MCY at a glance
MERCURY GENERAL CORP (MCY, SEC CIK 64996) filed its latest 10-K annual report on February 17, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on August 26, 2026 and Form 4 insider filings as recently as April 22, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), MERCURY GENERAL CORP (MCY) reported revenue of $6.0 billion (up 9.4% from FY2024) and net income of $541.1 million. Diluted EPS was $9.77.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding MERCURY GENERAL CORP (MCY) shares worth $1.6 billion in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $6.0B
- +9.4% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 31 funds
- $1.6B · −1 vs prior quarter
- Latest 8-K
- Aug 26, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Property and casualty insurance with focus on California market
- New regulatory-driven pricing approach incorporating catastrophe modeling and reinsurance costs effective July 2026
- Strategic emphasis on meeting California DOI’s mandated 85% market share in wildfire-prone areas under new regulations
- Rate increases approved on major lines, e.g., 22.5% on private passenger auto (MIC) and multiple hikes totaling over 25% on homeowners insurance in California
- $50 million assessment from California FAIR Plan due to 2025 wildfires with $25 million recoupment approved via temporary fees
Risk Factors
- Cybersecurity risk management overseen by Board and CEO with escalation for high-severity incidents tested by independent third parties
- Key-person dependency on CEO Gabriel Tirador with 30+ years industry and 20 years technology unit leadership experience
- Enterprise Risk Management Committee integrates cybersecurity risks into overall risk process with CIO and CTO participation
- Disclosure Committee informed of significant cybersecurity incidents to determine materiality and potential reporting requirements
- Use of third-party cybersecurity consultants for periodic system evaluations to prevent and remediate threats
Management Discussion & Analysis
- Net cash from operations $1,087.2M in 2025, up $50.1M YoY driven by higher premium collections and investment income
- Dividend capacity from insurance subsidiaries $448M in 2026, cash & investments at Mercury $114M as of Dec 31, 2025
- Investment portfolio fair value $6.58B with fixed maturities $5.43B, equities $813M, and short-term investments $337M
- Operating cash flow sufficient for liquidity, $1.65B cash & short-term investments plus $50M undrawn credit facility
- Risk of changing timing/amounts of cash receipts due to evolving business environment, potential need for equity or debt issuance
AI summary of the MCY 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue $1.498B, up 9.6% YoY from $1.367B
- Combined ratio 89.9% vs 92.5% YoY; loss ratio 65.0% vs 68.8%
- Best line California homeowners; direct premiums written $653.6M vs $542.8M
- Net income $263.5M vs $166.5M; net realized investment gains $86.5M vs $23.5M
- Headwinds: catastrophe losses $71M; California auto rate filing targeted for August 2026
Risk Factors
- No material changes to risk factors identified since the December 31, 2025 Form 10-K
- Carried-forward regulatory and compliance risks unchanged from the 2025 Form 10-K
- Carried-forward operational and competitive risks unchanged from the 2025 Form 10-K
- Carried-forward liquidity, debt, and capital risks unchanged from the 2025 Form 10-K
AI summary of the MCY 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Founder and longtime Chairman George Joseph’s passing creates a significant leadership succession event
- CEO Gabriel Tirador appointed Chairman, consolidating chief executive and board leadership
Item EX-99.1: Item EX-99.1
- Q2 net income $263.5M, up 58.3%; operating income $195.2M, up 31.9%
- Premium growth remained strong, with net premiums earned up 9.6% to $1.50B
Item 2.02: Results of Operations and Financial Condition
- Filing contains only execution signatures dated August 4, 2026
- No earnings figures or operating results included in the provided Item 2.02 text
Item 1.01: Entry into a Material Definitive Agreement
