NYSE: THG - The Hanover Insurance Group, Inc.

Yield per half year: +21.83%
Dividend yield: +2.44%
Sector: Financials

Reporting The Hanover Insurance Group, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Капитализация, млрд $
2.8 3.36 3.55 4.01 5.01 5.01 3.97 4.73 4.99 4.36
Выручка, млрд $
5.03 4.95 5.18 4.49 4.89 4.83 5.23 5.47 5.99 5.99
Чистая прибыль, млрд $
0.3315 0.1551 0.1862 0.391 0.4251 0.3587 0.4187 0.116 0.0353 0.0353
EV, млрд $
4.64 4.85 5.21 4.72 5.98 5.11 5.32 5.44 4.86 4.86
EBIT, млрд $
0.5002 0.2462 0.3332 0.4796 0.5182 0.4415 0.52 0.1652 0.0689 -0.0045
EBITDA, млрд $
0.5304 0.2769 0.3633 0.5042 0.5398 0.4597 0.5369 0.1781 0.0752 0.0018
Баланс стоимость, млрд $
2.84 2.86 3 2.95 2.92 3.2 3.14 2.33 2.47 2.47
FCF, млрд $
0.4189 0.7219 0.686 0.5382 0.5896 0.6927 0.8157 0.7045 0.3498 0.3498
Операционный денежный поток, млрд $
0.4384 0.7376 0.7046 0.5513 0.6029 0.7076 0.8237 0.7223 0.3617 0.3617
Операционная прибыль, млрд $
0.5002 0.2462 0.3332 0.4796 0.5182 0.4415 0.52 0.1773 0.048 0.0018
Операционные расходы, млрд $
-4.53 -4.7 -4.85 -4.01 -4.37 -4.39 -4.71 0.5739 5.96 1.78
CAPEX, млрд $
0.0195 0.0157 0.0186 0.0131 0.0133 0.0149 0.008 0.0178 0.0119 0.0119


Balance sheet

IFRS
Reporting Annual Quarterly
1998 1999 2000 2001 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Наличность, млрд $
0.3388 0.2826 0.3764 1.02 0.2157 0.1206 0.2309 0.305 0.3161 0.3161
Short Term Investments $
6.98 7.33 7.78 6.16 6.69 7.45 0.7674 0.7861 0.4686 0.4686
Long term investments $
8.32 8.02 7.92 8.36 6.63 8.05 8.9 9.2 8.56 8.12
Total Receivables $
4.03 4.05 4.62 2.83 3.07 3.21 3.38 1.6 1.71 3.76
Total Current Assets $
1.73 1.72 1.94 10.01 3.29 3.33 3.61 2.69 2.02 2.55
Активы, млрд $
13.79 14.22 15.47 12.4 12.49 13.44 14.25 14 14.61 12.69
Short Term Debt $
0.2213 0.045 0.0566 0.0833 0.9035 0.8031 0.7864 0.7869 0.78 0.781
Long Term Debt $
0.8128 0.7864 0.7869 0.7779 0.6534 0.7808 0.7816 0.7824 0.7832 0.7832
Задолженность, млрд $
10.95 11.36 12.47 9.45 9.57 10.24 11.11 11.67 12.15 10.23
Чистый долг, млрд $
0.474 0.5038 0.4105 -0.2428 0.4377 0.6602 0.5507 0.4774 0.4671 0.4671
Долг, млрд $
1.62 1.57 1.57 0.7779 0.6534 0.7808 0.7816 0.7824 0.7832 0.7832
Interest income $
0.0601 0.0514 0.0452 0.0451 0.0375 0.0237 0.0851 0.0974
Расходы на обслуживание долга $
0.0601 0.0549 0.0485 0.0451 0.0375 0.0371 0.034 0.0341 0.0341 0.0341
Чист. проц. доходы, млрд $
-0.0549 -0.0485 0.0451 0.0375 0.0237 0.0851 0.0974 -0.0341 0.0974
Goodwill $
0.1846 0.186 0.1848 0.1926 0.1788 0.1788 0.1788 0.1788 0.1788 0.1788
Амортизация, млрд $
0.0302 0.0307 0.0301 0.0246 0.0216 0.0182 0.0169 0.0129 0.0063 0.0063
Себестоимость, млрд $
4.46 4.33 4.58 3.92 3.35 3.42 3.62 3.79 -0.018 -0.018
Товарно материальные запасы $
-4.77 -5.29 3.7 1.87 1.85 2.04 0.7861 7.03 7.03


