MCY
MERCURY GENERAL CORP
Overview
Mercury General Corporation provides personal automobile insurance through 12 subsidiaries in 11 states, primarily California, along with homeowners, commercial automobile, and other property insurance products.
MERCURY GENERAL CORP is a Financial Services company operating in Insurance - Property & Casualty with a $5.69B market cap.
Most recent reported earnings: Q2 FY2026 (Aug 3, 2026).
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
Earnings history
- Q2 FY20262026-08-03EPS— vs $1.80—Rev— vs ——EODHD
- Q1 FY20262026-05-04EPS$3.50 vs $2.15+62.8%Rev$1.54B vs ——EODHD
- Q4 FY20252026-02-16EPS$3.66 vs $2.56+43.0%Rev$1.54B vs ——EODHD
- Q3 FY20252025-11-03EPS$3.86 vs $2.15+79.5%Rev$1.58B vs ——EODHD
- Q2 FY20252025-07-28EPS$2.67 vs $1.30+100.0%Rev$1.48B vs ——EODHD
- Q1 FY20252025-05-05EPS$-2.29 vs $-4.00+42.8%Rev$1.39B vs ——EODHD
- Q4 FY20242025-02-10EPS$2.78 vs $0.64+100.0%Rev$1.37B vs ——EODHD
- Q3 FY20242024-10-28EPS$2.54 vs $1.15+100.0%Rev$1.53B vs ——EODHD
- Q2 FY20242024-07-29EPS$1.09 vs $0.80+36.3%Rev$1.30B vs ——EODHD
- Q1 FY20242024-04-29EPS$0.78 vs $0.15+100.0%Rev$1.27B vs ——EODHD
- Q4 FY20232024-02-12EPS$1.15 vs $0.05+100.0%Rev$1.37B vs ——EODHD
- Q3 FY20232023-10-30EPS$1.14 vs $-0.01+100.0%Rev$1.07B vs ——EODHD
- Q2 FY20232023-07-31EPS$-0.51 vs $-0.48-6.3%Rev$1.08B vs ——EODHD
- Q1 FY20232023-05-01EPS$-1.52 vs $-1.15-32.2%Rev$1.11B vs ——EODHD
- Q4 FY20222023-02-13EPS$-1.45 vs $-0.61-100.0%Rev$1.15B vs ——EODHD
- Q3 FY20222022-10-31EPS$0.28 vs $-0.55+100.0%Rev$900.3M vs ——EODHD
- Q2 FY20222022-08-01EPS$-0.35 vs $-0.33-6.1%Rev$785.6M vs ——EODHD
- Q1 FY20222022-05-02EPS$-0.77 vs $0.65-100.0%Rev$805.5M vs ——EODHD
- Q4 FY20212022-02-14EPS$-0.23 vs $0.39-100.0%Rev$1.05B vs ——EODHD
- Q3 FY20212021-11-01EPS$0.64 vs $0.80-20.0%Rev$932.2M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-08-03 | — | $1.80 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-05-04 | $3.50 | $2.15 | +62.8% | $1.54B | — | — | EODHD |
| Q4 FY2025 | 2026-02-16 | $3.66 | $2.56 | +43.0% | $1.54B | — | — | EODHD |
| Q3 FY2025 | 2025-11-03 | $3.86 | $2.15 | +79.5% | $1.58B | — | — | EODHD |
| Q2 FY2025 | 2025-07-28 | $2.67 | $1.30 | +100.0% | $1.48B | — | — | EODHD |
| Q1 FY2025 | 2025-05-05 | $-2.29 | $-4.00 | +42.8% | $1.39B | — | — | EODHD |
| Q4 FY2024 | 2025-02-10 | $2.78 | $0.64 | +100.0% | $1.37B | — | — | EODHD |
| Q3 FY2024 | 2024-10-28 | $2.54 | $1.15 | +100.0% | $1.53B | — | — | EODHD |
| Q2 FY2024 | 2024-07-29 | $1.09 | $0.80 | +36.3% | $1.30B | — | — | EODHD |
| Q1 FY2024 | 2024-04-29 | $0.78 | $0.15 | +100.0% | $1.27B | — | — | EODHD |
| Q4 FY2023 | 2024-02-12 | $1.15 | $0.05 | +100.0% | $1.37B | — | — | EODHD |
| Q3 FY2023 | 2023-10-30 | $1.14 | $-0.01 | +100.0% | $1.07B | — | — | EODHD |
| Q2 FY2023 | 2023-07-31 | $-0.51 | $-0.48 | -6.3% | $1.08B | — | — | EODHD |
| Q1 FY2023 | 2023-05-01 | $-1.52 | $-1.15 | -32.2% | $1.11B | — | — | EODHD |
| Q4 FY2022 | 2023-02-13 | $-1.45 | $-0.61 | -100.0% | $1.15B | — | — | EODHD |
