Need an investment idea? Check out S2O Stock Screener. It allows to generate a list of stocks of a particular interest in a matter of seconds!

Market Price

131.98 

-1.20 -0.9%

as of Aug 23 '19

52 Week Range:

104.59 134.29


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services in the United States. The company operates in three segments: Commercial Lines, Personal Lines, and Other. The Commercial Lines segment offers commercial multiple peril, commercial automobile, workers' compensation, umbrella, healthcare, mono-line general liability, and miscellaneous commercial property insurance products; and other commercial coverages, including inland marine, specialty program business, management and professional liability, surety, and specialty property. The Personal Lines segment provides personal automobile and homeowner's coverages, as well as other personal coverages, such as personal inland marine, umbrella, fire, personal watercraft, earthquake, and other miscellaneous coverages. The Other segment offers investment management and advisory services to institutions, pension funds, and other organizations. The company markets its products and services through independent agents and brokers. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 36.94
49.65
54.80
55.04
58.59
58.22
63.14
66.92
71.83
69.93
70.51
growth rate 34.4% 10.4% 0.4% 6.5% -0.6% 8.5% 6.0% 7.3% -2.7% 0.8%
Earnings BIT 164.40
270.90
211.10
22.30
28.70
329.10
456.00
485.70
205.70
338.10
355.80
growth rate 64.8% -22.1% -89.4% 28.7% 1,046.7% 38.6% 6.5% -57.7% 64.4% 5.2%
Avg.PE 26.39
12.08
14.12
50.00
38.02
10.92
11.18
11.32
25.42
24.91
12.94
growth rate -54.2% 16.9% 254.1% -24.0% -71.3% 2.4% 1.3% 124.6% -2.0% -48.1%
ROA 0.22
2.28
1.86
0.35
0.43
1.87
2.08
2.41
1.11
1.25
2.81
growth rate 936.4% -18.4% -81.2% 22.9% 334.9% 11.2% 15.9% -53.9% 12.6% 124.8%
ROE 0.98
9.29
6.42
1.49
2.19
9.67
10.37
11.66
5.44
6.36
13.14
growth rate 848.0% -30.9% -76.8% 47.0% 341.6% 7.2% 12.4% -53.3% 16.9% 106.6%
ROIC 0.79
7.57
5.28
2.25
2.80
8.63
9.13
growth rate 858.2% -30.3% -57.4% 24.4% 208.2% 5.8%
Leverage 4.89
3.41
3.48
5.03
5.20
5.16
4.84
4.85
4.98
5.16
4.20
growth rate -30.3% 2.1% 44.5% 3.4% -0.8% -6.2% 0.2% 2.7% 3.6% -18.6%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 3,430.30
3,788.50
3,659.60
1,360.90
1,391.70
1,438.10
1,095.70
1,176.70
growth rate 10.4% -3.4% -62.8% 2.3% 3.3% -23.8% 7.4%
Acct.Payable 1,021.80
1,242.00
1,011.90
6,618.50
6,779.60
7,201.30
5,110.00
1,693.30
growth rate 21.6% -18.5% 554.1% 2.4% 6.2% -29.0% -66.9%
Cur.Assets 4,181.30
4,511.40
4,473.70
7,621.90
4,060.50
growth rate 7.9% -0.8% 70.4% -46.7%
Total Assets 9,230.20
8,042.70
8,569.90
12,598.60
13,484.90
13,378.70
13,759.70
13,781.20
14,220.40
15,469.60
12,399.70
growth rate -12.9% 6.6% 47.0% 7.0% -0.8% 2.9% 0.2% 3.2% 8.8% -19.8%
Cash 397.70
316.50
290.40
820.40
564.80
486.20
373.30
338.80
282.60
297.90
1,020.70
growth rate -20.4% -8.3% 182.5% -31.2% -13.9% -23.2% -9.2% -16.6% 5.4% 242.6%
Cur.Liabilities 10,012.20
10,133.70
10,576.50
11,685.00
5,019.00
growth rate 1.2% 4.4% 10.5% -57.1%
Liabilities 7,343.00
5,684.10
6,109.40
10,114.60
10,889.50
10,784.20
10,915.70
10,936.80
11,362.90
12,471.90
9,445.00
growth rate -22.6% 7.5% 65.6% 7.7% -1.0% 1.2% 0.2% 3.9% 9.8% -24.3%
LT Debt 531.40
433.90
605.90
1,290.00
1,315.60
1,278.60
903.50
803.10
786.40
786.90
777.90
growth rate -18.4% 39.6% 112.9% 2.0% -2.8% -29.3% -11.1% -2.1% 0.1% -1.1%
Equity 1,887.20
2,358.60
2,460.50
2,484.00
2,595.40
2,594.50
2,844.00
2,844.40
2,857.50
2,997.70
2,954.70
growth rate 25.0% 4.3% 1.0% 4.5% 0.0% 9.6% 0.0% 0.5% 4.9% -1.4%
Common Shares 52.00
51.00
46.00
45.00
45.00
44.00
44.00
44.00
43.00
43.00
43.00
growth rate -1.9% -9.8% -2.2% 0.0% -2.2% 0.0% 0.0% -2.3% 0.0% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 9.50
10.40
1,412.40
16.50
21.30
22.90
11.20
19.50
15.70
18.60
13.10
growth rate 9.5% 13,480.8% -98.8% 29.1% 7.5% -51.1% 74.1% -19.5% 18.5% -29.6%
Cash Dividends 23.00
37.50
47.20
50.90
55.10
60.00
67.00
74.20
80.40
86.80
94.30
