{ "cik": 944695, "cik_padded": "0000944695", "entityName": "HANOVER INSURANCE GROUP, INC.", "fiscal_years": [ { "accn": "0001193125-26-060983", "filed": "2026-02-20", "fiscal_year": 2025, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "cash": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "operating_income": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 129200000.0, "capex": 7700000.0, "cash": 1122700000.0, "dividends_paid": 130600000.0, "eps_diluted": 18.16, "free_cash_flow": 1170400000.0, "net_income": 662500000.0, "operating_cash_flow": 1178100000.0, "operating_income": 933000000.0, "revenue": 6594400000.0, "stockholders_equity": 3571500000.0, "total_assets": 16945900000.0, "total_liabilities": 13374400000.0 }, "period_end": "2025-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "operating_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 3.7447571048579027, "net_margin": 0.1004640300861337, "operating_margin": 0.1414836831250758, "payout_ratio": 0.19713207547169811, "revenue_growth_yoy": 0.057235386539263154, "roa_avg2y": 0.04112301523258557, "roa_period_end": 0.03909500233094731, "roe_avg2y": 0.20660190541530882, "roe_period_end": 0.18549629007419852 } }, { "accn": "0001193125-26-060983", "filed": "2026-02-20", "fiscal_year": 2024, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "cash": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "operating_income": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 26700000.0, "capex": 10200000.0, "cash": 435500000.0, "dividends_paid": 124100000.0, "eps_diluted": 11.7, "free_cash_flow": 796200000.0, "net_income": 426000000.0, "operating_cash_flow": 806400000.0, "operating_income": 650100000.0, "revenue": 6237400000.0, "stockholders_equity": 2841800000.0, "total_assets": 15274500000.0, "total_liabilities": 12432700000.0 }, "period_end": "2024-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "operating_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 4.374938419311704, "net_margin": 0.06829768813928881, "operating_margin": 0.10422611985763298, "payout_ratio": 0.29131455399061035, "revenue_growth_yoy": 0.040694085259030614, "roa_avg2y": 0.028507282406121704, "roa_period_end": 0.027889619954826673, "roe_avg2y": 0.1605305799449825, "roe_period_end": 0.14990498979520023 } }, { "accn": "0001193125-26-060983", "filed": "2026-02-20", "fiscal_year": 2023, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "cash": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "operating_income": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 0.0, "capex": 11900000.0, "cash": 316100000.0, "dividends_paid": 117200000.0, "eps_diluted": 0.98, "free_cash_flow": 349800000.0, "net_income": 35300000.0, "operating_cash_flow": 361700000.0, "operating_income": 105600000.0, "revenue": 5993500000.0, "stockholders_equity": 2465600000.0, "total_assets": 14612600000.0, "total_liabilities": 12147000000.0 }, "period_end": "2023-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "operating_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 4.9265898767034395, "net_margin": 0.005889713856678068, "operating_margin": 0.017619087344623342, "payout_ratio": 3.320113314447592, "revenue_growth_yoy": 0.09598434699923197, "roa_avg2y": 0.002467867042789179, "roa_period_end": 0.0024157234167773017, "roe_avg2y": 0.014710478611464172, "roe_period_end": 0.0143170019467878 } }, { "accn": "0000950170-25-025093", "filed": "2025-02-24", "fiscal_year": 2022, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "cash": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "operating_income": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 30800000.0, "capex": 17800000.0, "cash": 305000000.0, "dividends_paid": 108900000.0, "eps_diluted": 3.21, "free_cash_flow": 704500000.0, "net_income": 116000000.0, "operating_cash_flow": 722300000.0, "operating_income": 285100000.0, "revenue": 5468600000.0, "stockholders_equity": 2333700000.0, "total_assets": 13995100000.0, "total_liabilities": 11661400000.0 }, "period_end": "2022-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "operating_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 4.99695762094528, "net_margin": 0.021212010386570602, "operating_margin": 0.0521340013897524, "payout_ratio": 0.9387931034482758, "revenue_growth_yoy": 0.04606144075901909, "roa_avg2y": 0.00821256380666492, "roa_period_end": 0.00828861530106966, "roe_avg2y": 0.042415488966488106, "roe_period_end": 0.049706474696833355 } }, { "accn": "0000950170-24-018917", "filed": "2024-02-22", "fiscal_year": 2021, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "cash": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "operating_income": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 162600000.0, "capex": 8000000.0, "cash": 230900000.0, "dividends_paid": 102200000.0, "eps_diluted": 11.6, "free_cash_flow": 815700000.0, "net_income": 422800000.0, "operating_cash_flow": 823700000.0, "operating_income": 432300000.0, "revenue": 5227800000.0, "stockholders_equity": 3136000000.0, "total_assets": 14254300000.0, "total_liabilities": 11109400000.0 }, "period_end": "2021-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "operating_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 3.5425382653061224, "net_margin": 0.08087532040246376, "operating_margin": 0.08269252840583037, "payout_ratio": 0.24172185430463577, "revenue_growth_yoy": 0.08352677831205439, "roa_avg2y": 0.030529280092425445, "roa_period_end": 0.02966122503384944, "roe_avg2y": 0.13341327190685054, "roe_period_end": 0.13482142857142856 } }, { "accn": "0001564590-22-006789", "filed": "2023-02-23", "fiscal_year": 2020, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "cash": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "operating_income": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 212800000.0, "capex": 14900000.0, "cash": 