WORCESTER, Mass., Feb. 5, 2026 /PRNewswire/ -- The Hanover Insurance Group, Inc. (NYSE: THG) and its employees raised more than $1.5 million through their annual employee giving campaign to support nonprofit organizations across the country, including United Way, Feeding America and Boys and Girls Club of America, as well as thousands of other national and local nonprofits. For more than 70 years, The Hanover has sponsored an annual employee giving campaign that creates opportunities for its employees to s ...

The Hanover Insurance Group (NYSE:THG) Q4 2025 Earnings call February 04, 2026 10:00 AM ET Company ParticipantsBryan Salvatore - President of Specialty LinesDick Lavey - COO and President of Agency MarketsJack Roche - President and CEOJeff Farber - CFOMeyer Shields - MDOksana Lukasheva - Head of Investor RelationsConference Call ParticipantsDaniel Lee - AnalystMichael Phillips - MD and Senior AnalystMike Zaremski - MD and Senior Equity Research AnalystPaul Newsome - MD and Senior Research AnalystRoland Maye ...

The Hanover Insurance Group (NYSE:THG) Q4 2025 Earnings call February 04, 2026 10:00 AM ET Company ParticipantsBryan Salvatore - President of Specialty LinesDick Lavey - COO and President of Agency MarketsJack Roche - President and CEOJeff Farber - CFOMeyer Shields - MDOksana Lukasheva - Head of Investor RelationsConference Call ParticipantsDaniel Lee - AnalystMichael Phillips - MD and Senior AnalystMike Zaremski - MD and Senior Equity Research AnalystPaul Newsome - MD and Senior Research AnalystRoland Meye ...

The Hanover Insurance Group (NYSE:THG) Q4 2025 Earnings call February 04, 2026 10:00 AM ET Speaker9Welcome to The Hanover Insurance Group's fourth quarter earnings conference call. My name is Nick, and I'll be your operator for today's call. At this time, all participants are in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may p ...

The Hanover Insurance Group, Inc. Fourth Quarter and Full-Year 2025 Results February 3, 2026 Excellent Fourth Quarter and Full-Year 2025 Operating Results Fourth quarter highlights Full-year highlights tax(7), book value per share increased 15.3% (1) See information about this and other non-GAAP measures and definitions used throughout this presentation on the final pages of this document. 2 *Unless otherwise stated, net premiums written growth and other growth comparisons are to the same period of the prio ...

The Hanover Insurance Group, Inc., a property and casualty insurer, reported a record net income of $198.5 million in the fourth quarter of 2025, an 18.2% increase compared to $167.9 million in the same quarter a year prior.In the quarter, operating income stood at $210.1 million, an 8% increase compared to $194.6 million in Q4’24.The company generated net premiums written of $1.49 billion, up 3% from $1.45 billion. Net premiums earned totalled $1.56 billion, marking a 3% increase from $1.51 billion.The Han ...

