Dec 31, 2019

Hanover Q4 2019 Earnings Report

Reported net income of $109.8 million and operating income of $80.2 million.

Key Takeaways

The Hanover Insurance Group reported a net income of $109.8 million, or $2.76 per diluted share, and an operating income of $80.2 million, or $2.01 per diluted share, for the fourth quarter of 2019. The combined ratio was 96.2%, and the combined ratio excluding catastrophes was 93.1%.

Net income was $109.8 million, or $2.76 per diluted share, compared to $123.6 million, or $2.88 per diluted share, in the prior-year quarter.

Operating income was $80.2 million, or $2.01 per diluted share, compared to $64.9 million, or $1.51 per diluted share, in the prior-year quarter.

The combined ratio was 96.2%, and the combined ratio excluding catastrophes was 93.1%.

Net premiums written increased by 5.6%.

Total Revenue
$1.1B
Previous year: $1.05B
+5.6%
EPS
$2.01
Previous year: $1.51
+33.1%
Core Commercial Price Increase
7.9%
Personal Lines Price Increase
5.1%
Commercial Lines Combined Ratio
96.1%
Gross Profit
$1.26B
Previous year: $1.1B
+14.1%
Cash and Equivalents
$216M
Previous year: $1.02B
-78.9%
Free Cash Flow
$176M
Previous year: $84.2M
+108.9%
Total Assets
$12.5B
Previous year: $12.4B
+0.7%

Hanover

Hanover

Hanover Revenue by Segment

Forward Guidance

No specific forward guidance was provided in the document.

Revenue & Expenses

Visualization of income flow from segment revenue to net income