---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-206384"
form_type: "8-K"
ticker: "MCY"
cik: "0000064996"
company_name: "MERCURY GENERAL CORP"
filed_at: "2026-05-05T23:59:59+00:00"
generated_at: "2026-05-14T23:37:50.977639+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

# Mercury General reports Q1 net income of $190M vs year-ago loss; combined ratio improves to 89.3%

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-26-206384
- form_type: 8-K
- ticker: MCY
- cik: 0000064996
- company_name: MERCURY GENERAL CORP
- filed_at: 2026-05-05T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/64996/000119312526206384/0001193125-26-206384-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/64996/000119312526206384/d480814d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-206384
- JSON: https://secwatch.observer/filing/0001193125-26-206384.json
- Plain text: https://secwatch.observer/filing/0001193125-26-206384.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.