The Hanover Insurance Group, Inc. (NYSE:THG) Q3 2024 Earnings Conference Call October 31, 2024 10:00 AM ET Company Participants Oksana Lukasheva - Senior Vice President, Corporate Finance Jack Roche - President & Chief Executive Officer Jeff Farber - Chief Financial Officer Dick Lavey - President, Agency Markets Bryan Salvatore - President, Specialty Lines Conference Call Participants Matt Carletti - Citizens JMP Mike Zaremski - BMO Michael Phillips - Oppenheimer Meyer Shields - KBW Operator Good day, and w ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-13754 THE HANOVER INSURANCE GROUP, INC. (Exact name of registrant as specified in its charter) Delaware 04-3 ...

The Hanover Insurance Group, Inc. 1 Third Quarter 2024 Results October 30, 2024 To be read in conjunction with the press release dated October 30, 2024, and conference call scheduled for October 31, 2024. Please also see important information regarding forward-looking statements and additional risks and uncertainties at the end of this presentation. Excellent Third Quarter 2024 Operating Highlights • Combined ratio of 95.5%; combined ratio, excluding catastrophes(1), of 88.3% • Catastrophe losses of $105.9 ...

Hanover Insurance Group (THG) reported $1.58 billion in revenue for the quarter ended September 2024, representing a year-over-year increase of 3.6%. EPS of $3.05 for the same period compares to $0.19 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $1.59 billion, representing a surprise of -0.76%. The company delivered an EPS surprise of +15.09%, with the consensus EPS estimate being $2.65. While investors scrutinize revenue and earnings changes year-over-year and how they compa ...

Hanover Insurance Group (THG) came out with quarterly earnings of $3.05 per share, beating the Zacks Consensus Estimate of $2.65 per share. This compares to earnings of $0.19 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 15.09%. A quarter ago, it was expected that this insurance company would post earnings of $1.88 per share when it actually produced earnings of $1.88, delivering no surprise.Over the last four quarters, the ...

Exhibit 99.2 FINANCIAL SUPPLEMENT THIRD QUARTER 2024 THE HANOVER INSURANCE GROUP FINANCIAL SUPPLEMENT Segment Descriptions 1 Financial Highlights 2 Consolidated Financial Statements Income Statements 3 Balance Sheets . 4 Pre-tax Operating Results and Related Metrics Consolidated . 5-7 Core Commercial. 8-9 Specialty 10-11 Personal Lines . 12-15 Investments Net Investment Income and Yields . 16 Investment Portfolio . 17 Credit Quality and Duration of Fixed Maturities. 18 Top 25 Corporate and Municipal Fixed M ...

Third Quarter Highlights Combined ratio of 95.5%; combined ratio, excluding catastrophes(1), of 88.3% Catastrophe losses of $105.9 million, or 7.2 points of the combined ratio Net premiums written increase of 4.2%* Renewal price increases(2) of 15.4% in Personal Lines, 12.9% in Core Commercial and 10.1% in Specialty Rate increases(2) of 14.4% in Personal Lines, 10.0% in Core Commercial and 7.6% in Specialty Loss and loss adjustment expense (LAE) ratio of 64.5%, 9.7 points below the prior-year quarter Curren ...

Wall Street expects a year-over-year increase in earnings on higher revenues when Hanover Insurance Group (THG) reports results for the quarter ended September 2024. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on October 30, 2024, might help the stock move higher if these key numbers are ...

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