Recent 8-K filings for MCY

• 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 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 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 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.

• 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.

• 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.

• 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 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 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).

• 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