{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-22-005212","form_type":"8-K","ticker":"MCY","cik":"0000064996","company_name":"MERCURY GENERAL CORP","filed_at":"2022-02-15T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.429763+00:00","generated_at":"2026-06-27T08:09:18.341957+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Mercury General Q4 net income drops 81.7% to $0.55 EPS; combined ratio worsens to 105.4%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-22-005212","json":"https://secwatch.observer/filing/0001564590-22-005212.json","markdown":"https://secwatch.observer/filing/0001564590-22-005212.md","text":"https://secwatch.observer/filing/0001564590-22-005212.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/64996/000156459022005212/0001564590-22-005212-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/64996/000156459022005212/mcy-8k_20220215.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T08:09:18.341957+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}