The Hanover Insurance Group, Inc. (THG) Q3 2026 Earnings Call Transcript

The Hanover Insurance Group, Inc. ( THG ) Q3 2026 Earnings Call October 29, 2026 10:00 AM EDT Company Participants Oksana Lukasheva - Senior Vice President of Corporate Finance John "Jack" C. Roche - President, CEO & Director Richard Lavey - Executive VP & COO Jeffrey Farber - Executive VP & CFO Bryan Salvatore - Executive VP & President of Specialty Conference Call Participants Michael Phillips - Oppenheimer & Co. Inc., Research Division Michael Zaremski - BMO Capital Markets Equity Research Rowland Mayor - RBC Capital Markets, Research Division Jon Paul Newsome - Piper Sandler & Co., Research Division Meyer Shields - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Operator Good day, and welcome to The Hanover Insurance Group's Third Quarter Earnings Conference Call.

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The Hanover Reports Excellent Third Quarter Net Income and Operating Income of $4.86 and $5.15 per Diluted Share, Respectively; Third Quarter Net and Operating Return on Equity of 19.4% and 18.7%, Respectively

Third Quarter Highlights Combined ratio of 92.3%; combined ratio, excluding catastrophes(1), of 85.5% Catastrophe losses of $109.7 million, or 6.8 points of the combined ratio Net premiums written increase of 3.1%* Renewal price increases(2) of 8.7% in Personal Lines, 7.4% in Core Commercial and 4.3% in Specialty Rate increases(2) of 6.1% in Core Commercial, 4.9% in Personal Lines and 1.9% in Specialty Loss and loss adjustment expense (LAE) ratio of 61.4%, 1.6 points higher than the prior-year quarter, driven by higher catastrophe losses Current accident year loss and LAE ratio, excluding catastrophes(3), of 55.7%, 1.9 points below the prior-year quarter Net investment income of $131.9 million, up 12.7% from the prior-year quarter Book value per share of $99.69, down 5.4% from June 30, 2026; excluding net unrealized depreciation on fixed maturity investments, net of tax(4), book value per share increased 2.7% WORCESTER, Mass., Oct. 28, 2026 /PRNewswire/ -- The Hanover Insurance Group, Inc. (NYSE: THG) today reported net income of $172.6 million, or $4.86 per diluted share, in the third quarter of 2026, compared to $178.7 million, or $4.90 per diluted share, in the prior-year quarter.

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