Hanover Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . The Hanover Insurance
THG Stock  USD 179.06  3.71  2.03%   
Hanover Insurance's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Hanover Insurance's valuation are provided below:
Gross Profit
1.5 B
Profit Margin
0.0971
Market Capitalization
6.5 B
Enterprise Value Revenue
1.0593
Revenue
6.5 B
There are over one hundred nineteen available fundamental trends for Hanover Insurance, which can be analyzed over time and compared to other ratios. Active traders should verify all of Hanover Insurance regular fundamental drivers against the trend between 2010 and 2026 to make sure the company can sustain itself down the road. The current Market Cap is estimated to decrease to about 2.4 B. Enterprise Value is estimated to decrease to about 2.6 B

Hanover Insurance Total Revenue

4.25 Billion

Check Hanover Insurance financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Hanover Insurance's main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.3 M, Interest Expense of 27.4 M or Total Revenue of 4.3 B, as well as many indicators such as Price To Sales Ratio of 0.62, Dividend Yield of 0.0142 or PTB Ratio of 0.97. Hanover financial statements analysis is a perfect complement when working with Hanover Insurance Valuation or Volatility modules.
  
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Check out the analysis of Hanover Insurance Correlation against competitors.

Hanover Insurance Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets13.5 B13.7 B14 B
Pretty Stable
Short and Long Term Debt Total729.1 M901.7 M913.3 M
Pretty Stable
Total Current Liabilities700.8 M737.6 M1.1 B
Very volatile
Total Stockholder Equity2.7 B3.3 B2.7 B
Slightly volatile
Retained Earnings3.9 B3.7 B2.2 B
Slightly volatile
Non Current Assets Total301.8 M317.7 M4.3 B
Slightly volatile
Net Receivables2.5 B2.1 B2.8 B
Pretty Stable
Common Stock Shares Outstanding38 M32.8 M41.2 M
Slightly volatile
Liabilities And Stockholders Equity13.5 B13.7 B14 B
Pretty Stable
Non Current Liabilities Total8.2 B13.4 B8.3 B
Slightly volatile
Other Stockholder Equity75.2 M79.1 M611.3 M
Slightly volatile
Total Liabilities11.4 B11.2 B11.3 B
Very volatile
Total Current Assets2.2 B2.6 B2.5 B
Very volatile
Cash436.7 M500.8 M411.9 M
Pretty Stable
Cash And Short Term Investments2.4 B2.3 B1.5 B
Pretty Stable
Common Stock Total Equity655.9 K690 K602.7 K
Slightly volatile
Short Term Investments2.4 B1.8 B3.8 B
Pretty Stable
Common Stock656.2 K690 K602.7 K
Slightly volatile
Other Liabilities66.4 M69.9 M1.9 B
Slightly volatile
Accounts Payable32.2 M33.9 M164.9 M
Slightly volatile
Long Term Debt701.5 M830.6 M762.8 M
Pretty Stable
Good Will183.6 M205.6 M180.9 M
Slightly volatile
Intangible Assets749.6 M713.9 M421.5 M
Slightly volatile
Net Tangible Assets2.9 B2.5 B2.6 B
Very volatile
Long Term Debt Total635.4 M650.1 M782.9 M
Slightly volatile
Capital Surpluse2.1 B2.3 B1.9 B
Slightly volatile
Long Term Investments9 B10 B8.2 B
Slightly volatile
Non Current Liabilities Other7.4 B9.1 B9.3 B
Pretty Stable
Cash And Equivalents293.6 M391.9 M334.4 M
Very volatile
Net Invested Capital2.4 B3.3 B3.3 B
Slightly volatile
Capital Stock480 K540 K589.4 K
Slightly volatile

Hanover Insurance Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.3 M1.4 M22.6 M
Slightly volatile
Total Revenue4.3 B7.1 B4.9 B
Slightly volatile
Gross Profit672.6 M1.1 B1 B
Slightly volatile
Other Operating Expenses3.7 B6.5 B4.4 B
Slightly volatile
Operating Income355.5 M484 M300.3 M
Slightly volatile
EBIT375.6 M514.7 M342.2 M
Slightly volatile
EBITDA394.5 M516.1 M362.4 M
Slightly volatile
Cost Of Revenue3.3 B5.7 B3.8 B
Slightly volatile
Income Before Tax508.2 M484 M369.1 M
Very volatile
Net Income514.4 M489.9 M271.3 M
Slightly volatile
Net Income Applicable To Common Shares514.4 M489.9 M274.6 M
Slightly volatile
Minority Interest12.8 M14.4 M15.7 M
Slightly volatile
Net Income From Continuing Ops278.4 M489.1 M244.1 M
Slightly volatile
Tax Provision56.9 M101.2 M83.1 M
Slightly volatile
Interest Income17 M17.9 M49.4 M
Slightly volatile
Reconciled Depreciation1.3 M1.4 M20.3 M
Slightly volatile