Share

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
EPS 6.26 4.25 4.75 9.09 10.47 9.41 11.5 3.21 0.9778 0.9778
Цена акции ао 82.86 93.23 116.81 125.76 107.14 131 135.13 121.42 154.33 154.33
Число акций ао, млн 44.1 42.9 43 43 40.6 38.1 36.4 36.1 36.1 36.1
FCF/акцию 9.5 16.83 15.95 12.52 14.52 18.18 22.41 19.52 9.69 9.69


Efficiency

IFRS
Reporting Annual Quarterly
2000 2001 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 11.65 5.43 6.21 13.14 14.48 11.73 13.19 4.24 1.47 1.43 10.77
ROA, % 2.4 1.09 1.2 2.81 3.42 2.77 3.02 0.8212 0.2468 0.2781 3.66
ROIC, % 8 0.3815 7.5 9.1 5.32 5.97 14.7 9.62 11.15 7.5 8.01
ROS, % 3.59 8.7 8.69 7.43 8.09 2.12 0.589 0.589 0.589 0.589 23.14
ROCE, % 17.59 8.62 11.12 3.88 4.17 3.3 3.66 1.25 0.8086 -0.1825 -3.91
Рентаб EBITDA, % 10.54 5.6 7.01 11.22 11.04 9.52 10.27 3.26 1.25 0.03 32.94
Чистая рентаб, % 6.59 3.14 3.59 8.7 8.69 7.43 8.01 2.12 0.589 0.589 23.04
Operation Margin, % 6.43 10.67 10.6 9.15 9.95 3.24 0.8009 0.03 0.03 0.03 32.75
Доходность FCF, % 19.75 12.46 20.31 17.11 10.74 11.78 17.43 17.25 14.11 8.02


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
10.14 22.92 21.53 12.69 13.03 12.42 11.39 42.76 124.4 124.4 21.89
P/BV
1.18 1.24 1.34 1.68 1.9 1.39 1.52 2.13 1.78 1.78 2.45
P/S
0.6677 0.7188 0.7733 1.1 1.13 0.9228 0.9125 0.907 0.7327 0.7327 4.75
P/FCF
5.84 9.31 8.49 5.74 5.8 7.09 0 0 0 0 8.09
E/P
0.0464 0.078 0.0849 0.0902 0.0894 0.0232 0.0081 0 0 0 1.16
EV/EBITDA
8.75 17.5 14.33 9.36 11.08 11.13 9.91 30.53 64.61 2699.06 29.61
EV/Ebit
11.54 10.61 9.88 32.91 70.51 -1079.62 -1079.62 -1079.62
EV/S
0.9796 1 1.22 1.12 1.16 0.9943 0.8106 0.8106 0.8106 0.8106 5.51
EV/FCF
6.71 7.59 10.14 7.82 7.43 7.72 13.89 13.89 13.89 13.89 11.41
Debt/EBITDA
4.33 1.54 1.21 1.7 1.46 4.39 10.41 435.11 435.11 435.11 -12.12
Netdebt/Ebitda
1.13 -0.4816 0.8109 1.44 1.03 2.68 6.21 259.5 259.5 259.5 -4.65
Debt/Ratio
0.1106 0.1017 0.0523 0.1161 0.1096 0.0559 0.0536 0.0617 0.0617 0.0617 0.19
Debt/Equity
0.5504 0.525 0.2241 0.4874 0.4969 0.3364 0.3177 0 0 0 21.91
Debt/Net Income
10.14 8.45 1.54 4.35 3.7 6.74 22.19 22.19 22.19 22.19 21.15
Бета
1.02 1.92 2.16 2.16 1.56
Индекс Альтмана
0.5212 0.6164 0.6164 0.6164 4.32


Dividends

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.067 0.0742 0.0804 0.0943 0.3862 0.0995 0.1022 0.1089 0.1172 0.1172
Дивиденд
1.88 2.04 6.97 4.95 2.65 2.85 3.06 3.28 3.45 4.3
Див доход, ао, %
2.1 1.87 1.88 1.77 1.7 2.26 2.26 2.7 2.06 2.44 2.38
Дивиденды / прибыль, %
22.38 51.84 46.62 24.12 90.85 27.74 24.41 93.88 332.01 332.01 44.64


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Other

IFRS
Reporting Annual Quarterly
2019 2020 2021 2022 2023 2024 CAGR 5
ebit_margin
10.6 9.98 10.3 3.02 1.15
Персонал, чел
4600 4800