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The Hanover Insurance Group THG Personal Lines — Supplementary Insurance Information Unearned Premiums

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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:SupplementaryInsuranceInformationUnearnedPremiums.

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 unearned premiums?
The Hanover Insurance Group (THG) reported personal lines — supplementary insurance information unearned premiums of $1.4B in Q4 2025.
How has The Hanover Insurance Group's personal lines — supplementary insurance information unearned premiums changed year-over-year?
The Hanover Insurance Group's personal lines — supplementary insurance information unearned premiums increased by 3.0% year-over-year, from $1.36B to $1.4B.
What does personal lines — supplementary insurance information unearned premiums mean?
This represents the portion of premiums collected for which the insurance coverage period has not yet expired. It acts as a liability on the balance sheet, reflecting the company's obligation to provide future coverage for existing policies. Changes in this balance indicate growth or contraction in the volume of active insurance policies.

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