{"filings":[{"id":2493156,"accession_number":"0000064996-26-000024","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2026-08-26T20:05:52+00:00","items":["7.01","9.01"],"status":"ready","headline":"Mercury General founder George Joseph dies at 104; CEO Tirador named Chairman","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["George Joseph, founder and longtime chairman, passed away at age 104; he founded Mercury in 1962 and led as CEO for 45 years until 2006.","Gabriel Tirador, CEO since 2007, appointed Chairman of the Board, effective immediately; he continues as CEO.","Victor Joseph, son, serves as President and COO since Jan 2024; Vicky Joseph, wife, assumed ownership of his Mercury General stock.","Company reaffirms continuity of Joseph family ownership and leadership; Tirador to guide Board."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":2051531,"accession_number":"0001193125-26-332781","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2026-08-04T20:06:20+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q2 net income $263.5M ($4.76/sh), up 58%; combined ratio 89.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $263.5M ($4.76 diluted EPS), up 58% YoY; operating income $195.2M ($3.52/sh), up 32%.","Net premiums earned $1.50B, up 9.6% YoY; combined ratio improved to 89.9% from 92.5%.","Catastrophe losses net of reinsurance $75M in Q2 2026 vs $13M in Q2 2025, driven by adverse reserve development on Palisades/Eaton wildfires and storms.","Favorable prior-year reserve development of $35M in Q2 2026 vs unfavorable $4M in Q2 2025.","Board declared quarterly dividend of $0.3175/share, payable Sept 24, 2026 to holders of record Sept 10, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":8.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":3221575000.0,"consensus_period":"2026-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1250196,"accession_number":"0001193125-26-281118","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2026-06-24T20:27:28+00:00","items":["1.01","1.02","2.03","9.01"],"status":"ready","headline":"Mercury General enters $250M unsecured revolving credit facility, maturing 2031","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Second Amended and Restated Credit Agreement provides $250M unsecured revolving facility, matures June 24, 2031.","Replaces existing March 2021 credit facility; proceeds for general corporate purposes.","Interest margins: 1.00%-1.50% (Term SOFR) or 0.00%-0.50% (Base Rate) based on debt-to-capital ratio.","Financial covenants: minimum equity $1.55B+25% net income, debt/capital ≤35%, RBC ratio ≥150%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1027316,"accession_number":"0001193125-26-269392","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2026-06-12T20:06:39+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"Mercury General completes $525M 6.250% Senior Notes due 2036 offering","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $525M aggregate principal of 6.250% Senior Notes at 99.764% of par, maturing June 15, 2036.","Interest payable semi-annually on June 15 and Dec 15, commencing Dec 15, 2026.","Notes are unsecured senior obligations, ranking equally with existing and future unsecured senior debt.","Entered into Fourth Amendment to credit agreement to permit the notes and future refinancings up to $750M.","Underwriting agreement signed with BofA Securities, Wells Fargo Securities, and Raymond James."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":928077,"accession_number":"0001193125-26-263041","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2026-06-09T12:27:07+00:00","items":["8.01"],"status":"ready","headline":"Mercury General reports Q1 2026 net income of $190M, reversing prior-year loss","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net income of $190M for Q1 2026 vs net loss of $108M in Q1 2025.","Operating income (non-GAAP) of $194M vs operating loss of $127M in Q1 2025.","Net premiums earned $1,452M, up 13.2% from $1,283M in Q1 2025.","Direct premiums written $1,573M, up from $1,445M in Q1 2025.","Approx. 2.31M policies in force as of March 31, 2026; claims satisfaction score over 78% since 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":76965,"accession_number":"0000064996-26-000017","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2026-05-13T22:29:26+00:00","items":["5.07","9.01"],"status":"ready","headline":"Mercury General shareholders re-elect all nine directors, approve say-on-pay and auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All nine director nominees received between 39.1M and 40.7M votes for, with no withhold exceeding 1.8M shares.","Advisory vote to approve named executive officer compensation passed with 40.3M for, 0.6M against, 28K abstain.","Ratification of KPMG as independent auditor for 2026 passed with 43.0M for, 0.5M against, no broker non-votes.","Broker non-votes of 2.6M shares were recorded on all director elections and the say-on-pay proposal.","Annual meeting held May 13, 2026; all proposals recommended by the board were approved."