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Hanover Insurance (THG)
NYSE:THG
Earnings Data
Report Date
Jul 30, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
2.99Last Year’s EPS
1.88Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 30, 2025
|% Change Since: -1.48%
|Next Earnings Date:Jul 30, 2025
Earnings Call Sentiment|Neutral
The earnings call highlighted strong financial performance with record operating earnings per share and significant improvements in Personal Lines and Specialty segments. However, the company faced challenges from catastrophe losses and competitive pressures in certain segments.Company Guidance
During the first quarter earnings call for Hanover Insurance Group, the company provided detailed guidance and performance metrics for 2025. They reported a strong operating return on equity of 17.2% despite significant catastrophe losses, including those from California wildfires and convective storms. Overall net written premium growth was 3.9%, with Personal Lines achieving a 3.0% increase and Specialty Lines seeing a 5.4% rise. Excluding the Midwest, Personal Lines showed a 7.1% growth. The company highlighted a record operating earnings per share of $3.87 and a combined ratio of 94.1%, with catastrophe losses contributing 6.3% to the ratio. Specialty segments excluding program growth reached 7.3%, driven by solid performance in surety, excess and surplus lines, marine, and healthcare. Pricing adjustments and strategic market diversifications are expected to sustain profitability and growth. The company is prepared to navigate potential economic uncertainties such as tariffs and recession risks, emphasizing their strong pricing infrastructure and disciplined execution.Strong Operating Return on Equity
The company delivered a strong operating return on equity of 17.2% in the first quarter, reflecting robust financial performance despite significant catastrophe losses.
Record Operating Earnings Per Share
Achieved excellent operating earnings per share of $3.87, setting a first-quarter record.
Improved Personal Lines Performance
Personal Lines achieved an ex-CAT combined ratio of 84.1%, a 7-point improvement from the prior year period, driven by earned pricing and favorable loss trends.
Specialty Segment Growth
The Specialty segment's premium growth reached 5.4% with a sub-90s combined ratio, highlighting disciplined risk management and operational excellence.
Investment Income Growth
Net investment income increased by 18.3% in the quarter, driven by higher earned yields within the fixed-income portfolio and continued growth in operating cash flows.
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THG Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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THG Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 30, 2025 | $166.10 | $165.59 | -0.31% |
Feb 04, 2025 | $152.12 | $159.36 | +4.76% |
Oct 30, 2024 | $149.74 | $146.67 | -2.05% |
Jul 31, 2024 | $135.16 | $132.74 | -1.79% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Hanover Insurance (THG) report earnings?
Hanover Insurance (THG) is schdueled to report earning on Jul 30, 2025, TBA Not Confirmed.
What is Hanover Insurance (THG) earnings time?
Hanover Insurance (THG) earnings time is at Jul 30, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is THG EPS forecast?
THG EPS forecast for the fiscal quarter 2025 (Q2) is 2.99.
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