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

Other segment segments

Core Commercial Lines
$1.19B+5.9%
Specialty Lines
$850.8M+6.3%

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$8.2B-2.9%

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:SupplementaryInsuranceInformationUnearnedPremiums.

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 — 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.