MERCURY GENERAL CORPORATION TO REPORT FOURTH QUARTER RESULTS ON FEBRUARY 17, 2026

Rhea-AI Summary

Mercury General Corporation (NYSE: MCY) will release its fourth quarter 2025 earnings press release after market close on February 17, 2026 and will file its annual report on Form 10-K with the SEC. The earnings release is to be read together with the Form 10-K. The company noted that forward-looking statements are subject to risks including pricing accuracy, loss reserve variability, catastrophes, economic conditions, regulatory approvals of premium rate changes, competition, litigation, cybersecurity, and climate or public-health events. The company does not undertake an obligation to update forward-looking statements.

News Market Reaction

+0.75%

1 alert

+0.75% News Effect

On the day this news was published, MCY gained 0.75%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Earnings release date: February 17, 2026 Quarter reported: Q4 2025 Form 10-K filing: Annual report on Form 10-K +1 more

4 metrics

Earnings release date February 17, 2026 Scheduled Q4 2025 earnings press release after market close

Quarter reported Q4 2025 Results to be detailed in upcoming earnings press release

Form 10-K filing Annual report on Form 10-K To be filed with the SEC alongside Q4 2025 results

Safe harbor year 1995 Private Securities Litigation Reform Act safe harbor reference

Market Reality Check

Price: $94.76 Vol: Volume 135,559 is at 0.62...

low vol

$94.76 Last Close

Volume Volume 135,559 is at 0.62x the 20-day average of 220,005, indicating subdued trading ahead of the earnings date update. low

Technical Shares at $89.69 are trading above the 200-day MA of $73.65 and about 7% below the 52-week high of $96.4999.

Peers on Argus

MCY declined 1.28% with several property & casualty peers also lower: SIGI -0.83...

MCY declined 1.28% with several property & casualty peers also lower: SIGI -0.83%, WTM -1.12%, HGTY -1.43%, LMND -1.93%, while KMPR was flat. This points to broader sector pressure rather than company-specific trading tied to the earnings-date notice.

Historical Context

5 past events · Latest: Jan 08 (Neutral)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 08	Consumer safety tips	Neutral	+1.7%	Guidance on preventing costly water damage claims at home.
Jan 06	Home security advice	Neutral	-2.5%	Encouraged simple home security resolutions after the holidays.
Dec 30	Risk awareness	Neutral	+0.0%	Highlighted hidden homeowner and driver risks in late December.
Dec 23	Holiday safety tips	Neutral	-0.4%	Shared home-safety measures for the holiday season.
Dec 22	Fire risk guidance	Neutral	+1.8%	Outlined steps to reduce decoration-related fire hazards.

Pattern Detected

Recent news has focused on consumer safety and risk-prevention education, with generally modest and mixed single-day price reactions around these low-stakes announcements.

Recent Company History

Over the last few weeks, MCY’s news flow has centered on homeowner and holiday safety guidance, including water damage prevention on Jan 8, 2026, home security habits on Jan 6, 2026, and seasonal risk reminders through late December 2025. Price reactions to these items ranged between roughly -3% and +2%, suggesting they served more as brand and risk-education updates than major financial catalysts. Today’s notice simply schedules the forthcoming Q4 2025 earnings release and 10-K filing for February 17, 2026.

Market Pulse Summary

This announcement schedules MCY’s Q4 2025 earnings release and annual report on Form 10-K for Februa...

Analysis

This announcement schedules MCY’s Q4 2025 earnings release and annual report on Form 10-K for February 17, 2026, providing a clear timing marker for upcoming fundamental data. Investors can contextualize those results against prior SEC filings, including the recent Q3 2025 10-Q. The extensive risk disclosures reiterate exposure to pricing adequacy, catastrophe events, regulatory changes, and macro conditions, highlighting key areas to monitor when the detailed figures are reported.

Key Terms

form 10-k, securities and exchange commission, forward-looking statements, investment portfolio, +4 more

8 terms

form 10-k regulatory

"and will also file its annual report on Form 10-K with the Securities"

A Form 10-K is a comprehensive report that publicly traded companies are required to file annually with regulators. It provides a detailed overview of a company's financial health, operations, and risks, similar to a detailed health report. Investors use this information to assess the company's performance and make informed decisions about buying or selling its stock.

securities and exchange commission regulatory

"annual report on Form 10-K with the Securities and Exchange Commission."

A national government agency that enforces rules for buying, selling and disclosing information about stocks and other investments, acting like a referee and scorekeeper for financial markets. It requires companies to share clear, regular financial and business information and investigates fraud or rule-breaking, which matters to investors because those rules and disclosures help ensure fair prices, reduce hidden risks and make it easier to compare investment choices.

forward-looking statements regulatory

"provides a "safe harbor" for certain forward-looking statements. Certain statements"

Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.

investment portfolio financial

"including general market risks associated with the Company's investment portfolio;"

An investment portfolio is a collection of financial assets—such as stocks, bonds, cash and other holdings—owned by an individual or organization to achieve specific financial goals. It matters because the mix and size of those holdings determine both potential returns and risk exposure: like a balanced meal affecting your health, a well-chosen portfolio aims to grow wealth while reducing the chance of severe loss, and choices about allocation, timing and costs shape long-term outcomes.

