The Hanover Insurance Group, Inc.

NYSE
THG
Stock
Yield per half year: +2.14%
Dividend yield: 2.12%
Sector: Financials

Reporting The Hanover Insurance Group, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 4.61 -2.74
Выручка, млрд $
4.95 5.18 4.49 4.89 4.83 5.23 5.47 5.99 6.22 6.22 5.55 5.19
Чистая прибыль, млрд $
0.1551 0.1862 0.391 0.4251 0.3587 0.4187 0.116 0.0353 0.426 0.426 0.2709 3.50
EV, млрд $
4.85 5.21 4.72 5.98 5.11 5.32 5.44 4.86 5.95 5.95 5.34 3.09
EBIT, млрд $
0.2462 0.3332 0.4796 0.5182 0.4415 0.52 0.1652 0.0689 0.5719 0.5719 0.3535 5.31
EBITDA, млрд $
0.2769 0.3633 0.5042 0.5398 0.4597 0.5369 0.1781 0.0752 0.4253 0.4253 0.3350 -1.54
OIBDA, млрд $
0.568 0.6538 0.2394 0.0879 0.5371 0.5371 0.4172 -1.11
Баланс стоимость, млрд $
2.86 3 2.95 2.92 3.2 3.14 2.33 2.47 2.84 2.84 2.80 -2.36
FCF, млрд $
0.7219 0.686 0.5382 0.5896 0.6927 0.8157 0.7045 0.3498 0.7962 0.7962 0.6718 2.82
Операционный денежный поток, млрд $
0.7376 0.7046 0.5513 0.6029 0.7076 0.8237 0.7223 0.3617 0.8064 0.8064 0.6843 2.65
Операционная прибыль, млрд $
0.2462 0.3332 0.4796 0.5182 0.4415 0.52 0.1773 0.048 0.5378 0.5378 0.3449 4.03
Операционные расходы, млрд $
-4.7 -4.85 -4.01 -4.37 -4.39 -4.71 0.5739 5.92 5.68 5.68 0.6148 -205.29
CAPEX, млрд $
0.0157 0.0186 0.0131 0.0133 0.0149 0.008 0.0178 0.0119 0.0102 0.0102 0.0126 -7.30


Balance sheet

IFRS
Reporting Annual Quarterly
2000 2001 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
0.2826 0.3764 1.02 0.2157 0.1206 0.2309 0.305 0.3161 0.4355 0.4355 0.2816 29.28
Short Term Investments $
7.33 7.78 6.16 6.69 7.45 0.7674 0.7861 0.4686 1.59 1.59 2.21 -26.57
Long term investments $
8.32 8.02 7.92 8.36 6.63 8.05 8.9 9.2 8.56 8.12 8.57 0.17
Total Receivables $
4.05 4.62 2.83 3.07 3.21 3.38 1.6 1.71 1.8 1.8 2.34 -10.93
Total Current Assets $
1.72 1.94 10.01 3.29 3.33 3.61 2.69 2.02 2.24 2.24 2.78 -7.62
Активы, млрд $
14.22 15.47 12.4 12.49 13.44 14.25 14 14.61 15.27 15.27 14.31 2.59
Short Term Debt $
0.0566 0.0833 0.9035 0.8031 0.7864 0.7869 0.78 0.781 0.0618 0.0618 0.6392 -39.87
Long Term Debt $
0.7864 0.7869 0.7779 0.6534 0.7808 0.7816 0.7824 0.7832 0.7223 0.7223 0.7701 -1.55
Задолженность, млрд $
11.36 12.47 9.45 9.57 10.24 11.11 11.67 12.15 12.43 12.43 11.52 3.95
Чистый долг, млрд $
0.5038 0.4105 -0.2428 0.4377 0.6602 0.5507 0.4774 0.4671 0.3486 0.3486 0.5008 -11.99
Долг, млрд $
1.57 1.57 0.7779 0.6534 0.7808 0.7816 0.7824 0.7832 0.7841 0.7841 0.7824 0.08
Interest income $
0.0601 0.0514 0.0452 0.0451 0.0375 0.0237 0.0851 0.0974 0.0578 16.65
Расходы на обслуживание долга $
0.0549 0.0485 0.0451 0.0375 0.0371 0.034 0.0341 0.0341 0.0341 0.0341 0.0347 -1.67
Чист. проц. доходы, млрд $
-0.0549 -0.0485 0.0451 0.0375 0.0237 0.0851 0.0974 -0.0341 0.0974 0.0419 -198.12
Goodwill $
0.1846 0.186 0.1848 0.1926 0.1788 0.1788 0.1788 0.1788 0.1788 0.1788 0.1788 0.00
Амортизация, млрд $
0.0307 0.0301 0.0246 0.0216 0.0182 0.0169 0.0129 0.0063 -0.1466 -0.1466 -0.0185 -251.78
Себестоимость, млрд $
4.58 3.92 3.35 3.42 3.62 3.79 -0.0192 -0.018 -0.0206 -0.0206 1.47 -135.57
Товарно материальные запасы $
-4.77 -5.29 3.7 1.87 1.85 2.04 0.7861 7.03 7.03 2.72 30.32