| Q3 FY2022 | 2022-10-31 | $0.28 | $-0.55 | +100.0% | $900.3M | — | — | EODHD |
| Q2 FY2022 | 2022-08-01 | $-0.35 | $-0.33 | -6.1% | $785.6M | — | — | EODHD |
| Q1 FY2022 | 2022-05-02 | $-0.77 | $0.65 | -100.0% | $805.5M | — | — | EODHD |
| Q4 FY2021 | 2022-02-14 | $-0.23 | $0.39 | -100.0% | $1.05B | — | — | EODHD |
| Q3 FY2021 | 2021-11-01 | $0.64 | $0.80 | -20.0% | $932.2M | — | — | EODHD |
Source: EODHD. MCY reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks MCY's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Misses consensus 10/10 quarters
SampleRepeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 4 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2024 | $0.59 | $0.81 | -27.4% | -2.1% | +0.7% |
| Q4 FY2024 | $0.66 | $0.90 | -27.0% | +8.5% | +10.3% |
| Q3 FY2024 | $0.71 | $0.84 | -15.7% | +3.2% | +2.6% |
| Q2 FY2024 | $0.64 | $0.79 | -18.5% | -1.0% | -2.3% |
| Q1 FY2023 | $0.82 | $1.02 | -19.7% | -0.3% | -1.0% |
| Q4 FY2023 | $0.79 | $1.01 | -21.6% | +5.2% | +5.2% |
| Q3 FY2023 | $0.73 | $0.97 | -24.5% | +0.3% | -2.6% |
| Q2 FY2023 | $0.73 | $1.01 | -27.5% | +6.6% | +8.2% |
| Q1 FY2022 | $0.86 | $0.99 | -13.2% | +1.1% | -1.5% |
| Q4 FY2022 | $0.83 | $1.07 | -22.2% | +3.3% | +2.0% |
Guidance change history
Sample- Q1 FY2024Lowered2024-04-15
- Q4 FY2024Lowered2024-13-15
- Q3 FY2024Lowered2024-10-15
- Q2 FY2024Lowered2024-07-15
- Q1 FY2023Lowered2023-04-15
- Q4 FY2023Lowered2023-13-15
- Q3 FY2023Lowered2023-10-15
- Q2 FY2023Lowered2023-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Gabriel TiradorCEO4 mo1 callCurrentSample
CEO since 2026 • 1/2 beats (50%) • last guidance raise Q3 FY2024
- Theodore R StalickCFO4 mono recorded callsCurrentSample
CFO since 2026 • 2/2 beats (100%) • guidance suspended Q2 FY2024
- Victor George JosephCOO1 yr 1 mono recorded callsCurrentSample
COO since 2025 • 1/2 beats (50%) • last call held guidance Q1 FY2024
- Barnaby Joel NardellaChief Claims Officer2 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last call held guidance Q1 FY2024
- Jeffrey Michael SchroederVP/Chief Product Officer4 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last guidance raise Q2 FY2024
- Erik Dahl ThompsonVP/Chief Marketing Officer4 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • guidance suspended Q3 FY2024
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for MCY.
$ curl https://api.spokenalpha.com/v1/companies/MCYFAQ
Frequently asked about MCY
Where can I find MERCURY GENERAL CORP's (MCY) earnings call transcripts?
Spoken Alpha indexes MCY's earnings call transcripts at https://spokenalpha.com/companies/MCY. Each call links to attributed speakers and parsed analyst Q&A.
When was MERCURY GENERAL CORP's most recent earnings call?
MERCURY GENERAL CORP (MCY) held its most recent earnings call on 2025-02-12, covering fiscal Q4 2024.
What sector is MCY in?
MERCURY GENERAL CORP (MCY) operates in the Financial Services sector (Insurance - Property & Casualty industry).