Sep 30, 2024

Hanover Q3 2024 Earnings Report

Hanover reported excellent Q3 results, marked by strong execution and profitability.

Key Takeaways

The Hanover Insurance Group reported a strong third quarter with net income of $102.1 million, or $2.80 per diluted share, and operating income of $111.3 million, or $3.05 per diluted share. The company's net and operating return on equity were 15.0% and 14.4%, respectively. Excluding catastrophes, the combined ratio was 88.3%, the best in several years.

Combined ratio of 95.5%; combined ratio, excluding catastrophes, of 88.3%.

Catastrophe losses of $105.9 million, or 7.2 points of the combined ratio.

Net premiums written increase of 4.2%.

Book value per share of $79.90, up 12.6% from June 30, 2024.

Total Revenue
$1.57B
Previous year: $1.52B
+3.2%
EPS
$3.05
Previous year: $0.19
+1505.3%
Core Commercial Price Increase
97%
Previous year: 98.7%
-1.7%
Personal Lines Price Increase
100.6%
Previous year: 120.8%
-16.7%
Gross Profit
$1.4B
Previous year: $1.37B
+2.5%
Cash and Equivalents
$427M
Previous year: $295M
+45.0%
Free Cash Flow
$392M
Previous year: $222M
+76.9%
Total Assets
$13.4B
Previous year: $12.3B
+8.8%

Hanover

Hanover

Hanover Revenue by Segment

Forward Guidance

The company remains committed to improving superior returns and driving enhanced shareholder value.