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98315,"accession_number":"0001193125-26-206384","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General reports Q1 net income of $190M vs year-ago loss; combined ratio improves to 89.3%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $190.4M ($3.44 diluted EPS) vs loss of $108.3M ($1.96 loss) in Q1 2025.","Net premiums earned $1.45B, up 13.2% YoY; direct premiums written $1.57B, up 8.8%.","Combined ratio improved to 89.3% from 119.2% on lower catastrophe losses ($93M vs $447M).","Quarterly dividend declared at $0.3175 per share, payable June 25, 2026 to holders of record June 11, 2026."],"consensus_eps_estimate":2.1715,"consensus_eps_actual":3.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":1539809000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113702,"accession_number":"0001193125-26-054598","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2026-02-17T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q4 net income $202.5M ($3.66 EPS), doubled YoY; wildfire net loss $380M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 net income $202.5M ($3.66 diluted EPS), up 100% from $101.1M ($1.82) a year ago.","Full-year combined ratio 96.3%; Q4 combined ratio improved to 88.6% from 91.4%.","Net losses from Palisades/Eaton wildfires totaled $380M; $538M subrogation recovery recorded from SCE for Eaton fire.","California DOI approved 6.9% homeowners rate increase effective July 2026; represents ~15% of net premiums.","Declared quarterly dividend of $0.3175 per share, payable March 26, 2026 to holders of record March 12."],"consensus_eps_estimate":2.5856,"consensus_eps_actual":9.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":5992468000.0,"consensus_period":"2025-FY","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130089,"accession_number":"0001193125-25-264686","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2025-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q3 net income $280.4M, EPS $5.06; combined ratio improves to 87.0%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net premiums earned $1.41B (+6.8% YoY); operating income $213.7M, up 52.2%.","Combined ratio 87.0% vs 93.6% a year ago; favorable prior-year development of $27M.","Quarterly dividend declared $0.3175/share, payable Dec 24, 2025 to holders of record Dec 10.","Wildfire net losses $381M YTD; increased $22M in Q3. Estimated Eaton subrogation recovery $527M.","Net investment income $70.7M after tax; average yield 4.0% after tax."],"consensus_eps_estimate":2.1715,"consensus_eps_actual":6.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":4456689000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146675,"accession_number":"0001193125-25-167999","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2025-07-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q2 net income jumps 166% to $166.5M on lower catastrophe losses; combined ratio improves to 92.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $3.01 vs $1.13 a year ago; operating EPS $2.67 vs $1.09.","Net premiums earned up 10.6% to $1.367B; combined ratio 92.5% (improved 6.4 pts).","Catastrophe losses net of reinsurance fell to $13M in Q2 from $125M, aided by $50M subrogation on wildfires.","Board declares $0.3175/sh quarterly dividend payable Sept. 25, 2025 (record Sept. 11).","Updated on Palisades/Eaton wildfires: net losses $359M YTD; $528M subrogation recorded vs SCE."],"consensus_eps_estimate":1.6665,"consensus_eps_actual":1.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":2871763000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165077,"accession_number":"0000064996-25-000031","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2025-05-15T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Mercury General shareholders elect all nine directors and approve advisory compensation vote","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All nine director nominees elected; George Joseph received 39.3M for, 1.9M withheld.","Advisory vote to approve named executive officer compensation passed with 40.3M for, 0.96M against.","Ratification of KPMG as independent auditor for FY2025 approved with 43.5M for, 0.46M against.","Broker non-votes of ~2.69M on director elections and compensation vote noted.","Meeting held May 14, 2025; all items passed as recommended by board."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.0,"calibrated_materiality_score":0.0,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165076,"accession_number":"0001193125-25-113814","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2025-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q1 net loss $108.3M; wildfire losses drive combined ratio to 119.2%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $108.3M ($1.96 diluted EPS) vs net income of $73.5M ($1.33) in Q1 2024.","Combined ratio 119.2% (up 18.3 pts) on $447M net catastrophe losses, primarily from Southern California wildfires.","Gross wildfire loss estimate $2.15B; net of $1.29B reinsurance and $525M subrogation recovery on Eaton fire.","Quarterly dividend $0.3175/share, payable June 26, 2025 to holders of record June 12, 2025.","Net premiums earned +10% to $1.283B; net investment income after tax +24% to $67.9M."