MCY - NYSE
Mercury General Corporation
$96.74
-0.48%Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. The company also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance products. Its automobile insurance products include collision, property damage, bodily injury, comprehensive, personal injury protection, underinsured and uninsured motorist, and other hazards; and homeowners insurance products comprise dwelling, liability, personal property, fire, and other hazards. The company sells its policies through a network of independent agents and insurance agencies, as well as directly through internet sales portals in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. Mercury General Corporation was founded in 1961 and is headquartered in Los Angeles, California.
At a Glance
Live SnapshotMercury General Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Mercury General Corporation Cash Flow Statement
MCY • NYSE
| Mercury General Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
541.1M | 468M | 96.3M | -512.7M | 247.9M | 374.6M | 320.1M | -5.7M | 144.9M | 73M | 74.5M | 177.9M | 112.1M | 116.9M | 191.2M | 152.2M | 403.1M | -242.1M | 237.8M | 214.8M | |
75M | 73.4M | 72.2M | 82.4M | 79.1M | 68.5M | 64.7M | 58.8M | 55.3M | 26.4M | 26.5M | 28.1M | 30.6M | 37M | 40.7M | 40.7M | 35.7M | 27M | 26.3M | 24.3M | |
0.0 | 0.0 | 0.0 | -15K | -111.7M | -85.7M | 0.0 | 133.5M | -86.7M | 60.2M | 105.1M | -62.4M | 23.7M | -59.7M | -53.8M | -56.2M | -339.8M | 562.7M | 0.0 | 0.0 | |
0.0 | 0.0 | 0.0 | 15K | 141K | 142K | 123K | 145K | 60K | 142K | 5.2M | 4.1M | 974K | -370K | 899K | 812K | 763K | 652K | 0.0 | 0.0 | |
-108.8M | -90.4M | -45.9M | 485.4M | 16.3M | 14.3M | -250M | 13.7M | 42.5M | -4.1M | -1.5M | -2M | -10.3M | -6.2M | -4.1M | 4.2M | -3.8M | -5.5M | -739K | -61.3M | |
(0.0) | (94.9M) | (0.0) | (26.5M) | (69.5M) | (52.7M) | (0.0) | (0.0) | (25.2M) | (0.0) | (31.4M) | (61.1M) | (16.5M) | (18.5M) | (8.5M) | (18.8M) | (17.6M) | (39.1M) | (0.0) | (0.0) | |
579.9M | 586.1M | 330.4M | 297.5M | 269.8M | 233.8M | 384.7M | 183M | 185.4M | 131.7M | -19.6M | 100.8M | 52.7M | 60.4M | -16.2M | -50M | 93.1M | -278.1M | -47.3M | 184.2M | |
1.1B | 1B | 453M | 352.6M | 501.6M | 605.6M | 519.7M | 383.4M | 341.4M | 287.5M | 190.2M | 246.5M | 209.8M | 148.1M | 158.5M | 91.8M | 189M | 64.6M | 216.1M | 361.9M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-58.4M | -46.1M | -36.8M | -35.5M | -41.4M | -40M | -40.1M | -28M | -19.4M | -17M | -20.1M | -26M | -18.7M | -15.2M | -18.1M | -28.9M | -36.3M | -48.5M | -42M | -40.6M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (6.2M) | (14K) | (7.8M) | (224K) | (820K) | (2M) | (3M) | (1.3M) | -115.5M | (1.5M) | (1.1M) | (529K) | |
(0.0) | (0.0) | -2.2B | -2.8B | -2.4B | -2.1B | -1.9B | -1.7B | -1.6B | -2B | -1.7B | -1.5B | -1.4B | -1B | -824.9M | -705.4M | -726.2M | -1.1B | -2.4B | -3.1B | |
0.0 | 0.0 | 1.9B | 2.5B | 2.1B | 1.7B | 1.5B | 1.5B | 1.4B | 1.8B | 1.6B | 1.3B | 1.4B | 948.9M | 961.7M | 759.2M | 842.1M | 1.1B | 2.3B | 2B | |
-361.7M | -750.5M | 3.8M | 27.9M | 17.4M | 20.6M | 3.7M | 10.1M | 1.9M | 3.6M | 2.6M | 3.5M | 1.7M | 2.3M | 2.9M | 6.9M | 4.3M | 4.3M | -1.7M | 934.7M | |
-420.2M | -796.7M | -295.4M | -316.4M | -373.7M | -411.3M | -401.2M | -222.4M | -185.6M | -226.7M | -81.7M | -194M | -18.4M | -69.7M | (124.6M) | (33.1M) | -31.7M | (34.7M) | -92.9M | -281.6M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
0.0 | 752K | 0.0 | 0.0 | 215K | 0.0 | 0.0 | 0.0 | 0.0 | -3.3M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2.2M | 1.9M | |
-1.4M | -1.5M | 173.9M | 23.5M | -825K | -609K | 0.0 | 0.0 | 51M | 30M | 0.0 | 100M | 50M | 0.0 | -123M | 0.0 | 120M | 13.5M | -11.3M | 0.0 | |
-70.3M | -70.3M | -70.3M | -105.5M | -140.2M | -139.6M | -139.1M | -138.5M | -137.9M | -137.2M | -136.4M | -135.5M | -134.8M | -134.1M | -132.1M | -129.9M | -127.6M | -127M | -113.8M | -105M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -3.3M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 701K | 358K | 2.2M | 5.8M | 2.1M | 6.4M | 1.6M | 2.6M | 2M | 865K | 398K | 1.4M | 273K | 505K | |
-71.7M | -71.1M | 103.6M | -82M | -140.8M | -140.2M | -138.4M | -138.1M | -84.7M | -104.7M | -134.2M | -29.1M | -83.1M | -131.5M | -253.1M | -129M | -7.2M | -112.1M | -122.6M | -102.5M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
595.3M | 169.4M | 261.1M | -45.8M | -12.9M | 54.1M | -19.9M | 22.9M | 71.1M | -43.9M | -25.7M | 23.4M | 108.3M | -53.2M | 30M | -4.1M | 150.1M | -12.8M | 639K | -22.2M | |
720.3M | 550.9M | 289.8M | 335.6M | 348.5M | 294.4M | 314.3M | 291.4M | 220.3M | 264.2M | 289.9M | 266.5M | 158.2M | 211.4M | 181.4M | 185.5M | 35.4M | 48.2M | 47.6M | 69.8M | |
1.3B | 720.3M | 550.9M | 289.8M | 335.6M | 348.5M | 294.4M | 314.3M | 291.4M | 220.3M | 264.2M | 289.9M | 266.5M | 158.2M | 211.4M | 181.4M | 185.5M | 35.4M | 48.2M | 47.6M | |
1B | 991M | 416.2M | 317.1M | 460.1M | 565.7M | 479.6M | 355.5M | 322M | 270.5M | 170.1M | 220.5M | 191.1M | 132.9M | 140.4M | 62.9M | 152.7M | 16.1M | 174.1M | 321.3M |
SEC Filings
MCY - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 14, 2026 | May 13, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 05, 2026 | May 05, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 05, 2026 | March 31, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 31, 2026 | May 13, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 17, 2026 | February 17, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 17, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 04, 2025 | November 04, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 04, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 29, 2025 | July 29, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | July 29, 2025 | June 30, 2025 | 2025 |
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