Earnings summaries and quarterly performance for HANOVER INSURANCE GROUP.
Executive leadership at HANOVER INSURANCE GROUP.
John C. Roche
President and Chief Executive Officer
Bryan J. Salvatore
Executive Vice President and President, Specialty
Dennis F. Kerrigan
Executive Vice President and Chief Legal Officer
Jeffrey M. Farber
Executive Vice President and Chief Financial Officer; Principal Accounting Officer
Richard W. Lavey
Executive Vice President and Chief Operating Officer
Board of directors at HANOVER INSURANCE GROUP.
Cynthia L. Egan
Chair of the Board
Elizabeth A. Ward
Director
Francisco A. Aristeguieta
Director
J. Paul Condrin III
Compensation and Human Capital Committee Chair
Jane D. Carlin
Audit Committee Chair
Joseph R. Ramrath
Nominating and Corporate Governance Committee Chair
Kathleen S. Lane
Director
Kevin J. Bradicich
Director
Theodore H. Bunting, Jr.
Director
Research analysts who have asked questions during HANOVER INSURANCE GROUP earnings calls.
Meyer Shields
Keefe, Bruyette & Woods
4 questions for THG
Michael Phillips
Oppenheimer & Co. Inc.
4 questions for THG
Michael Zaremski
BMO Capital Markets
3 questions for THG
Paul Newsome
Piper Sandler Companies
2 questions for THG
Bob Farnam
Janney Montgomery Scott LLC
1 question for THG
Jian Huang
Morgan Stanley
1 question for THG
Jon Paul Newsome
Piper Sandler & Co.
1 question for THG
Matthew Carletti
Citizens JMP Securities
1 question for THG
Mike Zaremski
BMO Capital Markets
1 question for THG
Recent press releases and 8-K filings for THG.
- THG delivered strong Q3 2025 financial results, including operating earnings per share of $5.09, a combined ratio of 91.1%, and an operating return on equity over 21%.
- Net investment income was exceptionally strong, increasing 27.5% from the prior year quarter to $117 million.
- The Personal Lines segment grew 3.6% with a current accident year ex cat combined ratio of 85.8%, while Core Commercial net written premium grew 3.5%.
- The Specialty segment saw net written premiums grow at a high single-digit pace with a current accident year combined ratio of 86%.
- The company is implementing an AI-powered underwriting tool to enhance efficiency and has $210 million of remaining capacity under its share repurchase program , with expectations for premium growth to continue to accelerate into 2026.
- The Hanover Insurance Group, Inc. reported record third quarter net and operating income per diluted share of $4.90 and $5.09, respectively, for Q3 2025. The company also achieved a combined ratio of 91.1%.
- Net premiums written increased by 4.5% in Q3 2025, accelerating from the second quarter of 2025. This growth was supported by robust renewal price increases of 10.5% in Personal Lines, 9.9% in Core Commercial, and 8.3% in Specialty.
- Net investment income rose by 27.5% to $117.0 million in Q3 2025, primarily due to higher earned yields and cashflows. This included a temporary benefit of approximately $2 million from the investment of funds from a recent $500 million debt issuance.
- Book value per share reached $96.00 as of September 30, 2025, representing a 7.1% increase from June 30, 2025, and a 21.2% increase from December 31, 2024.
- The Hanover Insurance Group delivered strong Q3 2025 results, reporting an operating return on equity over 21% and operating earnings per share of $5.09.
- The company achieved a combined ratio of 91.1%, with catastrophe losses at 3%, which was 3.8 points below their third-quarter assumption.
- Personal Lines demonstrated significant improvement, posting a current accident year ex-CAT combined ratio of 85.8% and achieving renewal price increases of 10.5%.
- THG is implementing an AI-powered underwriting tool to streamline the intake and triage of submissions, aiming for enhanced operating efficiency and accelerated processing times.
- Management expects premium growth to continue to accelerate and remains committed to a long-term goal of 20 basis points per annum improvement in the expense ratio.
- The Hanover Insurance Group reported record third-quarter 2025 net income of $178.7 million, or $4.90 per diluted share, and operating income of $185.6 million, or $5.09 per diluted share, compared to $102.1 million ($2.80 per diluted share) and $111.3 million ($3.05 per diluted share) in the prior-year quarter, respectively.
- The company achieved a combined ratio of 91.1% (88.1% excluding catastrophes) and saw net premiums written increase by 4.5% in the third quarter of 2025.
- Book value per share stood at $96.00 as of September 30, 2025, marking a 21.2% increase from December 31, 2024, and the company returned approximately $171 million to shareholders through dividends and share repurchases year-to-date through September 2025.
Quarterly earnings call transcripts for HANOVER INSURANCE GROUP.
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