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The Hanover Insurance Group THG Personal Lines — Supplementary Insurance Information Other Operating Expense

Other segment segments

Core Commercial Lines
$274.7M-1.2%
Specialty Lines
$165.5M+3.1%
All Other Segments
$14.1M-19.4%

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Other financials

Income statement

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Revenue$1.7B+4.3%
Operating income$251.9M+20.0%
Net income$191.6M+22.0%
EPS (diluted)$5.38+25.1%

Balance sheet

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Cash & equivalents$266.1M+9.0%
Total debt$844.0M+7.6%
Total equity$3.7B+14.2%
Total assets$16.9B+7.2%

Cash flow

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Operating cash flow$212.3M+2.8%
CapEx$2.9M+70.6%
Free cash flow$209.4M+2.2%

Valuation

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Market cap$7.98B+28.5%
Enterprise value$8.56B+26.8%
P/E10.6×-0.6×
P/S1.2×+0.2×

Profitability

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Operating margin14.2%
Net margin11.2%+2.5pp
FCF margin18.5%+5.3pp

Returns & leverage

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Return on equity21.9%+2.7pp
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:SupplementaryInsuranceInformationOtherOperatingExpense.

The source filing: The Hanover Insurance Group’s 10-K, filed February 20, 2026.

Filed
Feb 20, 2026, 1:43 PM EST
Fiscal year
FY2025
Accession
0001193125-26-060983
DECEMBER 31, 2025 / (in millions) / SegmentsDECEMBER 31, 2025 / DeferredacquisitioncostsFuturepolicybenefits,losses,claimsand lossexpensesUnearnedpremiumsOtherpolicyclaimsandbenefitspayablePremium revenueNetinvestmentincome (1)Benefits,claims,lossesandsettlementexpensesAmortizationof deferredacquisitioncostsOtheroperatingexpenses(2)Premiumswritten
Core Commercial$234.6$3,853.1$1,187.9$8.3$2,211.0$202.5$1,411.9$481.2$274.7$2,273.7
Specialty227.01,725.7850.87.11,398.3102.6676.9367.2165.51,441.5
Personal Lines241.42,131.41,401.72,551.8128.51,639.8436.8238.62,606.9
Other29.620.80.714.1
Interest on Debt43.2
Eliminations
Total$703.0$7,739.8$3,440.4$15.4$6,161.1$454.4$3,729.3$1,285.2$736.1$6,322.1

ITEM 16 – FORM 10-K SUMMARY

FAQ

What is The Hanover Insurance Group's personal lines — supplementary insurance information other operating expense?
The Hanover Insurance Group (THG) reported personal lines — supplementary insurance information other operating expense of $59.65M in Q4 2025.
How has The Hanover Insurance Group's personal lines — supplementary insurance information other operating expense changed year-over-year?
The Hanover Insurance Group's personal lines — supplementary insurance information other operating expense increased by 2.0% year-over-year, from $58.5M to $59.65M.
What is the long-term trend for The Hanover Insurance Group's personal lines — supplementary insurance information other operating expense?
Over 4 years (2021 to 2025), The Hanover Insurance Group's personal lines — supplementary insurance information other operating expense has grown at a 3.7% compound annual growth rate (CAGR), from $206.5M to $238.6M.
What does personal lines — supplementary insurance information other operating expense mean?
This metric encompasses general administrative, overhead, and operational costs not directly tied to claims or policy acquisition. It provides insight into the company's ability to manage its cost structure and maintain operational leverage. Controlling these expenses is essential for improving the overall combined ratio and segment profitability.

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