Recent 8-K filings for MCY

• August 26, 2026, 4:05 PM ET leadership materiality 0.50 neutral item 7.01item 9.01

  Mercury General founder George Joseph dies at 104; CEO Tirador named Chairman

  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.

• August 4, 2026, 4:06 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Mercury General Q2 net income $263.5M ($4.76/sh), up 58%; combined ratio 89.9%

  Net income $263.5M ($4.76 diluted EPS), up 58% YoY; operating income $195.2M ($3.52/sh), up 32%.

• June 24, 2026, 4:27 PM ET debt materiality 0.40 neutral item 1.01item 1.02item 2.03item 9.01

  Mercury General enters $250M unsecured revolving credit facility, maturing 2031

  Second Amended and Restated Credit Agreement provides $250M unsecured revolving facility, matures June 24, 2031.

• June 12, 2026, 4:06 PM ET debt materiality 0.70 neutral item 1.01item 2.03item 8.01item 9.01 ◈ Material Agreements ×2◈ Debt Financings

  Mercury General completes $525M 6.250% Senior Notes due 2036 offering

  Issued $525M aggregate principal of 6.250% Senior Notes at 99.764% of par, maturing June 15, 2036.

• June 9, 2026, 8:27 AM ET other material materiality 0.70 positive item 8.01

  Mercury General reports Q1 2026 net income of $190M, reversing prior-year loss

  Net income of $190M for Q1 2026 vs net loss of $108M in Q1 2025.

• May 13, 2026, 6:29 PM ET other material materiality 0.15 neutral item 5.07item 9.01 ◈ Shareholder Votes ×3

  Mercury General shareholders re-elect all nine directors, approve say-on-pay and auditor

  All nine director nominees received between 39.1M and 40.7M votes for, with no withhold exceeding 1.8M shares.

• May 5, 2026, 7:59 PM ET earnings materiality 0.90 positive item 2.02item 9.01

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

  Net income of $190.4M ($3.44 diluted EPS) vs loss of $108.3M ($1.96 loss) in Q1 2025.

• February 17, 2026, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Mercury General Q4 net income $202.5M ($3.66 EPS), doubled YoY; wildfire net loss $380M

  Q4 2025 net income $202.5M ($3.66 diluted EPS), up 100% from $101.1M ($1.82) a year ago.

• November 4, 2025, 6:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

  Mercury General Q3 net income $280.4M, EPS $5.06; combined ratio improves to 87.0%

  Net premiums earned $1.41B (+6.8% YoY); operating income $213.7M, up 52.2%.

• July 29, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Mercury General Q2 net income jumps 166% to $166.5M on lower catastrophe losses; combined ratio improves to 92.5%

  Diluted EPS $3.01 vs $1.13 a year ago; operating EPS $2.67 vs $1.09.

• May 15, 2025, 7:59 PM ET other materiality 0.00 neutral item 5.07item 9.01

  Mercury General shareholders elect all nine directors and approve advisory compensation vote

  All nine director nominees elected; George Joseph received 39.3M for, 1.9M withheld.

• May 6, 2025, 7:59 PM ET earnings materiality 0.90 negative item 2.02item 9.01

  Mercury General Q1 net loss $108.3M; wildfire losses drive combined ratio to 119.2%

  Net loss of $108.3M ($1.96 diluted EPS) vs net income of $73.5M ($1.33) in Q1 2024.

• February 11, 2025, 6:59 PM ET earnings materiality 0.85 negative item 2.02item 9.01

  Mercury General Q4: op EPS $2.78, combined ratio 91.4%; CA wildfires net loss est $155-325M

  Q4 net premiums earned up 18.1% YoY to $1.35B; combined ratio improved 7.2 pts to 91.4%.

• January 21, 2025, 6:59 PM ET other material materiality 0.65 negative item 7.01item 9.01

  Mercury General pays $80M in wildfire claims, details reinsurance structure

  Paid $80M to policyholders for living expenses and contents; dwelling claims at Coverage A for total losses.

• January 10, 2025, 6:59 PM ET other material materiality 0.85 negative item 7.01item 9.01

  Mercury General: SoCal wildfires (Jan 7) expected losses > $150M retention; reinsurance provides $1.29B limits

  Wildfires beginning Jan 7, 2025 in Southern California caused widespread damage; losses expected to exceed $150M retention.

• November 26, 2024, 6:59 PM ET debt materiality 0.30 neutral item 1.01item 2.03item 9.01

  Mercury General extends credit facility maturity to November 18, 2027

  Third Amendment to Amended and Restated Credit Agreement executed on Nov 22, 2024.

• October 29, 2024, 7:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Mercury General posts Q3 net income of $230.9M vs year-ago loss; combined ratio 93.6%

  Net income $230.9M ($4.17 diluted EPS) vs loss of $8.2M ($0.15 loss) in Q3 2023.

• July 30, 2024, 7:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Mercury General Q2 net income $62.6M; combined ratio improves to 98.9%

  Net income of $62.6M ($1.13/diluted share) vs. loss of $41.5M ($0.75) in Q2 2023.

• May 9, 2024, 7:59 PM ET other materiality 0.15 neutral item 5.07item 9.01 ◈ Shareholder Votes ×3

  Mercury General shareholders elect all nine directors, approve say-on-pay, ratify KPMG at 2024 annual meeting

  All nine director nominees elected; George Joseph received 47.6M for, 1.7M withheld.

• April 30, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01 ◈ Earnings Releases

  Mercury General Q1 net income $73.5M vs loss; combined ratio 100.9%; declares $0.3175 dividend

  Net income of $73.5M ($1.33/sh) vs loss of $45.3M (-$0.82/sh) in Q1 2023.

