The Hanover Insurance Group (FRA:AF4) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
The Hanover Insurance Group EBITDA Margin % Related Terms
The Hanover Insurance Group EBITDA Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:AF4 vs KNSL, MCY, SIGI: EBITDA Margin % Comparison
For the Insurance - Property & Casualty subindustry, The Hanover Insurance Group's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
The Hanover Insurance Group EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, The Hanover Insurance Group's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where The Hanover Insurance Group's EBITDA Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
The Hanover Insurance Group (FRA:AF4) has a EBITDA Margin % of 14.56% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on The Hanover Insurance Group and its competitors. This is 63% above median its historical median of 8.93. Over the past decade, The Hanover Insurance Group's EBITDA Margin % has ranged from 1.37 to 14.43. According to the industry distribution chart, The Hanover Insurance Group ranks #192 out of 369 companies in the Insurance industry, placing it in the top 52%.
Is The Hanover Insurance Group's EBITDA Margin % too high?
The Hanover Insurance Group's current EBITDA Margin % of 14.56% is 63% above median its 10-year median of 8.93. Over the past 10 years, this metric has ranged from a low of 1.37 to a high of 14.43. The Insurance industry median EBITDA Margin % is 14.81. The Hanover Insurance Group's value of 14.56% is 1.7% below this industry median. Based on the distribution chart, The Hanover Insurance Group ranks #192 out of 369 companies in the Insurance industry, which is below the industry midpoint. Overall, The Hanover Insurance Group has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Hanover Insurance Group's EBITDA Margin % compare to KNSL and MCY?
According to the Insurance industry distribution chart, The Hanover Insurance Group ranks #192 out of 369 companies for EBITDA Margin %. This places The Hanover Insurance Group in the lower half of its industry. The industry median EBITDA Margin % is 14.81. The Hanover Insurance Group's value of 14.56% is 1.7% below this benchmark. Historically, The Hanover Insurance Group's own EBITDA Margin % has ranged from 1.37 to 14.43 over the past decade. While the company's 10-year median is 8.93 vs. the industry median of 14.81, The Hanover Insurance Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.81, based on 369 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Hanover Insurance Group's current EBITDA Margin % of 14.56% is 1.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on The Hanover Insurance Group and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Hanover Insurance Group's current EBITDA Margin % is 14.56%, which is 63% above median its own 10-year median of 8.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Hanover Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, The Hanover Insurance Group (FRA:AF4) is currently considered Fairly Valued. The stock's GF Value™ is €172.06, compared to a current price of €180.00 — trading 4.6% above its estimated fair value. The current EBITDA Margin % is 14.56%, which is 63% above median its 10-year median of 8.93 and 1.7% below the Insurance industry median of 14.81. The Hanover Insurance Group's overall GF Score™ is 80/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For The Hanover Insurance Group (FRA:AF4), the current EBITDA Margin % is 14.56% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is The Hanover Insurance Group (FRA:AF4) Overvalued in 2026?
Based on GuruFocus' analysis, The Hanover Insurance Group stock appears to be overvalued.
The current stock price of €180.00 is trading 4.6% above its estimated GF Value™ of €172.06.
GuruFocus considers The Hanover Insurance Group to be Fairly Valued.
Key valuation signals for FRA:AF4:
EBITDA Margin %: 14.56% (63% above median its 10-year median of 8.93)
GF Value™: €172.06 vs. price of €180.00 (4.6% above fair value)
Industry Position: 1.7% below the Insurance median (#192 of 369)
No single metric tells the full story. See the FRA:AF4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Hanover Insurance Group Inc is a holding company whose primary business is offering property and casualty insurance products and services. The company markets itself through independent agents and brokers in the United States while conducting business through Hanover Insurance, Citizens and other THG subsidiaries. The company conducts business operations through four operating segments: Core Commercial, Specialty, Personal Lines, and Other. The company operates an investment portfolio that is exposed to fixed-income securities.
80GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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