loss reserves financial

"experience may vary adversely from the actuarial estimates made to determine the Company's loss reserves"

Loss reserves are money a company sets aside to cover expected losses from loans, insurance claims, or other customer defaults. They matter to investors because they directly reduce reported profits and act like an emergency fund for future bad outcomes: too small a reserve can lead to surprise losses, while too large a reserve can mask better underlying performance. Investors watch changes in reserves to gauge risk, management judgment, and the company’s financial resilience.

subrogation financial

"including subrogation recovery estimates; the Company's ability to obtain and the timing"

Subrogation is the legal right that lets one party—typically an insurer or creditor—step into another party’s shoes to recover money from a third party who caused a loss. Think of it as paying a friend’s repair bill and then seeking reimbursement from the person who caused the damage. Investors care because subrogation can reduce net losses, affect future insurance costs, influence litigation risk, and change a company’s expected cash flows or liabilities.

pandemics medical

"effects of changing climate conditions; pandemics, epidemics, widespread health emergencies,"

Pandemics are widespread outbreaks of infectious disease that cross countries or continents and affect large numbers of people. They matter to investors because they can interrupt supply chains, reduce consumer demand, limit workforce availability and prompt large-scale government responses, all of which can change company revenues, costs and market sentiment — like a storm that hits entire regions instead of a single business.

cybersecurity technical

"and legal, cybersecurity, regulatory and litigation risks. The Company undertakes"

Cybersecurity involves protecting computers, networks, and digital information from theft, damage, or unauthorized access. It is essential for safeguarding sensitive data and maintaining trust in digital systems, which matters to investors because strong cybersecurity reduces the risk of costly breaches and disruptions that can impact a company’s performance and reputation. Think of it as locking and safeguarding valuable information much like securing a safe to prevent theft.

AI-generated analysis. Not financial advice.

LOS ANGELES, Jan. 12, 2026 /PRNewswire/ -- Mercury General Corporation (NYSE: MCY) reported today that after the markets close on Tuesday, February 17, 2026, the Company will issue an earnings press release reporting its results for the fourth quarter of 2025, and will also file its annual report on Form 10-K with the Securities and Exchange Commission. The earnings press release should be read in conjunction with the Company's annual report on Form 10-K.

Mercury General Corporation and its subsidiaries are a multiple line insurance organization offering predominantly personal automobile and homeowners insurance through a network of independent producers and direct-to-consumer sales in many states. For more information, visit the Company's website at http://www.mercuryinsurance.com.

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The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" for certain forward-looking statements. Certain statements contained in this press release are forward-looking statements based on the Company's current expectations and beliefs concerning future developments and their potential effects on the Company. There can be no assurance that future developments affecting the Company will be those anticipated by the Company. Actual results may differ from those projected in the forward-looking statements. These forward-looking statements involve significant risks and uncertainties (some of which are beyond the control of the Company) and are subject to change based upon various factors, including but not limited to the following risks and uncertainties: changes in the demand for the Company's insurance products, inflation and general economic conditions, including general market risks associated with the Company's investment portfolio; the accuracy and adequacy of the Company's pricing methodologies; catastrophes in the markets served by the Company; uncertainties related to estimates, assumptions and projections generally; the possibility that actual loss experience may vary adversely from the actuarial estimates made to determine the Company's loss reserves in general, including subrogation recovery estimates; the Company's ability to obtain and the timing of the approval of premium rate changes for insurance policies issued in the states where it operates; legislation adverse to the automobile or homeowners insurance industry or business generally that may be enacted in the states where the Company operates; the Company's success in managing its business in non-California states; the presence of competitors with greater financial resources and the impact of competitive pricing and marketing efforts; the Company's ability to successfully allocate the resources used in the states with reduced or exited operations to its operations in other states; changes in driving patterns and loss trends; acts of war and terrorist activities; effects of changing climate conditions; pandemics, epidemics, widespread health emergencies, or outbreaks of infectious diseases; court decisions and trends in litigation and health care and auto repair costs; heightened global trade barriers or restrictions; and legal, cybersecurity, regulatory and litigation risks. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as the result of new information, future events or otherwise. For a more detailed discussion of some of the foregoing risks and uncertainties, see the Company's filings with the Securities and Exchange Commission.

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SOURCE Mercury General Corporation

FAQ

When will Mercury General (MCY) report fourth quarter 2025 results?

Mercury General will issue its fourth quarter 2025 earnings press release after market close on February 17, 2026.

Will Mercury General (MCY) file its annual Form 10-K with the earnings release?

Yes. The company will file its annual report on Form 10-K with the SEC in connection with the earnings release.

How should investors read Mercury General's (MCY) earnings release on February 17, 2026?

The earnings press release should be read in conjunction with the company's Form 10-K for complete financial and risk disclosures.

What key risks did Mercury General (MCY) highlight in the announcement?

The company cited risks including pricing accuracy, loss reserve variability, catastrophes, regulatory rate approvals, competition, litigation, cybersecurity, and public-health or climate events.

Will Mercury General (MCY) update forward-looking statements after the release?

The company stated it undertakes no obligation to publicly update or revise forward-looking statements, whether due to new information or future events.