What is the 13F Pro Quality Score for MCY?

13F Pro ranks MERCURY GENERAL CORP (MCY) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View MCY's current score at https://13fpro.ai/company/MCY (free sign-up required for the full ranking).

Where does 13F Pro source MCY data?

All MERCURY GENERAL CORP fundamentals and ownership data come directly from SEC EDGAR. MERCURY GENERAL CORP files with the SEC under CIK 64996. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is MCY in?

MERCURY GENERAL CORP (MCY) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives MCY's revenue?

Per MERCURY GENERAL CORP's latest 10-Q filed with the SEC on 2026-08-04, the biggest revenue drivers are: Net premiums earned ($1,497.8M, +9.6% YoY); Private passenger automobile ($917.6M); Homeowners ($386.9M). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/MCY.

What are MCY's largest expenses?

MERCURY GENERAL CORP's latest 10-Q reports these as the largest expense items: Losses and loss adjustment expenses ($973.3M); Policy acquisition costs ($250.3M); Other operating expenses ($122.9M). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is MCY research updated on 13F Pro?

MCY's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

MERCURY GENERAL CORP(MCY)Stock Analysis

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13F Pro Quality Score

76.6/100

Rank #81 of 2,961 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

73.2/100

Profitability

78.8/100

Balance Sheet

84.6/100

Earnings Quality

63.7/100

Free Cash Flow

72.8/100

Institutional Flow

24.7/100

Revenue Scale

81.2/100

Dilution Risk

84.2/100

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Why MCY Scores 77/100

exact factor attribution · 2026-09-11

MCY's composite is driven by scale and revenue growth, held back by institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+6.2 pts

81th pct

Revenue growth

+6.2 pts

73th pct

Profitability

+5.8 pts

79th pct

Capital efficiency

+4.6 pts

85th pct

Free cash flow

+3.4 pts

73th pct

Earnings growth

+3.3 pts

99th pct

Shareholder dilution

+2.3 pts

84th pct

Earnings quality

+1.4 pts

64th pct

Institutional flow

-1.7 pts

25th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

MCY Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for MERCURY GENERAL CORP (MCY), a Financials sector company. 13F Pro's AI-powered ranking engine scores MCY at 76.6/100 on a 32-signal composite quality model, placing it at rank #81 of 2,961 stocks — the top 5% of the AI-ranked universe. MCY scores in the top quartile across balance sheet strength (84.6), revenue scale (81.2), profitability (78.8). Areas of concern include institutional flow (24.7), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), MERCURY GENERAL CORP reports quarterly revenue of $1.7B, net income of $263.5M, an operating margin of 19.5%. Top institutional holders of MCY by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. MCY trades on the NYSE exchange and files with the SEC under CIK 64996. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate MCY daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for MERCURY GENERAL CORP directly from SEC EDGAR. MERCURY GENERAL CORP's 13F Pro composite quality score has ranged between 50 and 79 since 2021, currently 76.6 — an improving long-term trajectory across 67 quarterly and live scoring snapshots.

✦

Fun facts about MERCURY GENERAL CORP

Quirks, history, and lore behind MCY — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. property and casualty insurer · mid-cap · listed on the NYSE · headquartered in Los Angeles, California.
2
The Numbers
Annual revenue in the low billions, with a business concentrated almost entirely in personal automobile insurance — not a diversified conglomerate, just cars.
3
The History
Founded in 1961, it grew steadily as a California-focused auto insurer before expanding to a handful of other states over the following decades.
4
The Secret
The Bhansali family has maintained controlling influence over the company for decades, making it one of the more founder-family-controlled insurers still trading publicly.
5
The Lore
It's one of the largest personal auto insurers in California — a state so litigious and wildfire-scorched that just doing business there is its own extreme sport.
6
The Giveaway
Named after the fastest planet in the solar system, this California auto insurer trades under the ticker MCY — and no, it has nothing to do with Freddie.

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What's Driving MCY's Business? Latest 10-Q Breakdown

✓ 37/37 datapoints verified

AI-extracted from MERCURY GENERAL CORP's 10-Q filed 2026-08-04 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Q2 net premiums earned rose 9.6% to $1,497.8M and the combined ratio improved to 89.9% from 92.5%, lifting net income to $263.5M ($4.76/share).

Biggest Revenue Drivers

Net premiums earned$1,497.8M+9.6% YoY

Rate increase in California homeowners and more policies written in California automobile and homeowners lines, partly offset by higher ceded premiums earned

Net investment income$89.8M

Higher average invested assets ($6.89B versus $5.70B), though pre-tax yield fell to 4.5% on more tax-exempt holdings

Biggest Revenue Drivers

Total revenue: $1.68B+13.8% YoY

Net premiums earned$1,497.8M+9.6% YoY

Rate increase in California homeowners and more policies written in California automobile and homeowners lines, partly offset by higher ceded premiums earned

Within Net premiums earned

Private passenger automobile$917.6M

The Company's primary line of insurance business

Homeowners$386.9M

California DOI-approved 12% homeowners rate increase effective March 2025

Net investment income$89.8M

Higher average invested assets ($6.89B versus $5.70B), though pre-tax yield fell to 4.5% on more tax-exempt holdings

Net realized investment gains$86.5M

Improvement in overall market conditions for fixed maturity securities and overall improvement in equity markets

Largest Expense Items

Losses and loss adjustment expenses$973.3M

Included ~$71M of catastrophe losses net of reinsurance from Texas and Oklahoma storms, offset by ~$35M favorable prior-year development

Policy acquisition costs$250.3M

Deferred acquisition cost amortization of $250.3 million versus $227.9 million a year earlier

Other operating expenses$122.9M

Increases in profitability-based accruals and advertising expenses; share-based compensation was $8.7M versus $3.3M

Interest$7.9M

Notes payable rose to $943.8M after issuing $525M of 6.25% senior notes on June 12, 2026

Margins: Combined ratio improved to 89.9% from 92.5%; loss ratio fell to 65.0% from 68.8% on rate increases and lower auto frequency, while the expense ratio rose to 24.9% from 23.7%.

