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Dec 31, 2022

Mercury General Q4 2022 Earnings Report

Mercury General experienced a net loss and a significant increase in the combined ratio during Q4 2022.

Key Takeaways

Mercury General Corporation reported a net loss of $6.77 million for Q4 2022, a significant decrease compared to the net income of $30.473 million in Q4 2021. The combined ratio increased to 115.8% from 105.4% in the prior year. Net premiums earned increased by 4.9% to $1,005.482 million, while net investment income rose to $49.887 million.

Net loss of $6.77 million, compared to a net income of $30.473 million in the same quarter of the previous year.

Operating loss was $80.365 million, a steep decline from the $12.744 million loss in Q4 2021.

Combined ratio significantly increased to 115.8% from 105.4% year-over-year.

Catastrophe losses net of reinsurance increased to $40 million from $19 million in Q4 2021.

Total Revenue
$1.15B
Previous year: $995M
+15.8%
EPS
-$1.45
Previous year: -$0.23
+530.4%
Combined Ratio
115.8%
Previous year: 105.4%
+9.9%
Catastrophe Losses Net
$40M
Previous year: $19M
+110.5%
Net Investment Income
$49.9M
Previous year: $34.2M
+46.0%
Gross Profit
$872M
Previous year: $3.71B
-76.5%
Cash and Equivalents
$290M
Previous year: $336M
-13.6%
Total Assets
$6.51B
Previous year: $6.77B
-3.8%

Mercury General

Mercury General

Mercury General Revenue by Segment

Revenue & Expenses

Visualization of income flow from segment revenue to net income