Hanover Insurance Group (THG Quick QuoteTHG - Free Report) reported $1.75 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 4.5%. EPS of $5.15 for the same period compares to $5.09 a year ago.

The reported revenue represents a surprise of +0.65% over the Zacks Consensus Estimate of $1.74 billion. With the consensus EPS estimate being $4.59, the EPS surprise was +12.2%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Hanover Insurance performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• GAAP Expense Ratio: 30.9% versus the four-analyst average estimate of 30.6%.
• GAAP Combined Ratio: 92.3% compared to the 93.8% average estimate based on four analysts.
• GAAP Loss and LAE Ratio: 61.4% versus the four-analyst average estimate of 63.2%.
• Specialty - Loss and LAE Ratio: 47.1% versus 53.2% estimated by three analysts on average.
• Revenues- Premiums earned: $1.61 billion compared to the $1.61 billion average estimate based on four analysts. The reported number represents a change of +3.9% year over year.
• Revenues- Net investment income: $131.9 million versus $125.12 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +12.7% change.
• Operating Revenues- Personal Lines- Net Investment Income: $36.8 million versus $35.97 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +11.5% change.
• Operating Revenues- Core Commercial- Other income: $1.3 million compared to the $1.35 million average estimate based on three analysts. The reported number represents a change of 0% year over year.
• Operating Revenues- Specialty- Other income: $1.3 million versus the three-analyst average estimate of $1.13 million. The reported number represents a year-over-year change of 0%.
• Operating Revenues- Personal Lines- Net Premiums Earned: $659.8 million compared to the $656.25 million average estimate based on three analysts. The reported number represents a change of +2.7% year over year.
• Revenues- Fees and other income: $6.2 million compared to the $6.28 million average estimate based on three analysts. The reported number represents a change of -1.6% year over year.
• Operating Revenues- Core Commercial- Net Premiums Earned: $582.2 million versus $584.63 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +5.1% change.

View all Key Company Metrics for Hanover Insurance here>>>

Shares of Hanover Insurance have returned +8.2% over the past month versus the Zacks S&P 500 composite's -0.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.