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Market Price


0.00 0.0%

as of Jul 02 '20

52 Week Range:

12.00 26.44

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 and internationally. It operates through four segments: Commercial Lines, Personal Lines, Chaucer, and Other. The Commercial Lines segment offers commercial multiple peril, commercial automobile, workers' compensation, and other commercial coverages, such as inland marine, specialty program business, management and professional liability, surety, and specialty property, as well as monoline general liability, umbrella, healthcare, and miscellaneous commercial property insurance products. The Personal Lines segment provides personal automobile and homeowners coverages, as well as other personal coverages, including personal inland marine, umbrella, fire, personal watercraft, earthquake, and other miscellaneous coverages. The Chaucer segment offers marine, aviation, and political insurance; casualty comprising international liability, specialist coverages, and run-off syndicate participations; and energy, property, and assumed reinsurance treaty insurance services. The Other segment markets investment management and advisory services to institutions, pension funds, and other organizations. The company markets its products and services through a network of 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.

There is no data presented at this time.

Annual Statements

There is no data presented at this time.

Quarterly Statements

Item Name Sep '15 Dec '15 Mar '16 Jun '16
Earnings BIT 124.80
growth rate -8.7% 7.7% -93.1%
Balance Sheet Sep '15 Dec '15 Mar '16 Jun '16
Acct.Payable 935.80
growth rate -0.6% -3.7% -3.0%
Cur.Assets 0.00 0.00 0.00 0.00
growth rate
Total Assets 14,041.00
growth rate -1.8% 1.7% 1.0%
Cash 385.10
growth rate -12.0% 20.0% -11.1%
Inventory 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 0.00 0.00 0.00 0.00
growth rate
Liabilities 11,163.50
growth rate -1.9% 1.1% 0.8%
LT Debt 1,059.30
growth rate -3.9% 8.6% -2.9%
Equity 2,877.50
growth rate -1.2% 4.0% 1.8%
Cash Flow Statement Sep '15 Dec '15 Mar '16 Jun '16
Capital Expenditures 6.40
growth rate -21.9% 28.0% -67.2%
Cash From OA 251.70
growth rate -66.6% -8.3% 100.8%
Sale Purchase of Stock -56.80
growth rate 0.0% 0.0% 0.0%
FCF 245.30
growth rate -67.8% -10.6% 116.0%
Income Statement Sep '15 Dec '15 Mar '16 Jun '16
Sales 1,233.50
growth rate -2.3% 1.9% -0.5%
Op.Income 77.20
growth rate 0.8% 0.4% -97.6%
Net Income 78.30
growth rate -0.9% 0.8% -97.4%
Gross Profit 542.80
growth rate -2.5% -0.3% -6.8%
R&D 0.00 0.00 0.00 0.00
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:

F (0.00)

YOY Growth Grade:

F (0.00)

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 5.77 5.88
EPS / Growth 4.34

Value Price & Investment Recovery Time

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

Equity Growth Rate:

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.0% 0.0% 0.0%
Future PE 0.00 0.01 0.01
Future EPS 4.34 4.34 4.34
Value Price
MOS Price 0.00 0.00 0.00
IRT 5.88 5.88 5.88

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

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Risk / Reward Ratios

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