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.96,"consensus_revenue_estimate":null,"consensus_revenue_actual":1393879000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182780,"accession_number":"0001193125-25-024309","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2025-02-11T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q4: op EPS $2.78, combined ratio 91.4%; CA wildfires net loss est $155-325M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net premiums earned up 18.1% YoY to $1.35B; combined ratio improved 7.2 pts to 91.4%.","Operating income per diluted share $2.78 (non-GAAP), up 142% YoY; GAAP net income $1.82 per share.","Quarterly dividend of $0.3175 declared, payable March 27 to shareholders of record March 13.","CA DOI approved 12% homeowners rate increase effective March 2025; line ~16% of 2024 premiums.","Jan 2025 Palisades/Eaton wildfires: est. gross losses $1.6-2.0B, net loss $155-325M; company has $1B+ cash."],"consensus_eps_estimate":null,"consensus_eps_actual":8.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":5475633000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182779,"accession_number":"0000064996-25-000005","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2025-01-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Mercury General pays $80M in wildfire claims, details reinsurance structure","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Paid $80M to policyholders for living expenses and contents; dwelling claims at Coverage A for total losses.","PCS designated Palisades and Eaton as separate events; treaty allows combining within 150 miles.","Two-event scenario: up to $1.29B first event, $1.238B second event limits; retentions $150M each plus $101M reinstatement premium.","Sufficient liquidity; may add reinsurance for stub period ending June 30, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182778,"accession_number":"0000064996-25-000003","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2025-01-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Mercury General: SoCal wildfires (Jan 7) expected losses > $150M retention; reinsurance provides $1.29B limits","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Wildfires beginning Jan 7, 2025 in Southern California caused widespread damage; losses expected to exceed $150M retention.","Reinsurance program provides $1.29B per-occurrence limits after retention is exceeded.","If full $1.29B limits used, reinstatement premium estimated at $101M.","Reinsurance also covers assessments from California FAIR plan.","Claims adjusters assisting customers; claims portal available."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199356,"accession_number":"0000064996-24-000029","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2024-11-26T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Mercury General extends credit facility maturity to November 18, 2027","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Third Amendment to Amended and Restated Credit Agreement executed on Nov 22, 2024.","Maturity date fixed to November 18, 2027 (previously unspecified).","Lenders include Bank of America, Wells Fargo, U.S. Bank, and BMO Bank.","No changes to facility size, interest rate, or covenants disclosed.","Borrower represented no Event of Default exists and all representations true."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199355,"accession_number":"0001193125-24-246526","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2024-10-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General posts Q3 net income of $230.9M vs year-ago loss; combined ratio 93.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $230.9M ($4.17 diluted EPS) vs loss of $8.2M ($0.15 loss) in Q3 2023.","Net premiums earned $1.32B, up 21.1% YoY; combined ratio improved 5 points to 93.6%.","Operating income $140.4M, up 123.4% from $62.9M; net investment income up 19%.","Catastrophe losses net $39M; Hurricane Milton expected to add ≤$5M in Q4 2024.","Quarterly dividend maintained at $0.3175/share; payable Dec 26 to holders of record Dec 12."],"consensus_eps_estimate":null,"consensus_eps_actual":6.63,"consensus_revenue_estimate":null,"consensus_revenue_actual":4109454000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215387,"accession_number":"0001193125-24-188856","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2024-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q2 net income $62.6M; combined ratio improves to 98.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $62.6M ($1.13/diluted share) vs. loss of $41.5M ($0.75) in Q2 2023.","Net premiums earned rose 19.5% to $1.24B; net premiums written up 21.5% to $1.36B.","Combined ratio improved 11.2 points to 98.9% (from 110.1%) driven by underwriting improvement.","Catastrophe losses net of reinsurance were $125M vs. $92M in prior-year quarter.","Board declared quarterly dividend of $0.3175 per share, payable Sept 26 to holders of record Sept 12."],"consensus_eps_estimate":null,"consensus_eps_actual":2.