- New five-year, $250 million unsecured revolving facility replaces the prior agreement
- Maturity extended to June 24, 2031, with proceeds available for general corporate purposes
AI summaries of MCY 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for MCY
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Nardella Barnaby Joel | A | Apr 20, 2026 | 1,580.61 | - |
| TONEY CHARLES | A | Apr 20, 2026 | 79.65 | - |
| STALICK THEODORE R | A | Feb 21, 2026 | 2,440.2 | - |
| Pang Wei | A | Feb 21, 2026 | 1,943.7 | - |
| GRAVES CHRISTOPHER | A | Feb 21, 2026 | 1,729 | - |
| Ribisi Mark Allan | A | Feb 21, 2026 | 1,388.3 | - |
| TONEY CHARLES | A | Feb 21, 2026 | 414.8 | - |
| Butler Kelly Lynn | A | Feb 21, 2026 | 1,110.7 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $4.6B | $5.5B | $6.0B | |
| Net Income | $96.3M | $468.0M | $541.1M | |
| Net Margin | 2.1% | 8.5% | 9.0% | |
| Balance Sheet | ||||
| Total Assets | $7.1B | $8.3B | $9.6B | |
| Equity | $1.5B | $1.9B | $2.4B | |
| ROE | 6.2% | 24.0% | 22.4% | |
| Per Share | ||||
| EPS | $1.74 | $8.45 | $9.77 | |
| Cash Flow | ||||
| Operating CF | $453.0M | $1.0B | $1.1B | |
Source: XBRL data in MERCURY GENERAL CORP (MCY)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate MCY share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $1.62B |
| Q1 2026 | 32 | $1.31B |
| Q4 2025 | 29 | $1.41B |
| Q3 2025 | 30 | $1.31B |
| Q2 2025 | 31 | $1.07B |
| Q1 2025 | 27 | $675.2M |
| Q4 2024 | 22 | $694.8M |
| Q3 2024 | 19 | $416.6M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 221 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
MCY filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Aug 26, 2026 | - | Analysis | - |
| 8-K | Aug 4, 2026 | - | Analysis | - |
| 10-Q | Aug 4, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jun 24, 2026 | - | Analysis | - |
| 8-K | Jun 12, 2026 | - | Analysis | - |
| 8-K | Jun 9, 2026 | - | Analysis | |
| 8-K | May 14, 2026 | - | Analysis | |
| 10-Q | May 5, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 5, 2026 | - | Analysis | - |
| 4 | Apr 22, 2026 | - | - | - |
| 4 | Apr 22, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
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MCY SEC filings: frequently asked questions
Which institutions hold MCY stock?
As of June 30, 2026, the largest MERCURY GENERAL CORP (MCY) holders among the 13F filers tracked by SignalX were BlackRock ($479.6 million), Dimensional Fund Advisors ($230.6 million), Vanguard Portfolio Management LLC ($189.9 million), Vanguard Capital Management LLC ($131.4 million), State Street Corp ($123.7 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was MCY's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), MERCURY GENERAL CORP (MCY) reported revenue of $6.0 billion (up 9.4% from FY2024) and net income of $541.1 million. Diluted EPS was $9.77. The figures come from the XBRL data in the 10-K.
What are the main risks in MCY's latest 10-K?
In the 10-K filed February 17, 2026, MERCURY GENERAL CORP (MCY) flagged: Cybersecurity risk management overseen by Board and CEO with escalation for high-severity incidents tested by independent third parties. Key-person dependency on CEO Gabriel Tirador with 30+ years industry and 20 years technology unit leadership experience. (AI summary of the Risk Factors section.)
What did MCY report in its latest 8-K?
MERCURY GENERAL CORP (MCY) filed an 8-K on August 26, 2026 reporting Item 7.01 (Regulation FD Disclosure). Founder and longtime Chairman George Joseph’s passing creates a significant leadership succession event.
What are the latest MCY SEC filings?
MERCURY GENERAL CORP (MCY) filed its latest 10-K annual report on February 17, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on August 26, 2026 and a Form 4 insider filing on April 22, 2026.
What is MCY's SEC CIK number?
MERCURY GENERAL CORP (MCY)'s SEC Central Index Key (CIK) is 64996. EDGAR lists every MCY filing under that number.
Ask anything about MCY
The research agent reads MCY's filings, financials, insider trades and 13F holders, then answers with sources.