870346 Stock Price, News, Filings & Events — Mercury General Corporation

Mercury General Corporation (MCY.NYSE) is primarily an insurance company. It offers personal automobile and homeowners insurance through a network of independent producers and direct-to-consumer sales in many states. Most of its profit comes from its insurance operations. - Business Mix : Predominantly insurance, focusing on personal automobile and homeowners insurance. - Profit Source : Primarily from insurance operations. For more information, you can visit the company's website.

Mercury General Corporation (MCY) is an insurance company, so its key performance metrics include the combined ratio, efficiency ratio, and solvency ratio. Combined Ratio: - For the fiscal year ending December 31, 2025, Mercury General reported a combined ratio of 96%, indicating that for every dollar of premium earned, 96 cents were spent on claims and expenses. (alphaquery.com) Efficiency Ratio: - Specific data on Mercury General's efficiency ratio is not readily available in the provided sources. Solvency Ratio: - Specific data on Mercury General's solvency ratio is not readily available in the provided sources. Peer Comparison: - Mercury General's combined ratio of 96% is competitive within the industry. For context, the combined ratio for the first quarter of 2026 was 89.3%, reflecting strong underwriting discipline. (everyticker.com) Please note that the efficiency and solvency ratios are not available in the provided sources.

Mercury General Corporation primarily invests in fixed maturity securities, including residential and commercial real estate loans, corporate securities, collateralized loan obligations (CLOs), and other asset-backed securities. The company does not have a traditional loan book comprising consumer, commercial, commercial real estate (CRE), auto, or credit card loans. Investment Portfolio Composition (as of December 31, 2025): - Residential and Commercial Real Estate Loans: - $5.5 million in loans to "prime" residential and commercial real estate borrowers, representing 5.5% of the fixed maturity securities portfolio. - $11.2 million in commercial mortgage-backed securities. - Corporate Securities: - $751.6 million, accounting for 13.8% of the fixed maturity securities portfolio. - Collateralized Loan Obligations (CLOs): - $722.8 million, representing 13.3% of the fixed maturity securities portfolio. - Other Asset-Backed Securities: - $98.5 million, making up 1.8% of the fixed maturity securities portfolio. Credit Quality Indicators: - Non-Performing Loans: Specific data on non-performing loans is not disclosed in the available reports. - Allowance for Credit Losses: The company does not provide detailed information on allowance coverage for credit losses in the available reports. - Concentrations: The portfolio includes significant investments in CLOs and corporate securities, which may present concentration risks. For more detailed information, refer to the company's 2025 Annual Report. (mercuryinsurance.com)

Mercury General Corporation (MCY) is an insurance company, not a bank, and does not hold customer deposits. Therefore, it does not have a deposit mix, deposit beta, or uninsured deposit exposure. Additionally, it does not engage in funding activities such as Federal Home Loan Bank (FHLB) borrowings, brokered deposits, or wholesale funding. Stock market information for Mercury General Corp. (MCY) - Mercury General Corp. is a equity in the USA market. - The price is 102.74 USD currently with a change of -3.05 USD (-0.03%) from the previous close. - The latest open price was 104.86 USD and the intraday volume is 348065. - The intraday high is 105.05 USD and the intraday low is 101.46 USD. - The latest trade time is Wednesday, July 22, 16:15:00 PDT.

Mercury General Corporation's dividend is well-covered by earnings and capital. The company has not participated in the Federal Reserve's Comprehensive Capital Analysis and Review (CCAR) or Dodd-Frank Act Stress Test (DFAST), as these assessments are typically conducted for large, systemically important financial institutions. Dividend Coverage: - Dividend per Share: $1.27 annually - Earnings per Share (EPS): $15.16 - Payout Ratio: Approximately 8.38% This indicates a strong capacity to sustain the current dividend level. (stockanalysis.com) Capital Position: - Total Revenue (TTM): $6.14 billion - Net Income (TTM): $839.84 million - Total Debt: $587.28 million - Net Cash Position: $763.61 million The company maintains a robust capital position, with a net cash position exceeding its total debt. (stockanalysis.com) Stress Test Participation: Mercury General Corporation is not subject to the Federal Reserve's CCAR or DFAST, as these evaluations are generally reserved for large, systemically important financial institutions. Share Repurchase Capacity: Specific details regarding Mercury General's share repurchase capacity are not publicly disclosed. The company has not announced any recent share buyback programs.

Mercury General Corporation's (MCY) financial disclosures do not specify the impact of a 100 basis point (bp) parallel rate move on its net interest income over the next year. The company's financial statements provide detailed income statements and balance sheets but lack specific sensitivity analyses to interest rate changes. (stockanalysis.com) As of July 22, 2026, MCY's stock price is $102.74, with a market capitalization of approximately $5.69 billion. (finance.yahoo.com) Stock market information for Mercury General Corp. (MCY) - Mercury General Corp. is a equity in the USA market. - The price is 102.74 USD currently with a change of -3.05 USD (-0.03%) from the previous close. - The latest open price was 104.86 USD and the intraday volume is 348065. - The intraday high is 105.05 USD and the intraday low is 101.46 USD. - The latest trade time is Wednesday, July 22, 16:15:00 PDT.

As of July 23, 2026, Mercury General Corporation (NYSE: MCY) has no pending fines, consent orders, exam findings, or class actions. Recent Developments: - Consent Order with California Department of Insurance (DOI): On February 24, 2025, Mercury General and the California DOI entered into a stipulated settlement agreement and consent order, resolving contested issues. The company agreed to refund $5 million to impacted policyholders by August 23, 2025, and to implement changes to its practices and procedures. All refunds were issued, and the company expects full compliance with the terms of the consent order. (stocktitan.net) - Legal Proceedings: The company has disclosed various legal proceedings, including class actions and regulatory actions. However, it does not believe that the ultimate resolution of these pending actions will have a material adverse effect on its financial condition or cash flows. (streetinsider.com) No new fines, consent orders, exam findings, or class actions have been reported since these developments.

Mercury General Corporation (NYSE: MCY) is a property and casualty insurer with a focus on personal and commercial lines. Combined Ratio: - 2025: 96.3% - 2024: 96.0% - Q1 2026: 89.3% The combined ratio improved to 89.3% in Q1 2026, indicating enhanced underwriting profitability. (finsee.ai) Reserve Development: - 2025: Favorable development of approximately $92 million - 2024: Unfavorable development of approximately $25 million The favorable development in 2025 was primarily due to lower-than-expected losses in the automobile and homeowners lines, including favorable development on prior years' catastrophe losses. (sec.gov) Catastrophe Exposure: - 2025: Net catastrophe losses of $508 million - Q1 2025: Net catastrophe losses of $447 million The company experienced significant catastrophe losses in 2025, mainly from California wildfires and severe storms. However, it reported approximately $586 million in wildfire subrogation recoveries. (stocktitan.net) Investment Portfolio Composition: - 2025: Average invested assets at cost of $5.97 billion - 2024: Net investment income of $279.99 million on a portfolio of $6.08 billion The company maintains a diversified investment portfolio, generating strong investment income. In 2024, it earned approximately $279.99 million in net investment income on a portfolio of $6.08 billion, yielding about 4.6%. (koalagains.com) Stock market information for Mercury General Corp. (MCY) - Mercury General Corp. is a equity in the USA market. - The price is 102.74 USD currently with a change of -3.05 USD (-0.03%) from the previous close. - The l...