Hanover Insurance Group (THG) reported $1.58 billion in revenue for the quarter ended September 2024, representing a year-over-year increase of 3.6%. EPS of $3.05 for the same period compares to $0.19 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $1.59 billion, representing a surprise of -0.76%. The company delivered an EPS surprise of +15.09%, with the consensus EPS estimate being $2.65.

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.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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: 30.2% compared to the 30.7% average estimate based on three analysts.

• GAAP Loss and LAE Ratio: 74.2% compared to the 66.6% average estimate based on three analysts.

• GAAP Combined Ratio: 104.4% versus the three-analyst average estimate of 97.3%.

• Core Commercial - Expense Ratio: 33.3% versus the two-analyst average estimate of 33.5%.

• Revenues- Premiums earned: $1.48 billion compared to the $1.49 billion average estimate based on three analysts. The reported number represents a change of +3.4% year over year.

• Revenues- Net investment income: $91.80 million versus the three-analyst average estimate of $92.17 million. The reported number represents a year-over-year change of +9%.

• Core Commercial- Net Investment Income: $38.40 million versus $41.68 million estimated by two analysts on average.

• Personal Lines- Other income: $3.90 million versus the two-analyst average estimate of $4.03 million.

• Specialty- Net Investment Income: $20.90 million compared to the $20.06 million average estimate based on two analysts.

• Personal Lines- Net Premiums Earned: $614.70 million versus $613.78 million estimated by two analysts on average.

• Revenues- Fees and other income: $6.70 million versus the two-analyst average estimate of $7.87 million. The reported number represents a year-over-year change of -9.5%.

• Core Commercial- Net Premiums Earned: $517.40 million versus the two-analyst average estimate of $535.39 million.

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

Shares of Hanover Insurance have returned -0.3% over the past month versus the Zacks S&P 500 composite's +1.8% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.