Hanover Insurance Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow961.4 M915.6 M577.2 M
Slightly volatile
Change In Working Capital266.7 M254 M282.6 M
Slightly volatile
Begin Period Cash Flow319.2 M284.5 M392.4 M
Slightly volatile
Capital Expenditures11.1 M9.2 M14.7 M
Slightly volatile
Total Cash From Operating Activities973.7 M927.4 M592.8 M
Slightly volatile
Net Income514.4 M489.9 M270.9 M
Slightly volatile
End Period Cash Flow427.5 M500.8 M413.3 M
Pretty Stable
Depreciation1.3 M1.4 M21.8 M
Slightly volatile
Stock Based Compensation18.6 M35.6 M19 M
Slightly volatile
Change To Liabilities580.6 M906.2 M594.5 M
Slightly volatile
Change To Operating Activities485.4 M779.7 M473.7 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.620.80.7701
Slightly volatile
Dividend Yield0.01420.02010.0243
Very volatile
PTB Ratio0.971.761.3727
Slightly volatile
Days Sales Outstanding198122159
Pretty Stable
Book Value Per Share45.0771.2466.5186
Slightly volatile
Free Cash Flow Yield0.07240.130.1369
Slightly volatile
Operating Cash Flow Per Share21.2320.2214.4906
Slightly volatile
Stock Based Compensation To Revenue0.0030.00450.0038
Slightly volatile
Capex To Depreciation6.436.121.725
Slightly volatile
PB Ratio0.971.761.3727
Slightly volatile
EV To Sales0.660.850.844
Slightly volatile
Free Cash Flow Per Share20.9619.9614.1175
Slightly volatile
Net Income Per Share11.2110.686.5636
Slightly volatile
Payables Turnover12511960.8294
Slightly volatile
Capex To Revenue0.00180.00190.0031
Slightly volatile
Cash Per Share53.2550.7225.8813
Pretty Stable
POCF Ratio7.527.927.3371
Pretty Stable
Interest Coverage14.914.197.8156
Slightly volatile
Payout Ratio0.240.260.6357
Pretty Stable
Capex To Operating Cash Flow0.01380.01450.0342
Slightly volatile
PFCF Ratio6.586.287.463
Very volatile
Days Payables Outstanding3.023.1814.126
Slightly volatile
Income Quality1.791.73.4614
Very volatile
ROE0.140.130.0917
Slightly volatile
EV To Operating Cash Flow7.998.428.0721
Very volatile
PE Ratio12.3211.7324.4635
Pretty Stable
Return On Tangible Assets0.02670.02540.0186
Slightly volatile
EV To Free Cash Flow7.346.678.2427
Pretty Stable
Earnings Yield0.07250.06910.0644
Very volatile
Intangibles To Total Assets0.01040.01050.0125
Very volatile
Current Ratio2.332.4616.2758
Very volatile
Tangible Book Value Per Share42.7266.7662.3965
Slightly volatile
Receivables Turnover2.183.112.8672
Very volatile
Graham Number13713195.4859
Slightly volatile
Shareholders Equity Per Share43.5271.2465.5577
Slightly volatile
Debt To Equity0.180.250.2745
Pretty Stable
Capex Per Share0.240.260.3548
Slightly volatile
Revenue Per Share164156123
Slightly volatile
Interest Debt Per Share11.120.5119.4703
Pretty Stable
Debt To Assets0.03420.04620.0538
Pretty Stable
Enterprise Value Over EBITDA9.89.2615.1171
Slightly volatile
Short Term Coverage Ratios12.3311.7412.4044
Slightly volatile
Price Earnings Ratio12.3211.7324.4635
Pretty Stable
Operating Cycle198122159
Pretty Stable
Price Book Value Ratio0.971.761.3727
Slightly volatile
Days Of Payables Outstanding3.023.1814.126
Slightly volatile
Dividend Payout Ratio0.240.260.6357
Pretty Stable
Price To Operating Cash Flows Ratio7.527.927.3371
Pretty Stable
Price To Free Cash Flows Ratio6.586.287.463
Very volatile
Pretax Profit Margin0.07270.09950.0619
Slightly volatile
Ebt Per Ebit0.140.08780.0986
Slightly volatile
Operating Profit Margin0.170.09950.1138
Slightly volatile
Company Equity Multiplier7.816.185.5896
Very volatile
Long Term Debt To Capitalization0.140.180.2102
Pretty Stable
Total Debt To Capitalization0.150.190.2131
Pretty Stable
Return On Capital Employed0.03650.04280.0319
Pretty Stable
Debt Equity Ratio0.180.250.2745
Pretty Stable
Ebit Per Revenue0.170.09950.1138
Slightly volatile
Quick Ratio2.332.4616.2758
Very volatile
Dividend Paid And Capex Coverage Ratio3.065.45.2936
Pretty Stable
Net Income Per E B T0.460.710.9955
Slightly volatile
Cash Ratio0.450.482.6275
Very volatile
Cash Conversion Cycle188118145
Very volatile
Operating Cash Flow Sales Ratio0.05860.120.1101
Slightly volatile
Days Of Sales Outstanding198122159
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.70.890.942
Pretty Stable
Cash Flow Coverage Ratios0.970.930.7426
Slightly volatile
Price To Book Ratio0.971.761.3727
Slightly volatile
Capital Expenditure Coverage Ratio74.7171.1544.1594
Slightly volatile
Price Cash Flow Ratio7.527.927.3371
Pretty Stable
Enterprise Value Multiple9.89.2615.1171
Slightly volatile
Debt Ratio0.03420.04620.0538
Pretty Stable
Cash Flow To Debt Ratio0.970.930.7426
Slightly volatile
Price Sales Ratio0.620.80.7701
Slightly volatile
Return On Assets0.02640.02510.0184
Slightly volatile
Asset Turnover0.220.370.3382
Slightly volatile
Net Profit Margin0.03240.06170.0494
Pretty Stable
Gross Profit Margin0.240.230.2301
Slightly volatile
Price Fair Value0.971.761.3727
Slightly volatile
Return On Equity0.140.130.0917
Slightly volatile

