Hanover Q2 operating EPS $2.32, net $0.63; combined ratio 96.2%; ex-CAT combined ratio guidance raised to 90.5-91.5%

HANOVER INSURANCE GROUP, INC.

2022-Q2 EPS reported $3.52 revenue$2,623,600,000

Net income fell to $22.6M ($0.63/diluted share) from $128.5M ($3.52) in Q2 2021; operating income $83.9M ($2.32) vs $104.0M ($2.85).
Combined ratio 96.2% (cat losses 6.0 pts); ex-cat combined ratio 90.2% vs 87.9% prior year. Personal Lines combined ratio 103.2%.
Net premiums written grew 10.4% to $1,332.8M; renewal price change: Core Commercial +11%, Specialty +12%, Personal Lines +5.4%.
Book value per share $72.20, down 9.3% from March 31, 2022, due to higher interest rates.
2022 outlook: ex-cat combined ratio 90.5-91.5% (up 1 pt from original); pre-tax net investment income $280-285M (up ~5%).

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