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The Hanover Insurance Group THG Personal Lines — Policyholder Benefits And Claims Incurred Net

Other segment segments

Core Commercial Lines
$360M-5.0%
Specialty Lines
$172.2M+0.1%
All Other Segments
-$0

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HIGLife Insurance Product Line — Policyholder Benefits and Claims Incurred, Net
$488M-6.0%
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JXNPolicyholder Benefits And Claims Incurred Net
$231.75M+6.8%
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WRBInsurance — Policyholder Benefits and Claims Incurred, Net
$1.77B+4.7%
Primerica logo
PRIPolicyholder Benefits And Claims Incurred Net
$171.25M-2.1%

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 us-gaap:PolicyholderBenefitsAndClaimsIncurredNet.

The official record: The Hanover Insurance Group’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is The Hanover Insurance Group's personal lines — policyholder benefits and claims incurred net?
The Hanover Insurance Group (THG) reported personal lines — policyholder benefits and claims incurred net of $425.4M in Q1 2026.
How has The Hanover Insurance Group's personal lines — policyholder benefits and claims incurred net changed year-over-year?
The Hanover Insurance Group's personal lines — policyholder benefits and claims incurred net increased by 5.2% year-over-year, from $404.3M to $425.4M.
What is the long-term trend for The Hanover Insurance Group's personal lines — policyholder benefits and claims incurred net?
Over 3 years (2022 to 2025), The Hanover Insurance Group's personal lines — policyholder benefits and claims incurred net has grown at a -0.1% compound annual growth rate (CAGR), from $1.64B to $1.64B.
What does personal lines — policyholder benefits and claims incurred net mean?
This is the total cost of claims and associated benefits paid or reserved for policyholders during the period, net of reinsurance recoveries. It is the primary expense component for an insurance segment and directly impacts underwriting margins. Tracking this helps investors understand the core cost of the insurance product.