120600000.0, "dividends_paid": 99500000.0, "eps_diluted": 9.42, "free_cash_flow": 692700000.0, "net_income": 358700000.0, "operating_cash_flow": 707600000.0, "operating_income": 484700000.0, "revenue": 4824800000.0, "stockholders_equity": 3202200000.0, "total_assets": 13443700000.0, "total_liabilities": 10241500000.0 }, "period_end": "2020-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "operating_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 3.198269939416651, "net_margin": 0.07434505057204444, "operating_margin": 0.1004601226993865, "payout_ratio": 0.2773905770839141, "revenue_growth_yoy": -0.013474553744862698, "roa_avg2y": 0.027662314627017605, "roa_period_end": 0.026681642702529807, "roe_avg2y": 0.11725287656903766, "roe_period_end": 0.11201673849228655 } }, { "accn": "0001564590-22-006789", "filed": "2022-02-25", "fiscal_year": 2019, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "cash": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "operating_income": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 563600000.0, "capex": 13300000.0, "cash": 215700000.0, "dividends_paid": 386200000.0, "eps_diluted": 10.46, "free_cash_flow": 589600000.0, "net_income": 425100000.0, "operating_cash_flow": 602900000.0, "operating_income": 453600000.0, "revenue": 4890700000.0, "stockholders_equity": 2916200000.0, "total_assets": 12490500000.0, "total_liabilities": 9574300000.0 }, "period_end": "2019-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "operating_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 3.283142445648447, "net_margin": 0.086920072791216, "operating_margin": 0.09274745946388042, "payout_ratio": 0.9084921195012938, "revenue_growth_yoy": 0.08820060966112632, "roa_avg2y": 0.03415802203276792, "roa_period_end": 0.03403386573796085, "roe_avg2y": 0.1448159566676319, "roe_period_end": 0.14577189493176052 } }, { "accn": "0001564590-21-007746", "filed": "2021-02-24", "fiscal_year": 2018, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "cash": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "operating_income": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 57700000.0, "capex": 13100000.0, "cash": 1020700000.0, "dividends_paid": 94300000.0, "eps_diluted": 9.09, "free_cash_flow": 538200000.0, "net_income": 391000000.0, "operating_cash_flow": 551300000.0, "operating_income": 406500000.0, "revenue": 4494300000.0, "stockholders_equity": 2954700000.0, "total_assets": 12399700000.0, "total_liabilities": 9445000000.0 }, "period_end": "2018-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "operating_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 3.1966020238941346, "net_margin": 0.08699908773335113, "operating_margin": 0.09044790067418731, "payout_ratio": 0.2411764705882353, "revenue_growth_yoy": 0.05304716605356264, "roa_avg2y": 0.028059549396647926, "roa_period_end": 0.031533020960184524, "roe_avg2y": 0.13137557959814528, "roe_period_end": 0.13233153958100652 } }, { "accn": "0001564590-20-006025", "filed": "2020-02-24", "fiscal_year": 2017, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "cash": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "operating_income": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 37200000.0, "capex": 18600000.0, "cash": 297900000.0, "dividends_paid": 86800000.0, "eps_diluted": 4.33, "free_cash_flow": 686000000.0, "net_income": 186200000.0, "operating_cash_flow": 704600000.0, "operating_income": 327300000.0, "revenue": 4267900000.0, "stockholders_equity": 2997700000.0, "total_assets": 15469600000.0, "total_liabilities": 12471900000.0 }, "period_end": "2017-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "operating_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 4.160489708776729, "net_margin": 0.04362801377726751, "operating_margin": 0.07668876965252232, "payout_ratio": 0.46616541353383456, "revenue_growth_yoy": 0.052788672636226844, "roa_avg2y": 0.012542943752105086, "roa_period_end": 0.012036510317008843, "roe_avg2y": 0.06360158491597213, "roe_period_end": 0.06211428762050906 } }, { "accn": "0001564590-19-003788", "filed": "2019-02-22", "fiscal_year": 2016, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "cash": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "operating_income": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 105600000.0, "capex": 15700000.0, "cash": 282600000.0, "dividends_paid": 80400000.0, "eps_diluted": 3.59, "free_cash_flow": 727700000.0, "net_income": 155100000.0, "operating_cash_flow": 743400000.0, "operating_income": 192900000.0, "revenue": 4053900000.0, "stockholders_equity": 2857500000.0, "total_assets": 14220400000.0, "total_liabilities": 11362900000.0 }, "period_end": "2016-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "operating_margin": "ratio", "payout_ratio": "ratio", "roa_period_end": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 3.9765179352580926, "net_margin": 0.03825945385924665, "operating_margin": 0.047583808184711016, "payout_ratio": 0.5183752417794971, "roa_period_end": 0.01090686619223088, "roe_period_end": 0.054278215223097115 } } ], "latest_filing": { "accn": "0001193125-26-060983", "filed": "2026-02-20", "form": "10-K" }, "note": "Static grepcent export of verified SEC companyfacts-derived values. Monetary values are raw reported units from grepcent's resolved facts; no scaling and no FX conversion. Capex, dividends, and buybacks are reported as positive outflow magnitudes. ROE/ROA include both period-end basis (site-consistent) and average-of-two-years basis where the prior-year denominator exists.", "schema_version": "1", "sic": "6331", "sic_description": "Fire, Marine & Casualty Insurance", "source_urls": { "sec_companyfacts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000944695.json", "sec_submissions": "https://data.sec.gov/submissions/CIK0000944695.json" }, "ticker": "THG" }