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The Hanover Insurance Group THG Personal Lines — Catastrophe Losses

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Other financials

Income statement

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Revenue$1.7B+6.1%
Operating income$250.2M+34.2%
Net income$186.8M+45.7%
EPS (diluted)$5.20+48.6%

Balance sheet

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Cash & equivalents$243.5M-22.7%
Total debt$843.8M+7.6%
Total equity$3.6B+17.3%
Total assets$16.5B+6.8%

Cash flow

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Operating cash flow$118.8M+205%
CapEx$3.5M+94.4%
Free cash flow$115.3M+211%

Valuation

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Market cap$6.92B-2.7%
Enterprise value$7.53B-0.6%
P/E9.6×-6.6×
P/S-0.1×

Profitability

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Operating margin13.4%
Net margin10.8%+3.8pp
FCF margin18.7%+6.3pp

Returns & leverage

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Return on equity21.8%+6.0pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by The Hanover Insurance Group in its filing.

Tagged under the XBRL concept thg:CatastropheLosses.

The official record: The Hanover Insurance Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is The Hanover Insurance Group's personal lines — catastrophe losses?
The Hanover Insurance Group (THG) reported personal lines — catastrophe losses of $34.95M in Q4 2025.
How has The Hanover Insurance Group's personal lines — catastrophe losses changed year-over-year?
The Hanover Insurance Group's personal lines — catastrophe losses decreased by 45.4% year-over-year, from $64.05M to $34.95M.
What is the long-term trend for The Hanover Insurance Group's personal lines — catastrophe losses?
Over 3 years (2022 to 2025), The Hanover Insurance Group's personal lines — catastrophe losses has grown at a -4.8% compound annual growth rate (CAGR), from $162.2M to $139.8M.
What does personal lines — catastrophe losses mean?
This represents the financial impact of large-scale, unpredictable events such as natural disasters on the Personal Lines insurance portfolio. Monitoring this metric helps investors understand the segment's exposure to volatility and the effectiveness of its catastrophe risk management strategies.