Watch Items from the Filing

California accounted for 82.4% of direct premiums written in the first half of 2026, up from 80.9%, concentrating wildfire and regulatory exposure.
Eaton fire subrogation receivable of ~$562M, roughly 55% of estimated ultimate losses, depends on recovery from Southern California Edison, which has not admitted causation.
Q2 catastrophe losses of ~$71M net of reinsurance plus ~$4M unfavorable prior-year catastrophe development; first-half wildfire losses rose $79.8M on partial-loss claims.
Notes payable rose to $943.8M from $574.5M after issuing $525M of 6.25% notes; $375M of 4.40% notes were redeemed July 13, 2026, at a ~$0.5M loss.
New California rating plan effective July 2026 adds a 6.9% homeowners increase but requires aligning wildfire-area market share to 85% of statewide share.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$1.7B

Net Income

Q2 2026

$263.5M

Operating Margin

Q2 2026

19.5%

ROIC

Q2 2026

34.6%

D/E Ratio

Q2 2026

0.33

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+9.4% YoY

$5.99BFY 2025

FY22 $3.64BFY23 $4.63BFY24 $5.48BFY25 $5.99B

Net Income

+15.6% YoY

$541.1MFY 2025

FY22 $-512.7MFY23 $96.3MFY24 $468.0MFY25 $541.1M

EPS (Diluted)

+15.6% YoY

$9.77FY 2025

FY22 $-9.26FY23 $1.74FY24 $8.45FY25 $9.77

Total Assets

+15.0% YoY

$9.56BFY 2025

FY22 $6.51BFY23 $7.10BFY24 $8.31BFY25 $9.56B

Total Debt

+0.0% YoY

$575.0MFY 2025

FY22 $400.0MFY23 $575.0MFY24 $575.0MFY25 $575.0M

Op. Cash Flow

+4.8% YoY

$1.09BFY 2025

FY22 $352.6MFY23 $453.0MFY24 $1.04BFY25 $1.09B

Free Cash Flow

+3.8% YoY

$1.03BFY 2025

FY22 $317.1MFY23 $416.2MFY24 $991.0MFY25 $1.03B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$5.99B +9.4%	$5.48B +18.3%	$4.63B +27.1%	$3.64B -8.8%	$3.99B +5.5%	$3.78B
Net Income	$541.1M +15.6%	$468.0M +385.8%	$96.3M +118.8%	$-512.7M -306.8%	$247.9M -33.8%	$374.6M
EPS (Diluted)	$9.77 +15.6%	$8.45 +385.6%	$1.74 +118.8%	$-9.26 -306.7%	$4.48 -33.8%	$6.77
Total Assets	$9.56B +15.0%	$8.31B +17.0%	$7.10B +9.0%	$6.51B -3.8%	$6.77B +7.0%	$6.33B
Total Debt	$575.0M +0.0%	$575.0M +0.0%	$575.0M +43.8%	$400.0M +6.7%	$375.0M +0.0%	$375.0M
Operating Cash Flow	$1.09B +4.8%	$1.04B +128.9%	$453.0M +28.5%	$352.6M -29.7%	$501.6M -17.2%	$605.6M
Free Cash Flow	$1.03B +3.8%	$991.0M +138.1%	$416.2M +31.3%	$317.1M -31.1%	$460.1M -18.7%	$565.7M

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Available Research

13F Pro tracks comprehensive data for MERCURY GENERAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of MCY

BlackRock, Inc.
$479.6M4,498,256 sh
DIMENSIONAL FUND ADVISORS LP
$230.6M2,163,143 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$189.9M1,781,446 sh
Rubric Capital Management LP
$164.3M1,541,440 sh
VANGUARD CAPITAL MANAGEMENT LLC
$131.4M1,232,655 sh
STATE STREET CORP
$123.7M1,159,962 sh
GEODE CAPITAL MANAGEMENT, LLC
$102.5M961,217 sh
AMERICAN CENTURY COMPANIES INC
$102.4M960,484 sh
RENAISSANCE TECHNOLOGIES LLC
$83.3M781,682 sh
Invesco Ltd.
$68.9M646,237 sh

Fund	Value	Shares
BlackRock, Inc.	$479.6M	4,498,256
DIMENSIONAL FUND ADVISORS LP	$230.6M	2,163,143
VANGUARD PORTFOLIO MANAGEMENT LLC	$189.9M	1,781,446
Rubric Capital Management LP	$164.3M	1,541,440
VANGUARD CAPITAL MANAGEMENT LLC	$131.4M	1,232,655
STATE STREET CORP	$123.7M	1,159,962
GEODE CAPITAL MANAGEMENT, LLC	$102.5M	961,217
AMERICAN CENTURY COMPANIES INC	$102.4M	960,484
RENAISSANCE TECHNOLOGIES LLC	$83.3M	781,682
Invesco Ltd.	$68.9M	646,237

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Is MCY a good stock to buy?

13F Pro's AI-powered analysis of MERCURY GENERAL CORP (MCY) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for MCY are available on the MCY stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. MCY is classified as a mid company.

Which hedge funds own MCY?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling MCY. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of MERCURY GENERAL CORP's investment landscape.