The earnings call reflected strong performance and growth across various segments, particularly in Personal Lines and Specialty. Despite some challenges in commercial auto and competitive pressures in the middle market, the positive developments, including record operating ROE, significant earnings growth, and strategic investments in technology, indicate a strong positive momentum going forward.

Company Guidance

In the second quarter earnings call for The Hanover Insurance Group, key financial metrics highlighted a robust performance. The company reported an operating return on equity (ROE) of 18.7%, a record for the second quarter, alongside operating earnings of $4.35 per diluted share. Earnings growth was approximately 25% on an ex-catastrophe basis. The combined ratio improved by around 7 points year-over-year, reaching 92.5%, while the ex-catastrophe combined ratio was 85.5%, showing a 3-point improvement. Personal Lines exhibited strong performance with a current accident year ex-catastrophe combined ratio of 84.8%, improving by 5.4 points from the previous year, and net written premium growth of 3.7%. Specialty Lines also performed well with a 4.6% increase in net written premiums and a mid-80s combined ratio, while Core Commercial maintained a solid sub-90s ex-catastrophe combined ratio, showing the effectiveness of prior strategic actions. Overall growth prospects for the second half of 2025 were positive, with expected net written premium growth in the 6% to 7% range. The company also noted ongoing investments in technology and analytics to drive operational efficiency and future growth.

Record Operating ROE

Operating ROE was 18.7%, a record for the second quarter.

Significant Earnings Growth

Operating earnings of $4.35 per diluted share and earnings growth of approximately 25% on an ex-CAT basis.

Improved Combined Ratios

Overall combined ratio and ex-CAT combined ratio improved by approximately 7 points and 3 points, respectively, compared to the second quarter of last year.

Strong Personal Lines Performance

Personal Lines business achieved more balanced growth and strong profitability, with net written premium growth driven by renewal price increases and improving retention.

Specialty Segment Profitability

Specialty segment achieved a net written premium growth of 4.6% and an impressive mid-80s combined ratio, with E&S growing 22%.

Investment in Technology

Strategic investments in data and technology, including generative AI and AI capabilities, to enhance operational efficiency and growth.

Hanover Insurance (THG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

THG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 29, 2025	2025 (Q3)	3.67 / -	3.05	―	―	―
Jul 30, 2025	2025 (Q2)	3.12 / 4.35	1.88	131.38% (+2.47)
Apr 30, 2025	2025 (Q1)	3.45 / 3.87	3.08	25.65% (+0.79)
Feb 04, 2025	2024 (Q4)	3.37 / 5.32	3.13	69.97% (+2.19)
Oct 30, 2024	2024 (Q3)	2.53 / 3.05	0.19	1505.26% (+2.86)
Jul 31, 2024	2024 (Q2)	1.88 / 1.88	-1.91	198.43% (+3.79)
May 01, 2024	2024 (Q1)	2.71 / 3.08	0.13	2269.23% (+2.95)
Jan 31, 2024	2023 (Q4)	2.73 / 3.13	-1.05	398.10% (+4.18)
Nov 01, 2023	2023 (Q3)	0.19 / 0.19	0.99	-80.81% (-0.80)
Aug 02, 2023	2023 (Q2)	-1.91 / -1.91	2.32	-182.33% (-4.23)

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

THG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 30, 2025	$165.24	$171.63	+3.87%
Apr 30, 2025	$165.23	$164.72	-0.31%
Feb 04, 2025	$151.32	$158.53	+4.76%
Oct 30, 2024	$148.95	$145.90	-2.05%

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.

FAQ

When does The Hanover Insurance (THG) report earnings?

The Hanover Insurance (THG) is schdueled to report earning on Oct 29, 2025, After Close (Confirmed).

What is The Hanover Insurance (THG) earnings time?

The Hanover Insurance (THG) earnings time is at Oct 29, 2025, After Close (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 (Q3) is 3.67.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing