Hanover Insurance Group Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $6.8B+8.4% YoYTTM through 30 Jun 2026
Net Income $755.6M+77.4% YoYTTM through 30 Jun 2026
Free Cash Flow $1.3BTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 11.3% |
| Net Margin | 11.2% |
Returns
20.1%ROE
3.9%ROA
18.0%ROIC
Balance Sheet Health
Debt / Equity0.34x
Net Debt$527.8M
Cash & Equivalents$266.1M
Quality Metrics
Piotroski F-Score7 / 9
FCF Margin18.5%
Rule of 4018.6
Earnings-Beat Rate100.0%
Multi-Year Trend
RevenueFY2025: $6.6B
Diluted EPS$20.94TTMFY2025: $18.16
Dividend
$2.85Per share, FY20261.86%Yield+0.4%5-yr growth
Capital Allocation
Capex Intensity0.2%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Personal Lines | +2.7% | View detailsEarned pricing continues to exceed loss cost trends, with state-specific growth strategies driving solid margins. | |
| Core Commercial | +4.3% | View detailsImprovement driven by lower large property losses and continued pricing discipline in small-to-middle-market accounts. | |
| Specialty | +2.3% | View detailsExceptional profitability sustained, particularly in management liability, surety, specialty GL, and E&S. |
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