growth rate 63.0% 25.9% 7.8% 8.3% 8.9% 11.7% 10.8% 8.4% 8.0% 8.6%
Cash From OA 209.50
91.60
83.60
221.70
408.20
383.90
564.70
444.70
757.40
761.40
626.50
growth rate -56.3% -8.7% 165.2% 84.1% -6.0% 47.1% -21.3% 70.3% 0.5% -17.7%
FCF per Share 3.87
-0.53
1.57
8.14
8.54
7.98
13.27
10.98
14.36
16.21
14.33
growth rate -100.0% 100.0% 418.5% 4.9% -6.6% 66.3% -17.3% 30.8% 12.9% -11.6%
Sale Purchase of Stock -17.80
-17.40
-53.20
12.60
16.60
16.20
-14.10
growth rate 0.0% 0.0% 100.0% 31.8% -2.4% -100.0%
FCF 200.00
-26.00
73.00
-1,482.00
386.00
361.00
554.00
418.00
721.00
686.00
538.00
growth rate -100.0% 100.0% -100.0% 100.0% -6.5% 53.5% -24.6% 72.5% -4.9% -21.6%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 2,680.40
2,834.10
3,152.20
3,931.60
4,590.70
4,793.70
5,067.60
5,034.00
4,053.90
4,267.90
4,494.30
growth rate 5.7% 11.2% 24.7% 16.8% 4.4% 5.7% -0.7% -19.5% 5.3% 5.3%
Op.Income 164.40
270.90
211.10
31.50
46.10
245.70
456.00
485.70
205.70
338.10
355.80
growth rate 64.8% -22.1% -85.1% 46.4% 433.0% 85.6% 6.5% -57.7% 64.4% 5.2%
IBT 164.40
270.90
211.10
21.60
28.70
329.10
378.00
439.40
66.00
292.90
282.50
growth rate 64.8% -22.1% -89.8% 32.9% 1,046.7% 14.9% 16.2% -85.0% 343.8% -3.6%
Net Income 20.60
197.20
154.80
31.50
46.10
245.70
282.00
331.50
155.10
186.20
391.00
growth rate 857.3% -21.5% -79.7% 46.4% 433.0% 14.8% 17.6% -53.2% 20.1% 110.0%
EPS 0.40
3.86
3.34
0.80
1.23
5.59
6.28
7.40
3.59
4.33
9.09
growth rate 865.0% -13.5% -76.1% 53.8% 354.5% 12.3% 17.8% -51.5% 20.6% 109.9%
Gross Profit 498.00
613.60
626.90
1,380.80
1,616.30
2,032.60
1,100.10
1,116.70
704.30
847.60
877.90
growth rate 23.2% 2.2% 120.3% 17.1% 25.8% -45.9% 1.5% -36.9% 20.4% 3.6%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 88.40
133.90
40.50
158.00
119.10
growth rate 51.5% -69.8% 290.1% -24.6%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 1,773.40
1,217.80
1,176.70
1,179.40
1,229.00
growth rate -31.3% -3.4% 0.2% 4.2%
Acct.Payable 7,959.30
5,235.30
1,693.30
5,428.40
5,531.70
growth rate -34.2% -67.7% 220.6% 1.9%
Cur.Assets 5,015.90
7,324.50
4,060.50
3,192.30
3,270.40
growth rate 46.0% -44.6% -21.4% 2.5%
Total Assets 15,403.60
15,624.30
12,399.70
11,983.40
12,159.90
growth rate 1.4% -20.6% -3.4% 1.5%
Cash 237.80
117.90
1,020.70
168.50
179.80
growth rate -50.4% 765.7% -83.5% 6.7%
Inventory
growth rate
Cur.Liabilities 11,676.70
11,864.30
5,019.00
8,403.40
8,536.50
growth rate 1.6% -57.7% 67.4% 1.6%
Liabilities 12,463.80
12,641.90
9,445.00
9,056.40
9,218.80
growth rate 1.4% -25.3% -4.1% 1.8%
LT Debt 787.10
777.60
777.90
653.00
653.10
growth rate -1.2% 0.0% -16.1% 0.0%
Equity 2,939.80
2,982.40
2,954.70
2,927.00
2,941.10
growth rate 1.5% -0.9% -0.9% 0.5%
Common Shares 0.60
0.60
0.60
0.60
0.60
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 4.30
0.70
0.70
3.90
2.60
growth rate -83.7% 0.0% 457.1% -33.3%
Cash Dividends 23.00
25.40
25.40
24.40
24.50
growth rate 10.4% 0.0% -3.9% 0.4%
Cash From OA 148.10
215.00
215.00
37.70
116.20
growth rate 45.2% 0.0% -82.5% 208.2%
Sale Purchase of Stock 4.80
growth rate
FCF 143.80
214.30
214.30
33.80
113.60
growth rate 49.0% 0.0% -84.2% 236.1%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 894.00
1,166.60
1,102.80
1,219.50
1,198.60
growth rate 30.5% -5.5% 10.6% -1.7%
Op.Income 88.40
133.90
40.50
158.00
119.10
growth rate 51.5% -69.8% 290.1% -24.6%
IBT 78.10
122.70
1.10
148.60
109.80
growth rate 57.1% -99.1% 13,409.1% -26.1%
Net Income 99.30
100.40
123.60
122.40
74.00
growth rate 1.1% 23.1% -1.0% -39.5%
EPS
growth rate
Gross Profit 185.40
265.80
169.60
290.40
250.40
growth rate 43.4% -36.2% 71.2% -13.8%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (39.38)

YOY Growth Grade:

E (26.95)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.51 12.53 13.38
EPS / Growth -7.6% 10.54 -1.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.3% 1.3%
Future PE 2.00 9.17 9.17
Future EPS 11.64 12.00 12.00
Value Price
MOS %
5.75
-95.6%
27.21
-79.4%
27.21
-79.4%
MOS Price 2.88 13.60 13.60
IRT 11.75 11.53 11.53

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.