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":2579080000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234701,"accession_number":"0000064996-24-000022","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2024-05-09T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Mercury General shareholders elect all nine directors, approve say-on-pay, ratify KPMG at 2024 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All nine director nominees elected; George Joseph received 47.6M for, 1.7M withheld.","Advisory vote on executive compensation approved with 47.5M for, 1.8M against, 59K abstain.","Ratification of KPMG as independent auditor for FY2024 passed with 52.2M for, 435K against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234700,"accession_number":"0001193125-24-125064","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2024-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q1 net income $73.5M vs loss; combined ratio 100.9%; declares $0.3175 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $73.5M ($1.33/sh) vs loss of $45.3M (-$0.82/sh) in Q1 2023.","Operating income $43.3M ($0.78/sh) vs operating loss $84M (-$1.52/sh) YoY.","Combined ratio improved to 100.9% from 115.8%; net premiums earned up 16.1% to $1.17B.","CA DOI approved auto rate increases of 22.5% (MIC) and 3.8% (CAIC) effective Feb 2024; 6.99% homeowners rate increase expected May 2024.","Quarterly dividend of $0.3175/sh declared, payable June 27, 2024 to holders of record June 13, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":1.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":1274085000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":252557,"accession_number":"0001193125-24-033701","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2024-02-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q4 net income $191M vs loss; combined ratio 98.6%; declares $0.3175 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $191.4M ($3.46 diluted EPS) vs loss $6.8M ($0.12 loss) a year ago; operating income $63.6M ($1.15 per share).","Combined ratio improved to 98.6% in Q4 from 115.8% YoY; full-year 105.4% vs 108.7%.","California DOI approved auto rate hikes of 22.5% (MIC) and 3.8% (CAIC), effective late Feb 2024; these lines represent ~53% of earned premiums.","Quarterly dividend declared $0.3175 per share, payable March 27, 2024 to holders of record March 13, 2024.","Q4 catastrophe losses fell to $16M from $40M; Jan 2024 California atmospheric river storm losses not yet estimable."],"consensus_eps_estimate":null,"consensus_eps_actual":1.74,"consensus_revenue_estimate":null,"consensus_revenue_actual":4629631000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270058,"accession_number":"0000064996-23-000039","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2023-12-13T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Mercury General appoints Victor Joseph as President & COO and director effective Jan 1, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Victor Joseph, 37, promoted to President & COO (from EVP & COO) and appointed to the Board, effective Jan 1, 2024.","He is son of founder/Chairman George Joseph and director Vicky Wai Yee Joseph; employed by Mercury since 2009.","As director, eligible for $7,500 quarterly retainer and per-meeting fees; no other arrangements reported.","He will continue reporting to CEO Gabriel Tirador, overseeing day-to-day operations and technology/talent investments."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270057,"accession_number":"0000064996-23-000037","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2023-11-30T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Mercury General increases revolving credit facility by $50M to $250M; net worth covenant amended","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Aggregate commitments increased from $200M to $250M via $50M accordion feature.","BMO Bank N.A. joins as a lender with $30M commitment; Bank of America adds $20M.","Minimum consolidated net worth covenant revised to add 25% of positive net income starting with FY 2023.","Amendment dated November 30, 2023; no defaults exist and all other loan terms remain in effect.","Existing lenders Wells Fargo ($85M) and U.S. Bank ($15M) retain their commitments unchanged."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270056,"accession_number":"0000950170-23-056852","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2023-10-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q3 net loss narrows to $8.2M; combined ratio improves to 98.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $8.2M ($0.15 diluted loss) vs $98.3M loss in Q3 2022; operating income of $62.9M ($1.14/diluted)","Net premiums earned $1.09B, up 9.4% YoY; net premiums written $1.21B, up 16.6%","Combined ratio 98.6% vs 102.8% in prior year; catastrophe losses $33M vs $19M","Board declares $0.3175 quarterly dividend, payable Dec 28, 2023 to holders of record Dec 14","Pending CA rate increases: personal auto 20.8% and homeowners 7.0% awaiting DOI approval"],"consensus_eps_estimate":null,"consensus_eps_actual":-1.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":3254998000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287038,"accession_number":"0000950170-23-036458","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2023-08-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q2 net loss $41.5M, operating loss $25.9M; combined ratio 110.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $41.5M ($0.75/sh) vs $210.7M loss Q2 2022; net premiums earned up 4.8% to $1.03B.","Operating loss $25.9M ($0.47/sh) vs $19.6M loss year ago; catastrophe losses $92M net of reinsurance.","Combined ratio 110.1% worsened 3.5 pts YoY; year-to-date favorable prior-year reserve development $20M.","Board declared $0.3175/share quarterly dividend, payable Sept 28 to holders of record Sept 14.","California personal auto rate increase 14.4% in 2023; additional 20.8% pending regulatory approval."