Hanover Insurance Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap2.4 B4.4 B4.2 B
Slightly volatile
Enterprise Value2.6 B4.8 B4.6 B
Slightly volatile

Hanover Fundamental Market Drivers

Forward Price Earnings10.7411
Cash And Short Term Investments2 B

Hanover Upcoming Events

31st of January 2024
Upcoming Quarterly Report
View
7th of May 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
31st of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Hanover Insurance Financial Statements

Hanover Insurance stakeholders use historical fundamental indicators, such as Hanover Insurance's revenue or net income, to determine how well the company is positioned to perform in the future. Although Hanover Insurance investors may analyze each financial statement separately, they are all interrelated. For example, changes in Hanover Insurance's assets and liabilities are reflected in the revenues and expenses on Hanover Insurance's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in The Hanover Insurance. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue7.1 B4.3 B
Cost Of Revenue5.7 B3.3 B
Revenue Per Share 155.85  163.65 
Ebit Per Revenue 0.10  0.17 

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When determining whether Hanover Insurance is a strong investment it is important to analyze Hanover Insurance's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Hanover Insurance's future performance. For an informed investment choice regarding Hanover Stock, refer to the following important reports:
How To Invest In Hanover
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Is Hanover Stock a good investment?
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What is Hanover Insurance's Net Worth?
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Check out the analysis of Hanover Insurance Correlation against competitors.
You can also try the AI Portfolio Prophet module to use AI to generate optimal portfolios and find profitable investment opportunities.
Is Property & Casualty Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Hanover Insurance. If investors know Hanover will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Hanover Insurance listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.751
Dividend Share
3.6
Earnings Share
17.29
Revenue Per Share
181.251
Quarterly Revenue Growth
0.064
The market value of Hanover Insurance is measured differently than its book value, which is the value of Hanover that is recorded on the company's balance sheet. Investors also form their own opinion of Hanover Insurance's value that differs from its market value or its book value, called intrinsic value, which is Hanover Insurance's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Hanover Insurance's market value can be influenced by many factors that don't directly affect Hanover Insurance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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Please note, there is a significant difference between Hanover Insurance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Hanover Insurance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Hanover Insurance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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