HANOVER INSURANCE GROUP, INC. THG

Latest FY: 2025 Financial Services Insurance - Property & Casualty
Market Price $223.72
Market Cap $7.83B
P/E Ratio 12.32
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑5.7% YoY
$6.59B
3-Yr CAGR: 6.4%
Net Income ↑55.5% YoY
$662.50M
Net Margin: 10.0%
Free Cash Flow ↑47.0% YoY
$1.17B
FCF Yield: 14.95%
EPS (Diluted) ↑55.2% YoY
$18.16
Basic: $18.50
Return on Equity Efficiency
18.5%
ROA: 3.9%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (THG)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $4,945.8M $1,926.2M $155.1M $3.59 $1.86 2.04% $737.6M $721.9M
FY 2017 $5,184.4M +4.8% $2,007.2M $186.2M +20.1% $4.33 +20.6% $2.02 1.87% $704.6M $686.0M -5.0%
FY 2018 $4,494.3M -13.3% $1,724.6M $391.0M +110.0% $9.09 +109.9% $2.19 1.88% $551.3M $538.2M -21.5%
FY 2019 $4,890.7M +8.8% $1,988.6M $425.1M +8.7% $10.46 +15.1% $9.51 6.96% $602.9M $589.6M +9.6%
FY 2020 $4,827.3M -1.3% $1,945.0M $358.7M -15.6% $9.42 -9.9% $2.61 2.23% $707.6M $692.7M +17.5%
FY 2021 $5,227.8M +8.3% $2,059.6M $418.7M +16.7% $11.49 +22.0% $2.81 2.14% $823.7M $815.7M +17.8%
FY 2022 $5,468.6M +4.6% $1,811.1M $116.0M -72.3% $3.21 -72.1% $3.02 2.23% $722.3M $704.5M -13.6%
FY 2023 $5,993.5M +9.6% $1,824.8M $35.3M -69.6% $0.98 -69.5% $3.25 2.67% $361.7M $349.8M -50.3%
FY 2024 $6,237.4M +4.1% $2,445.9M $426.0M +1,106.8% $11.70 +1,093.9% $3.41 2.20% $806.4M $796.2M +127.6%
FY 2025 $6,594.4M +5.7% $2,821.9M $662.5M +55.5% $18.16 +55.2% $3.58 1.96% $1,178.1M $1,170.4M +47.0%
$

Valuation

Market Price $223.72
Market Cap $7.83B
Enterprise Value $7.55B
P/E Ratio 12.32
P/B Ratio 2.19
FCF Yield 14.95%
Dividend Yield 1.60%
Shares Outstanding 34,986,800
%

Profitability & Margins

Gross Margin 42.79%
Operating Margin 14.15%
Net Margin 10.05%
Return on Equity (ROE) 18.55%
Return on Assets (ROA) 3.91%
Asset Turnover 0.39x
Revenue 3-Yr CAGR 6.44%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.236
Debt / Assets 0.050
Cash & Equivalents $1.12B
Total Debt $843.30M
Book Value / Share $102.08
💧

Cash Flow Efficiency

Operating Cash Flow $1.18B
Capital Expenditures (CapEx) $7.70M
Free Cash Flow $1.17B
OCF / Revenue 17.87%
FCF / Revenue 17.75%
FCF 3-Yr CAGR 18.44%
🏷️

Per Share Metrics

EPS (Diluted) $18.16
EPS (Basic) $18.50
Dividends / Share $3.58
Book Value / Share $102.08
EPS YoY Growth 55.21%
🏛️

Balance Sheet (FY 2025)

Total Assets $16.95B
Total Liabilities $13.37B
Stockholders' Equity $3.57B
Current Assets N/A
Current Liabilities N/A