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Mercury General (MCY) investor relations material
Mercury General Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net income for Q2 2025 was $166.5 million, up 166% year-over-year, driven by higher premiums, investment income, and effective catastrophe loss mitigation through subrogation and reinsurance.
Operating income increased 145% year-over-year to $147.9 million, or $2.67 per diluted share.
Net premiums earned increased 10.6% year-over-year, primarily due to rate increases in California and higher policy volumes.
The company maintained strong liquidity and capital positions, with positive cash flow from operations and compliance with all debt covenants.
Quarterly dividend of $0.3175 per share declared, payable September 25, 2025.
Financial highlights
Q2 2025 net income: $166.5M (Q2 2024: $62.6M); EPS: $3.01 (Q2 2024: $1.13).
Net premiums earned Q2 2025: $1.37B, up 10.6% year-over-year; net premiums written rose 9.2% to $1.48B.
Net investment income Q2 2025: $78.8M, up from $69.0M; net realized investment gains after tax: $18.5M.
Combined ratio Q2 2025: 92.5% (Q2 2024: 98.9%).
Book value per share at June 30, 2025 was $35.56, up from $35.14 at year-end 2024.
Outlook and guidance
Management expects continued premium growth from rate increases and policy volume, especially in California.
Implementation of new catastrophe modeling and reinsurance cost rules in California may impact future rate filings and profitability.
Management highlights ongoing risks from catastrophe exposure, regulatory changes, and competitive pressures.
Cautions that actual results may differ due to uncertainties in loss estimates, rate approvals, and market conditions.
The company is monitoring the impact of the One Big Beautiful Bill Act and does not expect material tax effects.
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Next Mercury General earnings date
Q3 20254 Nov, 2025
Next Mercury General earnings date
Q3 20254 Nov, 2025
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Frequently asked questions
Mercury General Corporation is an insurance company that primarily provides personal automobile insurance, along with homeowners, renters, and business insurance. The company's core business focuses on offering auto insurance policies that cover liability, collision, and comprehensive protection for individual drivers. In addition to personal lines, Mercury General offers commercial insurance products for small to mid-sized businesses, including coverage for vehicles, property, and general liability. The company operates through a network of independent agents and brokers, serving customers across several U.S. states. The company is headquartered in Los Angeles, California, and its shares are listed on the NYSE.
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