Mercury General Corp (MCY) — SEC Filings
Mercury General Corp (MCY) — 28 SEC filings. Latest: ARS (Mar 31, 2026). Includes 13 8-K, 6 10-Q, 4 SC 13G/A.
View Mercury General Corp on SEC EDGAR
Overview
Mercury General Corp (MCY) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Nov 4, 2025: Mercury General Corporation filed an 8-K on November 4, 2025, reporting on its results of operations and financial condition, as well as filing financial statements and exhibits. The filing details the company's status as a California-incorporated entity with its principal executive offices located
Sentiment Summary
Across 28 filings, the sentiment breakdown is: 1 bullish, 25 neutral, 2 mixed. The dominant filing sentiment for Mercury General Corp is neutral.
Filing Type Overview
Mercury General Corp (MCY) has filed 1 ARS, 13 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 4 SC 13G/A with the SEC between Jan 2024 to Mar 2026.
Filings by Year
Recent SEC Filings (28)
Risk Profile
Risk Assessment: Of MCY's 24 recent filings, 0 were flagged as high-risk, 6 as medium-risk, and 18 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $1,584,926,000 |
| Net Income | $280,403,000 |
| EPS | N/A |
| Debt-to-Equity | 0.26 |
| Cash Position | $1,252,575,000 |
| Operating Margin | N/A |
| Total Assets | $9,372,742,000 |
| Total Debt | $574,427,000 |
Industry Context
Mercury General Corporation operates in the highly competitive property and casualty insurance market. The industry is characterized by fluctuating premium rates, increasing claims severity due to inflation and climate-related events, and evolving customer expectations. Insurers are increasingly focused on technological advancements for underwriting efficiency and claims processing, while also managing the impact of natural catastrophes.
Top Tags
financial-reporting (9) · insurance (7) · 8-k (5) · 8-K (4) · Insurance (4) · 10-Q (4) · corporate-governance (3) · Mercury General Corp (3) · Property & Casualty (2) · regulatory-filing (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $280.4M | Increased 21.5% from $230.9M in Q3 2024 |
| Net Income (YTD Q3 2025) | $338.5M | Decreased from $366.9M in YTD Q3 2024 |
| Net Premiums Earned (Q3 2025) | $1,410.4M | Increased from $1,320.7M in Q3 2024 |
| Losses and Loss Adjustment Expenses (YTD Q3 2025) | $3,043.6M | Increased from $2,759.1M in YTD Q3 2024, due to wildfires |
| Cash (September 30, 2025) | $1,252.6M | Increased from $720.3M at December 31, 2024 |
| Reinsurance Recoverables (September 30, 2025) | $175.8M | Increased from $28.6M at December 31, 2024, due to wildfires |
| Loss and Loss Adjustment Expense Reserves (September 30, 2025) | $3,596.0M | Increased from $3,152.0M at December 31, 2024 |
| Dividends per Share (Q3 2025) | $0.3175 | Consistent with Q3 2024 |
| Net Income | $100.5M | Swung from a $10.2M loss in Q2 2024 to a profit in Q2 2025. |
| Net Premiums Earned Growth | 10.3% | Increased to $1.05B for H1 2025 from $952.1M in H1 2024. |
| Combined Ratio | 96.5% | Improved from 103.2% in H1 2024, indicating better underwriting profitability. |
| Total Revenues | $1.1B | Increased from $975.3M in H1 2024, reflecting strong top-line growth. |
| Quarter End Date | 2025-03-31 | Reporting period for the 10-Q |
| Filing Date | 2025-05-06 | Date the 10-Q was submitted to the SEC |
| Previous Year End Date | 2024-12-31 | Comparison point for financial data |
Forward-Looking Statements
- {"claim":"Mercury General Corp's stock price may experience short-term volatility due to Vanguard's reduced stake.","entity":"Mercury General Corp","targetDate":"3 months","confidence":"medium"}
- {"claim":"Other institutional investors might re-evaluate their positions in Mercury General Corp following Vanguard's reduction.","entity":"institutional investors","targetDate":"6 months","confidence":"medium"}
- {"claim":"Mercury General Corp. will continue to operate primarily in the property and casualty insurance sector.","entity":"MERCURY GENERAL CORP","targetDate":"2025-12-31","confidence":"high"}
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Frequently Asked Questions
What are the latest SEC filings for Mercury General Corp (MCY)?
Mercury General Corp has 28 recent SEC filings from Jan 2024 to Mar 2026, including 13 8-K, 6 10-Q, 4 SC 13G/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of MCY filings?
Across 28 filings, the sentiment breakdown is: 1 bullish, 25 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Mercury General Corp SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Mercury General Corp (MCY) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Mercury General Corp?
Key financial highlights from Mercury General Corp's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for MCY?
The investment thesis for MCY includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Mercury General Corp?
Executive information for Mercury General Corp is extracted from SEC filings as they are enriched with AI analysis.
What are the main risk factors for Mercury General Corp stock?
Of MCY's 24 assessed filings, 0 were flagged high-risk, 6 medium-risk, and 18 low-risk.
What are recent predictions and forward guidance from Mercury General Corp?
Recent forward-looking statements from Mercury General Corp include guidance on {"claim":"Mercury General Corp's stock price may experience short-term volatility due to Vanguard's reduced stake.","ent and 2 other predictions.