Gayle Falvey - Hanover Insurance VP COO

AF4 Stock  EUR 151.00  1.00  0.66%   

Insider

Gayle Falvey is VP COO of The Hanover Insurance
Phone508 855 1000
Webhttps://www.hanover.com

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.

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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 Technical Analysis module to check basic technical indicators and analysis based on most latest market data.
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.