NYSE$THG
The Hanover Insurance Group Inc · Q4 2021 earnings
Q4 2021 earnings · · Investor relations
Briefing
The Hanover reported record fourth quarter net income and operating income.
The Hanover Insurance Group, Inc. reported a strong performance in Q4 2021, with net income of $163.5 million, or $4.53 per diluted share, and operating income of $122.1 million, or $3.38 per diluted share. Net premiums written increased by 9.2%. The combined ratio was 92.9%, and 89.8% excluding catastrophes.
- Combined ratio of 92.9%, and 89.8% excluding catastrophes.
- Net premiums written increased by 9.2%.
- Rate increases of 6.3% in core commercial lines, 8.9% in specialty, and 2.0% in personal lines.
- Net investment income of $79.5 million, up 13.2% from the prior-year quarter.
Headline financials
Revenue & EPS history
Hanover · Revenue · Quarterly
$1.22B
Revenue by segment
Hanover · $1.24B total across 2 segments · Q4 2021
- Core Commercial$746M+14.7%60.0%
- Personal Lines$497M+7.5%40.0%
Forward guidance
The Hanover did not provide specific forward guidance in this earnings report.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2021
+0.9%
Avg return
Earnings day
+0.6%
Avg return
5 days after
+3.0%
Avg return
30 days after
66%
45 / 68 earnings
Positive
+8.2%
Q4 2016
Best reaction
-4.6%
Q2 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +5.6% | +4.0% | +4.9% | |
| Q4 2025 | +0.6% | -1.4% | +2.1% | |
| Q3 2025 | +1.2% | +4.0% | +10.2% | |
| Q1 2025 | -0.3% | +0.7% | +5.9% | |
| Q4 2024 | +4.8% | +5.9% | +8.8% | |
| Q3 2024 | -0.0% | -0.8% | +11.2% | |
| Q2 2024 | -2.8% | -3.8% | +5.9% | |
| Q1 2024 | +0.7% | +3.8% | +1.6% | |
| Q4 2023 | -1.1% | -1.9% | -3.0% | |
| Q3 2023 | -0.5% | -0.1% | +6.7% | |
| Q2 2023 | -1.9% | +0.1% | -4.5% | |
| Q1 2023 | +1.3% | -0.4% | -6.2% | |
| Q4 2022 | +2.3% | +0.3% | +8.9% | |
| Q3 2022 | -3.4% | -1.5% | -0.7% | |
| Q2 2022 | -4.6% | -5.5% | -3.5% | |
| Q1 2022 | +3.7% | +2.2% | +0.4% | |
| Q4 2021 | +3.5% | +4.0% | +5.1% | |
| Q3 2021 | -3.5% | -3.4% | -4.5% | |
| Q2 2021 | +0.4% | +2.8% | +5.3% | |
| Q1 2021 | +2.8% | +4.4% | +3.7% | |
| Q4 2020 | +0.7% | -0.4% | +7.6% | |
| Q3 2020 | -4.4% | -3.8% | +17.9% | |
| Q2 2020 | +2.7% | +3.6% | +5.9% | |
| Q1 2020 | +5.3% | -3.7% | +3.8% | |
| Q4 2019 | +0.2% | -0.5% | -14.6% | |
| Q3 2019 | +3.0% | +2.0% | +6.3% | |
| Q2 2019 | +0.0% | -1.2% | +2.5% | |
| Q1 2019 | +0.5% | +1.3% | +1.3% | |
| Q4 2018 | +2.8% | +3.3% | +8.4% | |
| Q3 2018 | -3.3% | -2.3% | +1.5% | |
| Q2 2018 | -0.9% | +0.3% | -2.3% | |
| Q1 2018 | -0.7% | +1.2% | +3.7% | |
| Q4 2017 | +0.3% | -2.4% | -5.9% | |
| Q3 2017 | +3.7% | +7.1% | +8.8% | |
| Q2 2017 | +2.1% | +2.2% | +2.7% | |
| Q1 2017 | -1.6% | -4.0% | -5.8% | |
| Q4 2016 | +8.2% | +4.5% | +8.7% | |
| Q3 2016 | +5.7% | +4.2% | +16.0% | |
| Q2 2016 | -1.0% | -2.4% | -7.0% | |
| Q1 2016 | -1.2% | — | — | |
| Q4 2015 | -0.6% | — | — | |
| Q3 2015 | +5.1% | — | — | |
| Q2 2015 | +4.2% | — | — | |
| Q1 2015 | +4.0% | — | — | |
| Q4 2014 | +2.4% | — | — | |
| Q3 2014 | +0.3% | — | — | |
| Q2 2014 | +1.5% | — | — | |
| Q1 2014 | +0.4% | — | — | |
| Q4 2013 | +2.7% | — | — | |
| Q3 2013 | -1.6% | — | — | |
| Q2 2013 | +3.8% | — | — | |
| Q1 2013 | +2.5% | — | — | |
| Q4 2012 | +1.7% | — | — | |
| Q3 2012 | -4.0% | — | — | |
| Q2 2012 | -3.1% | — | — | |
| Q1 2012 | -0.3% | — | — | |
| Q4 2011 | +0.6% | — | — | |
| Q3 2011 | -2.4% | — | — | |
| Q2 2011 | +0.0% | — | — | |
| Q1 2010 | +0.5% | — | — | |
| Q1 2011 | -0.1% | — | — | |
| Q4 2008 | +0.9% | — | — | |
| Q4 2010 | +0.9% | — | — | |
| Q3 2009 | +4.0% | — | — | |
| Q3 2010 | +4.0% | — | — | |
| Q2 2010 | +1.5% | — | — | |
| Q2 2009 | +1.5% | — | — | |
| Q4 2009 | +1.5% | — | — |
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