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 4.25 4.75 9.09 10.47 9.41 11.5 3.21 0.9778 11.7 11.7 7.36 4.45
Цена акции ао 93.23 116.81 125.76 107.14 131 135.13 121.42 154.66 169.63 169.63 142.37 5.30
Число акций ао, млн 42.9 43 43 40.6 38.1 36.4 36.1 36.1 36.4 36.4 36.62 -0.91
FCF/акцию 16.83 15.95 12.52 14.52 18.18 22.41 19.52 9.69 21.87 21.87 18.33 3.77


Efficiency

IFRS
Reporting Annual Quarterly
2001 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 5.43 6.21 13.14 14.48 11.73 13.19 4.24 1.47 16.05 16.05 23.22 9.34 6.47
ROA, % 1.09 1.2 2.81 3.42 2.77 3.02 0.8212 0.2468 2.85 2.85 4.05 1.94 0.57
ROIC, % 0.3815 7.5 9.1 5.32 5.97 14.7 9.62 11.15 7.5 4.91 8.01 9.58 -19.69
ROS, % 3.59 8.7 8.69 7.43 8.09 2.12 0.589 6.85 6.85 6.85 22.65 4.90 -3.27
ROCE, % 11.12 3.88 4.17 3.3 3.66 1.25 0.8086 3.97 20.12 3.97 12.07 5.96 40.61
Ebit margin, % 10.6 9.98 10.3 3.02 1.15 9.2 9.2 9.2 6.57 -2.23
Рентаб EBITDA, % 7.01 11.22 11.04 9.52 10.27 3.26 1.25 6.84 6.84 6.84 36.41 5.69 -7.81
Чистая рентаб, % 3.14 3.59 8.7 8.69 7.43 8.01 2.12 0.589 6.85 6.85 22.53 5.00 -1.61
Operation Margin, % 6.43 10.67 10.6 9.15 9.95 3.24 0.8009 8.65 8.65 8.65 34.06 6.26 -2.76
Доходность FCF, % 19.75 12.46 20.31 17.11 10.74 11.78 17.43 17.25 14.11 8.02 13.72 -7.40


Coefficients

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
22.92 21.53 12.69 13.03 12.42 11.39 42.76 124.4 13.15 13.15 24.94 40.82 1.15
P/BV
1.24 1.34 1.68 1.9 1.39 1.52 2.13 1.78 1.97 1.97 5.58 1.76 7.22
P/S
0.7188 0.7733 1.1 1.13 0.9228 0.9125 0.907 0.7327 0.9008 0.9008 5.06 0.8752 -0.48
P/FCF
5.84 9.31 8.49 5.74 5.8 7.09 0 0 0 0 7.71 7.29 -5.30
E/P
0.0464 0.078 0.0849 0.0902 0.0894 0.0232 0.0081 0 0 0 1.16 0.0592 -37.49
EV/EBIT
11.54 10.61 9.88 32.91 70.51 10.4 10.45 10.4 26.83 1.13
EV/EBITDA
17.5 14.33 9.36 11.08 11.13 9.91 30.53 64.61 13.99 13.99 -3.80 26.03 4.68
EV/S
0.9796 1 1.22 1.12 1.16 0.9943 0.8106 0.9569 0.9616 0.9569 5.74 0.9767 -3.68
EV/FCF
6.71 7.59 10.14 7.82 7.43 7.72 13.89 7.47 7.51 7.47 13.02 8.80 0.21
Debt/EBITDA
4.33 1.54 1.21 1.7 1.46 4.39 10.41 1.84 1.84 1.84 -6.66 3.99 4.74
Netdebt/Ebitda
1.13 -0.4816 0.8109 1.44 1.03 2.68 6.21 0.8197 0.8197 0.8197 -13.63 2.31 -4.46
Debt/Ratio
0.1106 0.1017 0.0523 0.1161 0.1096 0.0559 0.0536 0.0513 0.0513 0.0513 0.19 0.0643 -14.09
Debt/Equity
0.5504 0.525 0.2241 0.4874 0.4969 0.3364 0.3177 0.2759 4.37 0.2759 5.23 1.16 54.47
Debt/Net Income
10.14 8.45 1.54 4.35 3.7 6.74 22.19 1.84 1.84 1.84 23.77 7.26 -13.04
PEG
10.56 10.56 10.56 0.00
Бета
1.02 1.92 0.6177 0.6177 0.72 1.19 -15.40
Индекс Альтмана
0.5212 0.6164 0.5502 0.5502 4.70 0.5626 1.82


Dividends

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 0.1241 0.1104 4.52
Дивиденд
2.04 6.97 4.95 2.65 2.85 3.06 3.32 3.5 0.9 3.55 2.73 -20.59
Див доход, ао, %
1.87 1.88 1.77 1.7 2.26 2.26 2.55 2.02 2.09 2.12 2.43 2.24 -1.55
Дивиденды / прибыль, %
51.84 46.62 24.12 90.85 27.74 24.41 93.88 332.01 29.13 29.13 43.17 101.43 0.98


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Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Выручка, %
0.3099 0.153 0.3255 0.1985 0.1641 0.1641 -11.94
Персонал, чел
4 600 4 800 2.15