The Hanover Insurance Group, Inc.

The Hanover Insurance Group, Inc.

THGยทNYSE

$186.35

+0.68%
Financial ServicesInsurance - Property & Casualty

The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services in the United States. The company operates through three segments: Commercial Lines, Personal Lines, and Other. The Commercial Lines segment offers commercial multiple peril, commercial automobile, and workers' compensation insurance products, as well as management and professional liability, marine, specialty industrial and commercial property, monoline general liability, surety, umbrella, fidelity, crime, and other commercial coverages. The Personal Lines segment provides personal automobile and homeowner's coverages, as well as other personal coverages, such as personal umbrella, inland marine, fire, personal watercraft, personal cyber, and other miscellaneous coverages. The Other segment markets investment management services to institutions, pension funds, and other organizations. The Hanover Insurance Group, Inc. markets its products and services through independent agents and brokers. The company was formerly known as Allmerica Financial Corp. and changed its name to The Hanover Insurance Group, Inc. in December 2005. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts.

At a Glance

Live Snapshot
Market Cap$6.52B
EPS18.5100
P/E Ratio10.07
Earnings Date07/29/2026
3Y+21.0%
5Y+37.0%
10Y+66.0%
3Y+471.0%
5Y+85.0%
10Y+327.0%
3Y+63.0%
5Y+66.0%
10Y+58.0%
The Hanover Insurance Group, Inc.

The Hanover Insurance Group, Inc. Profit Bridge

THG ยท NYSE
Revenue6.60B
Cost of Goods Sold (3.73B)
Gross Profit2.87B
Operating Expenses (2.02B)
Operating Income843.80M
Interest Expense (43.20M)
Other Income/Expense0.00
Pretax Income843.80M
Income Tax (183.10M)
Net Income662.50M
Net Income
662.50M

Profitability Analysis

Gross Margin

43.5%

Strong gross margins indicate healthy pricing and efficient production or service delivery.

Operating Margin

12.8%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

10.0%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

21.7%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.

The Hanover Insurance Group, Inc. Income Statement

THG โ€ข NYSE

The Hanover Insurance Group, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
6.6B
6.2B
6B
5.4B
5.2B
4.8B
4.9B
4.5B
4.3B
4B
5B
5.1B
4.8B
4.6B
3.9B
3.2B
2.8B
2.7B
2.7B
2.6B
GROSS PROFIT
(3.7B)
(5B)
(5.3B)
(4.7B)
(4.1B)
(3.8B)
(3.8B)
(3.6B)
(3.4B)
(3.3B)
(3.9B)
(4B)
(3.7B)
(3.9B)
(3.3B)
(2.5B)
(2.6B)
(2.2B)
(2B)
(1.9B)
2.9B
1.2B
652.9M
716.3M
1B
1B
1.1B
849.7M
847.6M
616M
1.1B
1.1B
1.1B
678.2M
601.9M
626.9M
236.4M
498M
693.1M
693.2M
OPERATING INCOME
(2B)
(699.9M)
(611.8M)
(572.3M)
(521.4M)
(577.6M)
(576.4M)
(567.2M)
(554.7M)
(550M)
(691.6M)
(722M)
(732.5M)
(649.5M)
(580.3M)
(415.8M)
-34.5M
(333.6M)
(351.6M)
(413.8M)
843.8M
537.8M
41.1M
144M
521.3M
444.8M
522.1M
282.5M
292.9M
66M
439.4M
378M
329.1M
28.7M
21.6M
211.1M
270.9M
164.4M
341.5M
279.4M
PRE-TAX INCOME
(43.2M)
(34.1M)
(34.1M)
(34.1M)
(34M)
(37.1M)
(37.5M)
(45.1M)
(45.2M)
(51.4M)
(60.6M)
(65.8M)
(65.3M)
(61.9M)
(55M)
(44.3M)
(0.0)
(0.0)
(40.6M)
(0.0)
-43.2M
-34.1M
-34.1M
-34.1M
-34M
-37.1M
-37.5M
-45.1M
-45.2M
-51.4M
-60.6M
-65.8M
-65.3M
-61.9M
-55M
-44.3M
0.0
0.0
-40.6M
0.0
(2B)
(699.9M)
(611.8M)
(572.3M)
(521.4M)
(577.6M)
(576.4M)
(567.2M)
(554.7M)
(550M)
(691.6M)
(722M)
(732.5M)
(649.5M)
(580.3M)
(415.8M)
-34.5M
(333.6M)
(351.6M)
(413.8M)
843.8M
537.8M
41.1M
144M
521.3M
444.8M
522.1M
282.5M
292.9M
66M
439.4M
378M
329.1M
28.7M
21.6M
211.1M
270.9M
164.4M
341.5M
279.4M
NET INCOME
(183.1M)
(112.5M)
(7.6M)
(27.2M)
(101.3M)
(82.8M)
(93.1M)
(43.5M)
(76.8M)
-1M
(108.6M)
(95.7M)
(83.4M)
-17.4M
-9.9M
(57.9M)
(83.1M)
(79.9M)
(113.2M)
(87.7M)
662.5M
426M
35.3M
116M
422.8M
358.7M
425.1M
391M
186.2M
155.1M
331.5M
282M
251M
55.9M
36.7M
154.8M
197.2M
20.6M
253.1M
170.3M

SEC Filings

THG - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 13, 2026
May 12, 2026
2026
10-Q

10-Q 2026 Q1

Q1

April 30, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 26, 2026
May 12, 2026
2026
10-K

10-K 2025 FY

FY

February 20, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 04, 2026
February 03, 2026
2026
8-K

8-K 2025

N/A

December 16, 2025
December 16, 2025
2025
10-Q

10-Q 2025 Q3

Q3

October 30, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 29, 2025
October 29, 2025
2025
8-K

8-K 2025

N/A

August 21, 2025
August 19, 2025
2025
Showing 1 to 10 of 449 filings