Discounted Cash Flow
Hanover Insurance Group, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $4.9b | $155.1m | $721.9m | 3.1% | $3.63 |
| 2017 | $5.2b (4.8%) | $186.2m (20.1%) | $686.0m (-5.0%) | 3.6% (14.5%) | $4.38 (20.7%) |
| 2018 | $4.5b (-13.3%) | $391.0m (110.0%) | $538.2m (-21.5%) | 8.7% (142.2%) | $9.21 (110.3%) |
| 2019 | $4.9b (8.8%) | $425.1m (8.7%) | $589.6m (9.6%) | 8.7% (-0.1%) | $10.62 (15.3%) |
| 2020 | $4.8b (-1.3%) | $358.7m (-15.6%) | $692.7m (17.5%) | 7.4% (-14.5%) | $9.52 (-10.4%) |
| 2021 | $5.2b (8.3%) | $418.7m (16.7%) | $815.7m (17.8%) | 8.0% (7.8%) | $11.67 (22.6%) |
| 2022 | $5.5b (4.6%) | $116.0m (-72.3%) | $704.5m (-13.6%) | 2.1% (-73.5%) | $3.26 (-72.1%) |
| 2023 | $6.0b (9.6%) | $35.3m (-69.6%) | $349.8m (-50.3%) | 0.6% (-72.2%) | $0.99 (-69.6%) |
| 2024 | $6.2b (4.1%) | $426.0m (1106.8%) | $796.2m (127.6%) | 6.8% (1059.6%) | $11.85 (1097.0%) |
| 2025 | $6.6b (5.7%) | $662.5m (55.5%) | $1.2b (47.0%) | 10.0% (47.1%) | $18.50 (56.1%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.