• February 13, 2024, 6:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01 ◈ Earnings Releases ×2

  Mercury General Q4 net income $191M vs loss; combined ratio 98.6%; declares $0.3175 dividend

  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).

• December 13, 2023, 6:59 PM ET leadership materiality 0.60 positive item 5.02item 7.01item 9.01 ◈ executive_change ×2

  Mercury General appoints Victor Joseph as President & COO and director effective Jan 1, 2024

  Victor Joseph, 37, promoted to President & COO (from EVP & COO) and appointed to the Board, effective Jan 1, 2024.

• November 30, 2023, 6:59 PM ET debt materiality 0.50 neutral item 1.01item 2.03item 9.01 ◈ Debt Financings◈ Material Agreements

  Mercury General increases revolving credit facility by $50M to $250M; net worth covenant amended

  Aggregate commitments increased from $200M to $250M via $50M accordion feature.

• October 31, 2023, 7:59 PM ET earnings materiality 0.70 neutral item 2.02item 9.01 ◈ Earnings Releases

  Mercury General Q3 net loss narrows to $8.2M; combined ratio improves to 98.6%

  Net loss of $8.2M ($0.15 diluted loss) vs $98.3M loss in Q3 2022; operating income of $62.9M ($1.14/diluted)

• August 1, 2023, 7:59 PM ET earnings materiality 0.65 negative item 2.02item 9.01 ◈ Earnings Releases

  Mercury General Q2 net loss $41.5M, operating loss $25.9M; combined ratio 110.1%

  Net loss $41.5M ($0.75/sh) vs $210.7M loss Q2 2022; net premiums earned up 4.8% to $1.03B.

• May 11, 2023, 7:59 PM ET other material materiality 0.15 neutral item 5.07item 9.01 ◈ Shareholder Votes ×4

  Mercury General shareholders elect all 8 directors, approve say-on-pay and KPMG, adopt 1-year frequency

  All eight director nominees elected; George Joseph received 46,430,680 votes for, 1,577,688 withheld.

• May 2, 2023, 7:59 PM ET earnings materiality 0.80 negative item 2.02item 9.01 ◈ Earnings Releases

  Mercury General Q1 net loss $45M; combined ratio 115.8%; catastrophe losses surge 345%

  Net loss of $45.3M ($0.82/diluted share) vs $196.9M loss in Q1 2022; operating loss $84M.

• February 14, 2023, 6:59 PM ET earnings materiality 0.80 negative item 2.02item 9.01 ◈ Earnings Releases

  Mercury General full-year net loss $512.7M, Q4 combined ratio 115.8%

  Q4 net loss $6.8M, diluted loss $0.12; full-year net loss $512.7M, diluted loss $9.26.

• November 22, 2022, 6:59 PM ET debt materiality 0.60 neutral item 1.01item 2.03item 9.01 ◈ Debt Financings◈ Material Agreements

  Mercury General expands credit facility to $200M, extends maturity to 2026

  Credit facility commitments increased to $200 million from $75 million (166% increase).

• November 1, 2022, 7:59 PM ET earnings materiality 0.85 negative item 2.02item 9.01

  Mercury General Q3 net loss $98.3M ($1.78/share); combined ratio 102.8%; declares $0.3175 dividend

  Net loss $98.3M vs income $1.3M in Q3 2021; diluted loss per share $1.78.

• August 2, 2022, 7:59 PM ET earnings materiality 0.85 negative item 2.02item 9.01

  Mercury General reports Q2 net loss of $210.7M, combined ratio 106.6%, dividend cut to $0.3175

  Net loss of $210.7M ($3.80 diluted loss) vs net income of $109.2M in Q2 2021.

• May 12, 2022, 7:59 PM ET other material materiality 0.15 neutral item 5.07item 9.01

  Mercury General shareholders elect all eight directors at 2022 annual meeting

  All eight director nominees elected; George Joseph received 46.3M for, 1.48M withheld.

• May 3, 2022, 7:59 PM ET earnings materiality 0.85 negative item 2.02item 9.01

  Mercury General reports Q1 net loss of $196.9M; combined ratio worsens to 109.5%

  Net loss of $196.9M ($3.56 diluted loss) vs net income of $107.0M ($1.93 diluted EPS) in Q1 2021.

• February 15, 2022, 6:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01

  Mercury General Q4 net income drops 81.7% to $0.55 EPS; combined ratio worsens to 105.4%

  Q4 net income $30.5M ($0.55 diluted) vs $166.7M ($3.01) a year ago; operating loss per share ($0.23).

• November 2, 2021, 7:59 PM ET earnings materiality 0.70 negative item 2.02item 5.02item 9.01 ◈ executive_change

  Mercury General Q3 net income sinks to $1.3M, combined ratio 99.0%, dividend raised to $0.635

  Net income $1.3M ($0.02/diluted) vs $118.9M ($2.15) a year ago; operating income $35.7M ($0.64/diluted).

• September 15, 2021, 7:59 PM ET leadership materiality 0.40 neutral item 5.02item 9.01 ◈ executive_change

  Mercury General names Victor Joseph EVP & COO effective Jan 1, 2022

  Victor Joseph, 34, appointed to newly created role of EVP & COO, effective January 1, 2022.

• August 3, 2021, 7:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01

  Mercury General Q2 net income down 52% to $109M; combined ratio worsens to 94.9%

  Net income $109.2M ($1.97 diluted EPS), down from $228.2M ($4.12) in Q2 2020.

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.90 · Median 0.75 · Most common event earnings

11 positive 13 negative 13 neutral

source · MCY on sec.gov