---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-013757"
form_type: "8-K"
ticker: "THG"
cik: "0000944695"
company_name: "HANOVER INSURANCE GROUP, INC."
filed_at: "2025-02-04T23:59:59+00:00"
generated_at: "2026-05-27T03:50:10.113612+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Hanover reports record Q4 operating EPS $5.32; combined ratio 89.2%

## Summary
- Q4 net income $167.9M ($4.59/diluted share); operating income $194.6M ($5.32/sh), both record highs.
- Full year net income $426.0M ($11.70/sh), operating $485.9M ($13.34/sh); combined ratio 94.8%.
- Net premiums written rose 7.4% in Q4; renewal price increases of 14.2% Personal Lines, 11.8% Core Commercial, 9.5% Specialty.
- Net investment income $100.7M (+23.4% YoY); book value per share $79.18 (+14.9% from Dec 2023).
- Board raised quarterly dividend 5.9% to $0.90/sh; repurchased ~170k shares for $26.7M in Q4.

## SEC filing metadata
- accession: 0000950170-25-013757
- form_type: 8-K
- ticker: THG
- cik: 0000944695
- company_name: HANOVER INSURANCE GROUP, INC.
- filed_at: 2025-02-04T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/944695/000095017025013757/0000950170-25-013757-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/944695/000095017025013757/thg-20250204.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-013757
- JSON: https://secwatch.observer/filing/0000950170-25-013757.json
- Plain text: https://secwatch.observer/filing/0000950170-25-013757.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.