| AF4 Stock | | | EUR 158.00 4.00 2.60% |
Director
Mr. Joseph R. Ramrath is an Independent Director of the Company. Mr. Ramrath was Managing Director of Colchester Partners LLC, an investment banking and strategic advisory firm, since 2002 since 2004.
| Age | 62 |
| Tenure | 20 years |
| Phone | 508 855 1000 |
| Web | https://www.hanover.com |
Ramrath was Executive Vice President and Chief Legal Officer of the United Asset Management division of Old Mutual plc, an international financial services firm headquartered in London, England, from 2000 to 2002. Prior to that, he was Senior Vice President, General Counsel and Secretary of United Asset Management Corporationration from 1996 until its acquisition by Old Mutual in 2000. Earlier in his career, Mr. Ramrath was a partner at Hill & Barlow, a Boston law firm, and a certified public accountant with Arthur Andersen & Co. We believe Mr. Ramrath’s qualifications to serve on our Board include his accounting, financial and legal background, his experience as a member of management and on the board of directors with other public companies, as well as his years of experience as an advisor to investment advisory companies.
Hanover Insurance Management Efficiency
Hanover Insurance's management efficiency ratios could be used to measure how well Hanover Insurance manages its routine affairs as well as how well it operates its assets and liabilities.
The Hanover Insurance has accumulated 782.4
M in total debt with debt to equity ratio
(D/E) of 0.25, which may suggest the company is not taking enough advantage from borrowing. Hanover Insurance has a current ratio of 0.36, indicating that it has a negative working capital and may not be able to pay financial obligations in time and when they become due. Debt can assist Hanover Insurance until it has trouble settling it off, either with new capital or with free cash flow. So, Hanover Insurance's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Hanover Insurance sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Hanover to invest in growth at high rates of return. When we think about Hanover Insurance's use of debt, we should always consider it together with cash and equity.
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The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services in the United States. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts. HANOVER INSUR operates under InsuranceProperty Casualty classification in Germany and is traded on Frankfurt Stock Exchange. It employs 4300 people. The Hanover Insurance (AF4) is traded on Frankfurt Exchange in Germany and employs 4,600 people.
Management Performance
Hanover Insurance Leadership Team
Elected by the shareholders, the Hanover Insurance's board of directors comprises two types of representatives: Hanover Insurance inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Hanover. The board's role is to monitor Hanover Insurance's management team and ensure that shareholders' interests are well served. Hanover Insurance's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Hanover Insurance's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Sarah Medina, President - Professional Liability | |
| Scott Grieco, Chief Product and Underwriting officer | |
| P Condron, Independent Chairman of the Board | |
| Martin Hughes, Independent Director | |
| John Roche, Senior Vice President and Presidentident - Business Insurance | |
| Harriett Taggart, Independent Director | |
| Cynthia Egan, Independent Vice Chairman of the Board | |
| Jeffrey Farber, Chief Financial Officer, Executive Vice President, Senior Finance Officer | |
| Ann Tripp, Executive Vice President, Chief Investment Officer, Treasurer and President, Opus Investment Management, Inc. | |
| Matthew Mitchell, President - Hanover's middle market business | |
| James Kelley, President - Hanover Specialty Industrial Property | |
| Jennifer Luisa, VP Officer | |
| Richard Lavey, Senior Vice President Chief Marketing and Distribution Officer | |
| Theodore Bunting, Director | |
| Gayle Falvey, VP COO | |
| Warren Barnes, Senior Vice President and Corporate Controller and Principal Accounting Officer | |
| Mark Welzenbach, Executive Vice President, Chief Claims Officer | |
| Lindsay Greenfield, Pres Director | |
| Wendell Knox, Independent Director | |
| Willard Lee, Chief VP | |
| Daniel Henry, Independent Director | |
| Mark Berthiaume, Executive Vice President, Chief Technology Innovation Officer | |
| Denise Lowsley, Chief Human Resource Officer, Executive Vice President | |
| Dennis Kerrigan, Executive Vice President General Counsel, Assistant Secretary | |
| Kathleen Lane, Independent Director | |
| Oksana Lukasheva, IR Contact Officer | |
| Joseph Ramrath, Independent Director | |
| Jane Carlin, Independent Director | |
| Kevin Bradicich, Independent Director | |
| Bryan Salvatore, Executive Vice President and Presidentident - Specialty | |
Hanover Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Hanover Insurance a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Currently Active Assets on Macroaxis
Additional Information and Resources on Investing in Hanover Stock
When determining whether Hanover Insurance is a strong investment it is important to analyze Hanover Insurance's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Hanover Insurance's
future performance.
For an informed investment choice regarding Hanover Stock, refer to the following important reports: Check out
Trending Equities to better understand how to build diversified portfolios, which includes a position in The Hanover Insurance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as
signals in board of governors.
You can also try the
Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.
Please note, there is a significant difference between Hanover Insurance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Hanover Insurance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Hanover Insurance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.