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Dec 31, 2019

Mercury General Q4 2019 Earnings Report

Reported an increase in net premiums earned but a higher combined ratio compared to the same period last year.

Key Takeaways

Mercury General Corporation reported a net income of $31.7 million for the fourth quarter of 2019, a significant improvement compared to the net loss of $81.9 million in the fourth quarter of 2018. The combined ratio was 103.2%, and catastrophe losses net of reinsurance totaled $36 million.

Net income was $31.7 million, compared to a net loss of $81.9 million in Q4 2018.

Operating income was $11.9 million, compared to an operating loss of $14.6 million in Q4 2018.

Net premiums earned increased to $925.4 million from $868.2 million in Q4 2018.

The combined ratio was 103.2%, compared to 106.7% in Q4 2018.

Total Revenue
$988M
Previous year: $817M
+21.0%
EPS
$0.21
Previous year: -$0.26
-180.8%
Combined Ratio
103.2%
Previous year: 106.7%
-3.3%
Catastrophe Losses Net
$36M
Previous year: $43M
-16.3%
Net Investment Income
$35.7M
Previous year: $31.4M
+13.8%
Gross Profit
$3.7B
Previous year: $3.14B
+18.1%
Cash and Equivalents
$294M
Previous year: $314M
-6.3%
Total Assets
$5.89B
Previous year: $5.43B
+8.4%

Mercury General

Mercury General

Mercury General Revenue by Segment

Forward Guidance

The Company provides forward-looking statements based on current expectations and beliefs, but actual results may differ due to various risks and uncertainties.

Revenue & Expenses

Visualization of income flow from segment revenue to net income