solutions for various industries, such as transportation, logistics, construction, energy, and technology. This division specializes in risks arising from challenging business conditions or complex risks. The Hanover Professional division offers specialized insurance products for lawyers, architects, engineers, accountants, and other professional groups. These products are designed to address the unique risks of these industries and provide support for liability claims coverage. In addition to its insurance products, the Hanover Insurance Group also offers a variety of services to assist customers in risk management and claims handling. These include risk consulting, training, and education for businesses and the public sector. The business model of the Hanover Insurance Group is based on providing high-quality insurance products and services tailored to the specific risks and needs of customers. By utilizing modern technology to ensure seamless customer service and efficient claims handling, the company has established a strong presence in the market. The Hanover Insurance Group has a dedicated team of insurance professionals focused on understanding customer needs and supporting them with reliable and cost-effective insurance solutions. These professionals have extensive experience and skills to assist customers in dealing with complex risks and challenges. Overall, the Hanover Insurance Group is a leading company in the American insurance industry that has defined the market through innovative thinking, customer-centric service, and customized insurance solutions. By providing a wide range of insurance products and services, customers can minimize risks and protect their businesses optimally.

What is the Hanover Insurance Group dividend?

Hanover Insurance Group pays a dividend of 3.06 USD distributed over payouts per year.

How often does Hanover Insurance Group pay dividends?

The dividend cannot currently be calculated for Hanover Insurance Group or the company does not pay out a dividend.

What is the Hanover Insurance Group ISIN?

The ISIN of Hanover Insurance Group is US4108671052.

What is the Hanover Insurance Group WKN?

The WKN of Hanover Insurance Group is A0ESNN.

What is the Hanover Insurance Group ticker?

The ticker of Hanover Insurance Group is THG.

How much dividend does Hanover Insurance Group pay?

Over the past 12 months, Hanover Insurance Group paid a dividend of 3.28 USD . This corresponds to a dividend yield of about 2.04 %. For the coming 12 months, Hanover Insurance Group is expected to pay a dividend of 3.33 USD.

What is the dividend yield of Hanover Insurance Group?

The current dividend yield of Hanover Insurance Group is 2.04 %.

When does Hanover Insurance Group pay dividends?

Hanover Insurance Group pays a quarterly dividend. This is distributed in the months of April, July, October, January.

How secure is the dividend of Hanover Insurance Group?

Hanover Insurance Group paid dividends every year for the past 22 years.

What is the dividend of Hanover Insurance Group?

For the upcoming 12 months, dividends amounting to 3.33 USD are expected. This corresponds to a dividend yield of 2.03 %.

In which sector is Hanover Insurance Group located?

Hanover Insurance Group is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Hanover Insurance Group kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Hanover Insurance Group from 12/27/2024 amounting to 0.9 USD, you needed to have the stock in your portfolio before the ex-date on 12/13/2024.

When did Hanover Insurance Group pay the last dividend?

The last dividend was paid out on 12/27/2024.

What was the dividend of Hanover Insurance Group in the year 2023?

In the year 2023, Hanover Insurance Group distributed 3.06 USD as dividends.

In which currency does Hanover Insurance Group pay out the dividend?

The dividends of Hanover Insurance Group are distributed in USD.

All fundamentals about Hanover Insurance Group

Our stock analysis for Hanover Insurance Group Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Hanover Insurance Group Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.