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STOCKS

Hanover Insurance (THG)

NYSE:THG

THG

Hanover Insurance

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Hanover Insurance (THG) Ratios

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Hanover Insurance Ratios

THG's free cash flow for Q1 2025 was $0.20. For the 2025 fiscal year, THG's free cash flow was decreased by $ and operating cash flow was $0.11. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	61.61	0.33	3.68	65.48	68.89
Quick Ratio	96.60	0.33	2.61	102.58	107.12
Cash Ratio	4.04	0.05	0.42	4.19	2.49
Solvency Ratio	0.05	<0.01	0.01	0.04	0.04
Operating Cash Flow Ratio	11.29	0.06	0.99	14.95	14.62
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -6.28B	$ -10.13B	$ -8.98B	$ -7.50B	$ -6.91B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.05	0.06	0.05	0.06
Debt-to-Equity Ratio	0.22	0.32	0.34	0.25	0.24
Debt-to-Capital Ratio	0.18	0.24	0.25	0.20	0.20
Long-Term Debt-to-Capital Ratio	0.18	0.24	0.25	0.20	0.20
Financial Leverage Ratio	4.28	5.93	6.02	4.53	4.20
Debt Service Coverage Ratio	12.44	2.17	4.43	13.35	11.25
Interest Coverage Ratio	13.82	2.21	5.20	15.29	11.90
Debt to Market Cap	0.12	0.18	0.16	0.17	0.18
Interest Debt Per Share	17.27	22.89	22.94	22.72	21.69
Net Debt to EBITDA	0.78	5.73	2.68	0.99	1.32
Profitability Margins
Gross Profit Margin	100.00%	10.95%	100.00%	100.00%	100.00%
EBIT Margin	11.44%	1.26%	3.26%	10.62%	9.98%
EBITDA Margin	11.44%	1.37%	3.26%	10.62%	10.36%
Operating Profit Margin	10.60%	1.26%	3.24%	9.95%	9.15%
Pretax Profit Margin	10.68%	0.69%	2.63%	9.97%	9.21%
Net Profit Margin	8.69%	0.59%	2.12%	8.09%	7.43%
Continuous Operations Profit Margin	8.77%	0.56%	2.14%	8.03%	7.50%
Net Income Per EBT	81.42%	85.89%	80.56%	81.10%	80.64%
EBT Per EBIT	100.75%	54.65%	81.22%	100.25%	100.75%
Return on Assets (ROA)	3.40%	0.24%	0.83%	2.97%	2.67%
Return on Equity (ROE)	14.58%	1.43%	4.99%	13.44%	11.20%
Return on Capital Employed (ROCE)	4.17%	0.88%	1.34%	3.66%	3.30%
Return on Invested Capital (ROIC)	3.99%	-1.86%	6.15%	3.46%	3.12%
Return on Tangible Assets	3.45%	0.24%	0.84%	3.00%	2.70%
Earnings Yield	7.78%	0.81%	2.41%	8.99%	8.14%
Efficiency Ratios
Receivables Turnover	1.59	3.50	3.41	0.00	1.50
Payables Turnover	0.00	82.59	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.66	0.00	0.00	0.61	0.59
Asset Turnover	0.39	0.41	0.39	0.37	0.36
Working Capital Turnover Ratio	0.74	-4.12	1.98	1.53	1.48
Cash Conversion Cycle	229.45	99.97	106.88	0.00	242.99
Days of Sales Outstanding	229.45	104.39	106.88	0.00	242.99
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	4.42	0.00	0.00	0.00
Operating Cycle	229.45	104.39	106.88	0.00	242.99
Cash Flow Ratios
Operating Cash Flow Per Share	15.07	10.13	20.29	22.94	18.77
Free Cash Flow Per Share	14.74	9.80	19.79	22.72	18.37
CapEx Per Share	0.33	0.33	0.50	0.22	0.40
Free Cash Flow to Operating Cash Flow	0.98	0.97	0.98	0.99	0.98
Dividend Paid and CapEx Coverage Ratio	1.51	2.80	5.70	7.47	6.19
Capital Expenditure Coverage Ratio	45.33	30.39	40.58	102.96	47.49
Operating Cash Flow Coverage Ratio	0.92	0.46	0.92	1.05	0.91
Operating Cash Flow to Sales Ratio	0.12	0.06	0.13	0.16	0.15
Free Cash Flow Yield	10.79%	8.07%	14.64%	17.34%	15.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.86	122.80	41.47	11.13	12.29
Price-to-Sales (P/S) Ratio	1.12	0.73	0.88	0.90	0.91
Price-to-Book (P/B) Ratio	1.87	1.76	2.07	1.50	1.38
Price-to-Free Cash Flow (P/FCF) Ratio	9.27	12.39	6.83	5.77	6.36
Price-to-Operating Cash Flow Ratio	9.07	11.98	6.66	5.71	6.23
Price-to-Earnings Growth (PEG) Ratio	0.85	-1.78	-0.58	0.49	-1.17
Price-to-Fair Value	1.87	1.76	2.07	1.50	1.38
Enterprise Value Multiple	10.55	58.92	29.69	9.46	10.13
Enterprise Value	5.90B	4.80B	5.29B	5.26B	5.07B
EV to EBITDA	10.55	58.92	29.69	9.46	10.13
EV to Sales	1.21	0.81	0.97	1.01	1.05
EV to Free Cash Flow	10.01	13.73	7.51	6.44	7.32
EV to Operating Cash Flow	9.79	13.28	7.32	6.38	7.16
Tangible Book Value Per Share	63.97	64.06	55.28	77.64	75.45
Shareholders’ Equity Per Share	72.91	69.06	65.33	87.60	84.94
Tax and Other Ratios
Effective Tax Rate	0.18	0.18	0.19	0.19	0.19
Revenue Per Share	122.27	167.04	153.61	145.62	128.05
Net Income Per Share	10.63	0.99	3.26	11.78	9.51
Tax Burden	0.81	0.86	0.81	0.81	0.81
Interest Burden	0.93	0.55	0.81	0.94	0.92
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.42	10.80	6.23	1.97	1.97

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