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HANOVER INSURANCE GROUP, INC.

THG

$228.90 ▼ -2.73 (-1.18%) at close

19 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

HANOVER INSURANCE GROUP, INC. shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $8.2B

Dividend Yield —

Revenue Growth 5.7% ↗

Op. Margin 14.1% ↗

ROIC None

FCF / Share None

Trailing P/E 12.4x

Price / Book 2.3x

FCF Yield —

Debt / Equity 0.34

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$6.59B

↑ +5.7% —

Net Income Profit after all expenses

$662.50M

↑ +55.5% —

Operating Margin Operating profit as % of sales

14.1%

↑ +35.7% 65th

Long-Term Debt Long-term obligations

$843.30M

↑ +16.8% —

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Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$2.50 Latest / share

-47.4% YoY

-47.4% 2-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

$4.75

FY 2018

$2.50

FY 2019

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	5.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-32%)	9.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+60%)	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	8.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+39%)	-1.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-122%)	8.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+47%)	5.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	-13.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-328%)	-1.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-129%)	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-111%)	5.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-26%)	16.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+179%)	24.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+312%)	11.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+87%)	5.7% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	—	—
EPS Growth YoY (%)	56.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	1097.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-69.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-72.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	22.6% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-10.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	15.3% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	110.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	20.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-51.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	17.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	12.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	356.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	54.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-76.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-13.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	875.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	55.5% Excellent ↓ Excellent Declining Year-over-year change in net income	1106.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-69.6% Weak ↓ Weak Declining Year-over-year change in net income	-72.3% Weak ↓ Weak Declining Year-over-year change in net income	16.7% Good ↓ Good Declining Year-over-year change in net income	-15.6% Weak ↓ Weak Declining Year-over-year change in net income	8.7% Fair ↓ Fair Declining Year-over-year change in net income	110.0% Excellent ↑ Excellent Improving Year-over-year change in net income	20.1% Good ↑ Good Improving Year-over-year change in net income	-53.2% Weak ↓ Weak Declining Year-over-year change in net income	17.6% Good ↓ Good Declining Year-over-year change in net income	12.4% Fair ↓ Fair Declining Year-over-year change in net income	349.0% Excellent ↑ Excellent Improving Year-over-year change in net income	52.3% Excellent ↓ Excellent Declining Year-over-year change in net income	-76.3% Weak ↓ Weak Declining Year-over-year change in net income	-21.5% Weak Weak Year-over-year change in net income	857.3% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-3.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	15.0% Good → Good Stable Compound annual revenue growth over 3 years	17.4% Excellent Excellent Compound annual revenue growth over 3 years	13.6% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.1% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-0.8% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-0.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	4.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.3% Excellent Excellent Compound annual revenue growth over 5 years	12.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	78.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	0.5% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-53.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-32.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	29.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	43.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-11.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-14.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	82.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	99.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-31.6% Weak Weak Compound annual EPS growth over 3 years	26.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	14.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	10.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	1.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	5.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	8.3% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	10.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	9.3% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	9.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	7.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	6.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	—	8.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	8.2% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	1.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	1.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	5.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	—	—	—
Effective Tax Rate (%) (%)	21.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	28.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-131.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-58.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	10.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	6.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	0.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	2.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	8.0% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	7.4% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	8.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	8.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	4.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	3.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	6.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	5.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	5.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	1.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	0.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	4.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	7.0% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	0.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	5.5% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.3% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	2.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	18.5% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+55%)	15.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	1.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	5.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	13.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	11.2% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	14.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+21%)	13.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	5.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	11.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	2.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	8.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	1.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.34x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.28x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.32x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	—	—	—	0.22x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.26x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.28x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.28x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.32x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.35x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.33x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.37x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.25x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.18x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$184.20	$173.74	$167.89	$153.61	$145.62	$127.98	$122.27	$106.00	$100.42	$115.56	$114.67	$115.17	$108.70	$102.70	$86.98	$69.13	$56.01	$52.25	—
Basic EPS, GAAP (USD)	$18.50	$11.85	$0.99	$3.26	$11.67	$9.52	$10.62	$9.21	$4.38	$3.63	$7.55	$6.41	$5.70	$1.25	$0.81	$3.39	$3.90	$0.40	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	—	—	—	—	$2.50	$4.75	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$99.76	$79.16	$69.06	$65.55	$87.60	$84.94	$72.91	$69.69	$70.53	$66.76	$64.79	$64.64	$58.83	$58.06	$54.96	$53.96	$46.61	$36.79	—
Tangible Book Value per Share (USD)	$94.27	$73.75	$63.62	$60.10	$82.18	$80.20	$68.44	$65.47	$66.33	$62.45	$60.56	$60.44	$54.64	$53.93	$50.85	$50.03	$43.23	$36.79	—
Basic Weighted Avg Shares (shares)	35.80M	35.90M	35.70M	35.60M	35.90M	37.70M	40.00M	42.40M	42.50M	42.80M	43.90M	44.00M	44.10M	44.70M	45.20M	45.60M	50.60M	51.30M	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	23.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	51.6% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$843.30M	$722.30M	$783.20M	—	—	—	$653.40M	$777.90M	$786.90M	$786.40M	$803.10M	$903.50M	$903.90M	$849.40M	$911.10M	$605.90M	$433.90M	—	—
Total Equity (USD)	$3.57B	$2.84B	$2.47B	$2.33B	$3.14B	$3.20B	$2.92B	$2.95B	$3.00B	$2.86B	$2.84B	$2.84B	$2.59B	$2.60B	$2.48B	$2.46B	$2.36B	$1.89B	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$6.59B	$6.24B	$5.99B	$5.47B	$5.23B	$4.82B	$4.89B	$4.49B	$4.27B	$4.95B	$5.03B	$5.07B	$4.79B	$4.59B	$3.93B	$3.15B	$2.83B	$2.68B	—
Net Income, GAAP (USD)	$662.50M	$426.00M	$35.30M	$116.00M	$418.70M	$358.70M	$425.10M	$391.00M	$186.20M	$155.10M	$331.50M	$282.00M	$251.00M	$55.90M	$36.70M	$154.80M	$197.20M	$20.60M	—
Operating Cash Flow (USD)	$1.18B	$806.40M	$361.70M	$722.30M	$823.70M	$707.60M	$602.90M	$551.30M	$704.60M	$743.40M	$438.40M	$564.70M	$383.90M	$408.20M	$221.70M	$83.60M	$91.60M	$209.50M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Premiums Earned (USD)	$6.16B	$5.91B	$5.66B	$5.25B	$4.77B	$4.53B	$4.47B	$4.25B	$3.98B	$4.63B	$4.70B	$4.71B	$4.45B	$4.24B	$3.60B	$2.84B	$2.55B	$2.48B	—
Loss Ratio (%) (%)	60.5%	63.5%	73.0%	69.0%	65.7%	62.8%	64.0%	64.0%	64.8%	64.1%	61.3%	62.2%	62.0%	70.2%	70.9%	65.3%	64.4%	65.4%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 72 quarters

HANOVER INSURANCE GROUP, INC.

Analytical Summary

19-Year Financial Trajectory

Bullish Indicators

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