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Mercury General MCY Unearned premiums

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Other financials

Income statement

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Revenue$1.5B+10.5%
Net income$190.4M+276%
EPS (diluted)$3.44+276%

Balance sheet

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Cash & equivalents$1.4B+5.1%
Total debt$12.7M-29.2%
Total assets$9.9B+9.4%

Cash flow

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Operating cash flow$325.6M+574%
CapEx$16.8M+27.8%
Free cash flow$308.8M+477%

Valuation

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Market cap$5.69B+57.7%

Profitability

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Net margin13.7%+8.6pp
FCF margin23.1%+10.1pp

Where this comes from

Reported directly by Mercury General in its filing.

Tagged under the XBRL concept us-gaap:UnearnedPremiums.

The official record: Mercury General’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Mercury General's unearned premiums?
Mercury General (MCY) reported unearned premiums of $2.35B in Q1 2026.
How has Mercury General's unearned premiums changed year-over-year?
Mercury General's unearned premiums increased by 11.0% year-over-year, from $2.12B to $2.35B.
What is the long-term trend for Mercury General's unearned premiums?
Over 5 years (2020 to 2025), Mercury General's unearned premiums has grown at a 9.9% compound annual growth rate (CAGR), from $1.41B to $2.26B.
What does unearned premiums mean?
This represents the portion of written premiums that corresponds to the unexpired term of the insurance policies, which the company has collected but not yet earned. It acts as a deferred revenue liability that will be recognized as income over the remaining life of the policies. This metric provides insight into the company's future revenue pipeline and the scale of its active policy portfolio.