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":2189806000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307092,"accession_number":"0000064996-23-000028","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2023-05-11T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Mercury General shareholders elect all 8 directors, approve say-on-pay and KPMG, adopt 1-year frequency","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All eight director nominees elected; George Joseph received 46,430,680 votes for, 1,577,688 withheld.","Advisory vote on executive compensation approved: 45,047,414 for, 2,895,389 against.","KPMG LLP ratified as independent auditor for FY2023: 51,807,931 for, 497,805 against.","Shareholders voted for 1-year frequency for say-on-pay (46,395,465); board adopts annual advisory vote."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307091,"accession_number":"0000950170-23-016668","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2023-05-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q1 net loss $45M; combined ratio 115.8%; catastrophe losses surge 345%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $45.3M ($0.82/diluted share) vs $196.9M loss in Q1 2022; operating loss $84M.","Net premiums earned $1.005B (+4.4% YoY); combined ratio 115.8% (up 6.3 pts).","Catastrophe losses $98M (up 345% from $22M) due to winter storms in CA, TX, OK.","Board declares $0.3175 quarterly dividend, payable June 29 to holders of record June 15.","Inflation pressures continue to hurt auto loss severity; rate increases filed in multiple states including CA."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.82,"consensus_revenue_estimate":null,"consensus_revenue_actual":1106579000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":326167,"accession_number":"0000950170-23-002780","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2023-02-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General full-year net loss $512.7M, Q4 combined ratio 115.8%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net loss $6.8M, diluted loss $0.12; full-year net loss $512.7M, diluted loss $9.26.","Combined ratio 115.8% Q4 vs 105.4% LY; full year 108.7% vs 98.3%.","Operating loss $80.4M Q4, $1.45 per diluted share; full-year operating loss $127.1M.","California DOI approved 6.9% rate increase for MIC & CAIC; plans another 6.9% filing in March.","Q4 catastrophe losses $43M; Jan 2023 atmospheric river storms estimated $35M in Q1 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":-9.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":3643066000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":343879,"accession_number":"0000064996-22-000026","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2022-11-22T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Mercury General expands credit facility to $200M, extends maturity to 2026","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Credit facility commitments increased to $200 million from $75 million (166% increase).","Maturity extended to November 16, 2026 from March 31, 2026 (additional 7.5 months).","Interest rate benchmark changed from LIBOR to SOFR; maximum incremental commitments raised to $100 million.","No outstanding borrowings at amendment date; facility remains undrawn."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":343878,"accession_number":"0001564590-22-036061","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2022-11-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q3 net loss $98.3M ($1.78/share); combined ratio 102.8%; declares $0.3175 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $98.3M vs income $1.3M in Q3 2021; diluted loss per share $1.78.","Net premiums earned $996.9M (+6% YoY); combined ratio worsened to 102.8% from 99.0%.","Operating income (non-GAAP) fell 56% to $15.6M; net realized investment losses $113.9M after tax.","Inflationary pressures on auto parts, labor, medical costs; rate increases filed in many states.","Board declared quarterly dividend $0.3175/share, payable Dec 29 to record Dec 15."],"consensus_eps_estimate":null,"consensus_eps_actual":-9.14,"consensus_revenue_estimate":null,"consensus_revenue_actual":2491373000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":360379,"accession_number":"0001564590-22-027474","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2022-08-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General reports Q2 net loss of $210.7M, combined ratio 106.6%, dividend cut to $0.3175","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $210.7M ($3.80 diluted loss) vs net income of $109.2M in Q2 2021.","Net premiums earned $987.5M, up 6.5% YoY; combined ratio deteriorated to 106.6% from 94.9%.","Operating loss (non-GAAP) of $19.6M vs operating income of $62.7M in prior year.","Net realized investment losses of $191.1M after tax, driven by equity market decline under fair value option.","Quarterly dividend declared at $0.3175 per share, reduced from prior periods due to inflation; payable Sept 29 to holders of record Sept 