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Hanover Insurance (DE:AF4)
FRANKFURT:AF4
Germany Market
AF4
Hanover Insurance
RESEARCH TOOLSreports

Hanover Insurance (AF4) Ratios

2 Followers

Hanover Insurance Ratios

DE:AF4's free cash flow for Q2 2026 was $0.44. For the 2026 fiscal year, DE:AF4's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 122.53 0.62 7.18 0.33 2.61
Quick Ratio
 122.53 0.62 7.18 0.33 2.61
Cash Ratio
 5.31 0.10 0.53 0.05 0.42
Solvency Ratio
 0.06 0.05 0.03 <0.01 0.01
Operating Cash Flow Ratio
 25.22 0.10 0.98 0.06 0.99
Short-Term Operating Cash Flow Coverage
 25.22 0.00 13.05 0.00 0.00
Net Current Asset Value
$ -7.05B$ -6.43B$ -6.54B$ -10.13B$ -9.76B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.07 0.05 0.05 0.06
Debt-to-Equity Ratio
 0.23 0.34 0.28 0.32 0.34
Debt-to-Capital Ratio
 0.19 0.25 0.22 0.24 0.25
Long-Term Debt-to-Capital Ratio
 0.18 0.25 0.20 0.24 0.25
Financial Leverage Ratio
 4.59 4.74 5.37 5.93 6.00
Debt Service Coverage Ratio
 8.19 16.19 4.81 2.17 4.80
Interest Coverage Ratio
 20.57 19.53 15.77 1.21 4.22
Debt to Market Cap
 0.11 0.19 0.14 0.18 0.16
Interest Debt Per Share
 25.10 35.34 22.79 22.89 22.74
Net Debt to EBITDA
 0.57 0.11 0.61 5.73 2.50
Profitability Margins
Gross Profit Margin
39.89%43.47%19.91%10.95%13.18%
EBIT Margin
15.00%13.44%9.20%1.26%3.28%
EBITDA Margin
14.92%13.37%9.22%1.37%3.52%
Operating Profit Margin
14.30%12.79%8.65%0.69%2.65%
Pretax Profit Margin
14.30%12.79%8.65%0.69%2.65%
Net Profit Margin
11.18%10.04%6.85%0.59%2.14%
Continuous Operations Profit Margin
11.15%10.01%6.84%0.56%2.15%
Net Income Per EBT
78.17%78.51%79.21%85.89%80.56%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
4.48%3.91%2.79%0.24%0.83%
Return on Equity (ROE)
21.22%18.55%14.99%1.43%4.97%
Return on Capital Employed (ROCE)
5.75%14.79%3.72%0.48%1.09%
Return on Invested Capital (ROIC)
4.47%11.58%2.93%-1.02%7.52%
Return on Tangible Assets
4.73%4.12%2.95%0.24%0.84%
Earnings Yield
9.42%10.15%7.67%0.81%2.39%
Efficiency Ratios
Receivables Turnover
 3.47 1.67 1.61 3.50 3.39
Payables Turnover
 90.06 82.51 132.07 82.59 67.09
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.34 0.00 0.00 0.00 0.00
Asset Turnover
 0.40 0.39 0.41 0.41 0.39
Working Capital Turnover Ratio
 1.66 16.99 1.12 -4.12 2.30
Cash Conversion Cycle
 101.28 214.24 224.16 99.97 102.15
Days of Sales Outstanding
 105.33 218.67 226.93 104.39 107.59
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 4.05 4.42 2.76 4.42 5.44
Operating Cycle
 105.33 218.67 226.93 104.39 107.59
Cash Flow Ratios
Operating Cash Flow Per Share
 35.60 33.00 22.46 10.13 20.11
Free Cash Flow Per Share
 35.30 32.78 22.18 9.80 19.62
CapEx Per Share
 0.30 0.22 0.28 0.33 0.50
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.99 0.97 0.98
Dividend Paid and CapEx Coverage Ratio
 8.83 8.52 6.00 2.80 5.70
Capital Expenditure Coverage Ratio
 119.22 153.00 79.06 30.39 40.58
Operating Cash Flow Coverage Ratio
 1.50 0.97 1.03 0.46 0.92
Operating Cash Flow to Sales Ratio
 0.19 0.18 0.13 0.06 0.13
Free Cash Flow Yield
15.94%17.94%14.34%8.07%14.52%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.64 9.87 13.05 122.80 41.84
Price-to-Sales (P/S) Ratio
 1.16 0.99 0.89 0.73 0.89
Price-to-Book (P/B) Ratio
 2.18 1.83 1.95 1.76 2.08
Price-to-Free Cash Flow (P/FCF) Ratio
 6.28 5.57 6.97 12.39 6.89
Price-to-Operating Cash Flow Ratio
 6.34 5.54 6.89 11.98 6.72
Price-to-Earnings Growth (PEG) Ratio
 0.27 0.18 0.01 -1.77 -0.57
Price-to-Fair Value
 2.18 1.83 1.95 1.76 2.08
Enterprise Value Multiple
 8.37 7.50 10.29 58.92 27.91
Enterprise Value
 8.44B 6.62B 5.90B 4.80B 5.33B
EV to EBITDA
 8.37 7.50 10.29 58.92 27.91
EV to Sales
 1.25 1.00 0.95 0.81 0.98
EV to Free Cash Flow
 6.74 5.66 7.41 13.73 7.57
EV to Operating Cash Flow
 6.68 5.62 7.32 13.28 7.38
Tangible Book Value Per Share
 78.24 75.34 55.72 64.06 60.00
Shareholders’ Equity Per Share
 103.45 100.04 79.16 69.06 64.98
Tax and Other Ratios
Effective Tax Rate
 0.22 0.22 0.21 0.18 0.19
Revenue Per Share
 190.36 184.80 173.17 167.04 151.28
Net Income Per Share
 21.28 18.56 11.87 0.99 3.23
Tax Burden
 0.78 0.79 0.79 0.86 0.81
Interest Burden
 0.95 0.95 0.94 0.55 0.81
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.15 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 1.67 1.78 1.89 10.25 6.23
Currency in USD