Financial Performance - Hanover Insurance Group reported revenue of $1.69 billion for the quarter ended December 2025, reflecting a 4.3% increase year-over-year [1] - The earnings per share (EPS) was $5.79, up from $5.32 in the same quarter last year, representing an EPS surprise of +11.28% against a consensus estimate of $5.20 [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $1.71 billion, resulting in a surprise of -1.46% [1] Key Metrics - Core Commercial Loss and LAE Ratio was 61.9%, better than the three-analyst average estimate of 63.4% [4] - Core Commercial Expense Ratio stood at 34.2%, slightly above the three-analyst average estimate of 33.7% [4] - Core Commercial Combined Ratio was reported at 96.1%, compared to the average estimate of 97% [4] - Specialty Loss and LAE Ratio was 45.8%, outperforming the three-analyst average estimate of 49.7% [4] Revenue Breakdown - Net investment income was $125.8 million, exceeding the average estimate of $116 million, marking a year-over-year increase of +24.9% [4] - Premiums earned totaled $1.56 billion, slightly below the three-analyst average estimate of $1.59 billion, with a year-over-year change of +3% [4] - Core Commercial Net Premiums Earned was $561.5 million, compared to the average estimate of $573.24 million, reflecting a +2.2% year-over-year change [4] - Specialty Net Premiums Earned reached $348.9 million, below the average estimate of $363.58 million, with a +2.8% year-over-year change [4] - Personal Lines Net Premiums Earned was $646.2 million, slightly below the estimated $651 million, representing a +3.7% change year-over-year [4] Investment Performance - Shares of Hanover Insurance have returned -3.3% over the past month, while the Zacks S&P 500 composite increased by +1.8% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Financial Performance - Gross premiums written for Q4 2025 totaled $1,666.6 million, an increase from $1,596.2 million in Q4 2024, representing a growth of 4.4% year-over-year[8] - Net premiums earned for the full year 2025 reached $6,161.1 million, up from $5,912.6 million in 2024, indicating a year-over-year increase of 4.2%[8] - Operating income after taxes for Q4 2025 was $210.1 million, compared to $194.6 million in Q4 2024, reflecting an increase of 7.8%[8] - Net income for the full year 2025 was $662.5 million, a rise from $426.0 million in 2024, marking a significant increase of 55.5%[8] - Total revenues for Q4 2025 were $1,671.8 million, up 5.5% from $1,584.3 million in Q4 2024, and for the full year, total revenues increased by 5.7% to $6,594.4 million from $6,237.4 million[11] - Net income for Q4 2025 was $198.5 million, an 18.2% increase from $167.9 million in Q4 2024, and for the full year, net income rose by 55.5% to $662.5 million from $426.0 million[11] Assets and Equity - Total assets as of December 31, 2025, were $16,945.9 million, up from $15,274.5 million at the end of 2024, showing a growth of 10.9%[8] - Total shareholders' equity increased to $3,571.5 million in Q4 2025, compared to $2,841.8 million in Q4 2024, representing a growth of 25.8%[8] - The book value per share rose to $100.90 in Q4 2025, up from $79.18 in Q4 2024, indicating a year-over-year increase of 27.4%[8] Liabilities and Debt - Total liabilities increased by 7.6% to $13,374.4 million as of December 31, 2025, compared to $12,432.7 million in 2024[13] - Total debt to equity ratio decreased to 34.1% in Q4 2025 from 27.6% in Q4 2024, indicating a reduction in leverage[8] - The company experienced a 70.6% increase in interest expense for Q4 2025, amounting to $14.5 million compared to $8.5 million in Q4 2024[11] Investment Income - Net investment income for Q4 2025 was $125.8 million, a 24.9% increase from $100.7 million in Q4 2024, and for the full year, it increased by 22.0% to $454.4 million from $372.6 million[11] - Net investment income increased from $372.6 million in 2024 to $454.4 million in 2025, marking a growth of 21.9%[18] - Net investment income for Q1 2024 was $40.8 million, with a year-to-date total of $170.4 million, projected to rise to $202.5 million in 2025[21] Underwriting Performance - The combined ratio for Q4 2025 was 96.1%, compared to 89.0% in Q4 2024, indicating a deterioration in underwriting performance[15] - GAAP underwriting profit improved from $284.5 million in 2024 to $492.5 million in 2025, a significant increase of 73.1%[18] - The combined ratio improved from 94.8% in 2024 to 91.6% in 2025, indicating better operational efficiency[18] - The loss and LAE ratio for the current year, excluding catastrophe losses, was 57.1% in 2025, compared to 58.2% in 2024, indicating improved loss management[18] Catastrophe Losses - Current year catastrophe losses decreased from $417.9 million in 2024 to $302.3 million in 2025, a reduction of 27.6%[18] - Current year catastrophe losses were $139.8 million in 2025, a decrease from $256.2 million in 2024, showing a decline of 45.5%[33] Shareholder Returns - The quarterly cash dividend for December 31, 2025, was increased to $0.950 per share, up from $0.900 in the previous quarter[66] - The diluted earnings per share for the year ended December 31, 2025, was $18.16, compared to $11.70 in 2024, reflecting a 55.5% increase[53] Operational Efficiency - The company aims to maintain a combined ratio below 90% in the upcoming quarters, focusing on operational efficiency and cost management[25] - The expense ratio remained stable, slightly decreasing from 31.3% in 2024 to 31.1% in 2025[18] - The expense ratio remained stable at 25.7% in 2025 compared to 25.6% in 2024[33]

The Hanover Reports Record Fourth Quarter Net Income and Operating Income of $5.47 and $5.79 per Diluted Share, Respectively; Record Full-Year Net Income and Operating Income of $18.16 and $19.09 per Diluted Share, Respectively [Accessibility Statement] Skip NavigationFourth Quarter Highlights- On December 1, 2025, the Board of Directors approved an increase of 5.6% to the ordinary quarterly cash dividend- Book value per share of $100.90, up 5.1% from September 30, 2025- Net investment income of $125.8 mill ...

WORCESTER, Mass., Jan. 27, 2026 /PRNewswire/ -- The Hanover Insurance Group, Inc. (NYSE: THG) today announced John C. Roche, president and chief executive officer, and Jeffrey M. Farber, executive vice president and chief financial officer, are scheduled to participate in a fireside chat at the Bank of America Securities Financial Services Conference on Tuesday, February 10, 2026, from 2:40 p.m. to 3:20 p.m. Eastern Time. Roche and Farber will also host several one-on-one and group meetings with investors ...