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Sep 30, 2024

Mercury General Q3 2024 Earnings Report

Mercury General reported strong Q3 2024 results, marked by significant increases in net premiums earned, net income, and operating income compared to the previous year. The combined ratio also improved, reflecting enhanced underwriting profitability.

Key Takeaways

Mercury General Corporation reported a strong third quarter for 2024. Net income increased significantly to $230.9 million, and operating income more than doubled. The combined ratio improved to 93.6%.

Net premiums earned increased by 21.1% to $1.32 billion.

Net income reached $230.9 million, a substantial improvement from a net loss in the same period last year.

Operating income rose by 123.4% to $140.4 million.

The combined ratio improved by 5 percentage points to 93.6%.

Total Revenue
$1.53B
Previous year: $1.07B
+43.7%
EPS
$2.54
Previous year: $1.14
+122.8%
Combined Ratio
93.6%
Previous year: 98.6%
-5.1%
Catastrophe Losses Net
$39M
Previous year: $33M
+18.2%
Net Investment Income
$72.7M
Previous year: $61M
+19.3%
Gross Profit
$1.44B
Previous year: $996M
+44.9%
Cash and Equivalents
$616M
Previous year: $454M
+35.8%
Free Cash Flow
$306M
Previous year: $114M
+167.7%
Total Assets
$8.12B
Previous year: $6.92B
+17.4%

Mercury General

Mercury General

Mercury General Revenue by Segment

Forward Guidance

Mercury General expects total catastrophe losses from Hurricane Milton will be $5 million or less, which will be recorded as losses for the fourth quarter of 2024.

Revenue & Expenses

Visualization of income flow from segment revenue to net income