Mercury General Corp. (MCY)

From the record

Mercury General Corp.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Mercury General Corp.'s 10 filed years say what it did: revenue went from $3.2 billion in fiscal 2016 to $6.0 billion in fiscal 2025, up 7.1% a year; it rose in 6 of 9 years; the deepest fall was 9% from fiscal 2021 to fiscal 2022; net income was positive in 8 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Mercury General Corp.'s diluted share count held steady, and dividends and buybacks returned about 8% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 3 purchases of their own stock on the open market in the year to 2026-11-10, buying about $162 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Mercury General Corp. earned about 22 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 63 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 75 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

From the record

Mercury General Corp.'s standing among 60 graded names in its industry family: revenue of $6.0 billion in fiscal 2025 ranks in the top 32% by size; a net margin of 9% ranks in the bottom 34%; revenue growth of 18% a year over the last 3 filed years ranks in the top 36% (its annual reports).

From the record

Mercury General Corp.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Tirador, Gabriel (President & CEO, as filed), filing under that title since 2016-02-23, 10.7 years (top 24% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 7.7 years (top 46%); 1 officer or director change was reported on Form 8-K since 2023-11-13, against the 18 people in charge now (top 1%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Mercury General Corp.'s room to grow, from the newest filed statements (fiscal 2025): cash of $1.3 billion against debt of $575 million leaves 7.7% of its assets as net cash, top 17% of its family; cash from operations less capital spending is 17.2% of revenue (bottom 49%); a gross margin of 99.7% (top 17%) (its annual report).

From the record

Mercury General Corp.'s growth drivers, from the filed years to fiscal 2025: revenue grew 18% a year over the last three filed years against 7.1% over all 10, speeding up (top 17% of its family); the newest year grew 9.4% (top 42%); capital spending grew 18.1% a year (top 13%) (its annual reports). Mercury General Corp. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Mercury General Corp.'s newest year against its own record: revenue of $6.0 billion in fiscal 2025 came in 10.7% below the $6.7 billion its prior three years' pace pointed to (bottom 26% of its family); net income of $541 million against a prior three-year average of $17 million (top 6%); a net margin of 9% against -1.1% before (top 26%) (its annual reports).