15."],"consensus_eps_estimate":null,"consensus_eps_actual":-7.36,"consensus_revenue_estimate":null,"consensus_revenue_actual":1591086000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379412,"accession_number":"0000064996-22-000017","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2022-05-12T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Mercury General shareholders elect all eight directors at 2022 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All eight director nominees elected; George Joseph received 46.3M for, 1.48M withheld.","Advisory vote on executive compensation approved: 45.0M for, 2.7M against, 76.9K abstain.","KPMG LLP ratified as independent auditor for FY2022: 51.7M for, 217.7K against, 48.7K abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":379411,"accession_number":"0001564590-22-017433","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2022-05-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General reports Q1 net loss of $196.9M; combined ratio worsens to 109.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $196.9M ($3.56 diluted loss) vs net income of $107.0M ($1.93 diluted EPS) in Q1 2021.","Operating loss of $42.8M ($0.77 per share) vs operating income of $74.1M ($1.34 per share) a year ago.","Combined ratio deteriorated to 109.5% from 93.5%, driven by adverse reserve development of $53M and catastrophe losses of $22M.","Net realized investment losses of $154.1M after tax, compared to gains of $32.9M in prior year.","Declared quarterly dividend of $0.6350 per share, payable June 30, 2022 to shareholders of record June 16, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":805461000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":397604,"accession_number":"0001564590-22-005212","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2022-02-15T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q4 net income drops 81.7% to $0.55 EPS; combined ratio worsens to 105.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $30.5M ($0.55 diluted) vs $166.7M ($3.01) a year ago; operating loss per share ($0.23).","Combined ratio 105.4% in Q4 vs 93.3% prior year, driven by catastrophe losses and lower investment gains.","Full-year net premiums earned $3.74B, up 5.2% YoY; catastrophe losses totaled $104M for Q4 and $109M for FY.","Board declared quarterly dividend of $0.6350/share, payable March 30, 2022 to holders of record March 16."],"consensus_eps_estimate":null,"consensus_eps_actual":4.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":3993357000.0,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":416580,"accession_number":"0001564590-21-053574","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2021-11-02T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Mercury General Q3 net income sinks to $1.3M, combined ratio 99.0%, dividend raised to $0.635","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.3M ($0.02/diluted) vs $118.9M ($2.15) a year ago; operating income $35.7M ($0.64/diluted).","Combined ratio worsened to 99.0% from 94.3%; catastrophe losses net of reinsurance $25M in Q3.","Dividend declared $0.635/share payable Dec 30 to holders of record Dec 16 (increase from prior).","Board appointed Vicky Wai Yee Joseph as director; she is wife of Chairman George Joseph.","Net premiums earned $940.9M, up 4.6% YoY; realized investment losses after tax $34.4M."],"consensus_eps_estimate":null,"consensus_eps_actual":3.93,"consensus_revenue_estimate":null,"consensus_revenue_actual":2944084000.0,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":434147,"accession_number":"0000064996-21-000028","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2021-09-15T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Mercury General names Victor Joseph EVP & COO effective Jan 1, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Victor Joseph, 34, appointed to newly created role of EVP & COO, effective January 1, 2022.","Responsibilities expand from Underwriting to include Advertising, Claims, HR, IT, Marketing, Product Management.","Joseph is son of founder and Chairman George Joseph, age 100.","He will report directly to CEO Gabriel Tirador.","Joseph has been with Mercury since 2009, most recently as VP & Chief Underwriting Officer since 2017."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":434146,"accession_number":"0001564590-21-040235","cik":64996,"company_name":"MERCURY GENERAL CORP","ticker":"MCY","form_type":"8-K","filed_at":"2021-08-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Mercury General Q2 net income down 52% to $109M; combined ratio worsens to 94.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $109.2M ($1.97 diluted EPS), down from $228.2M ($4.12) in Q2 2020.","Combined ratio 94.9%, worsening 6.7 pts from 88.2% due to higher catastrophe losses.","Catastrophe losses net of reinsurance $25M in Q2 2021, more than double Q2 2020's $12M.","Net premiums earned $926.8M, up 14.2% but Q2 2020 had ~$106M COVID-related refunds.","Quarterly dividend of $0.6325 per share declared, payable Sept 30 to holders of record Sept 16."],"consensus_eps_estimate":null,"consensus_eps_actual":3.9,"consensus_revenue_estimate":null,"consensus_revenue_actual":2011871000.0,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5360511405.642641,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}