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The Hanover Insurance Group THG Specialty Lines — Current Accident Year Losses And LAE

Other segment segments

Personal Lines
$375.7M+0.9%
Core Commercial Lines
$331.2M-0.9%
All Other Segments
$0

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$434M+11.9%
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PGRUnderwriting operations — Loss adjustment expenses
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$455M+4.6%

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:CurrentAccidentYearLossesAndLAE.

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 specialty lines — current accident year losses and LAE?
The Hanover Insurance Group (THG) reported specialty lines — current accident year losses and LAE of $176.8M in Q1 2026.
How has The Hanover Insurance Group's specialty lines — current accident year losses and LAE changed year-over-year?
The Hanover Insurance Group's specialty lines — current accident year losses and LAE increased by 2.0% year-over-year, from $173.3M to $176.8M.
What is the long-term trend for The Hanover Insurance Group's specialty lines — current accident year losses and LAE?
Over 3 years (2022 to 2025), The Hanover Insurance Group's specialty lines — current accident year losses and LAE has grown at a 3.6% compound annual growth rate (CAGR), from $628.6M to $699.6M.
What does specialty lines — current accident year losses and LAE mean?
This measures the estimated losses and loss adjustment expenses incurred from claims occurring within the current reporting period. It is a primary indicator of the underwriting quality and the adequacy of pricing for new business written. Lower values relative to premiums earned suggest disciplined underwriting and effective risk selection.