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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Greg Peters | Raymond James | 3 | 0% |
| Guy Baron | Spring View | 3 | 0% |
| Kahlil Abumani | Coronade Capital | 3 | 0% |
| Prem Nainani | Plomado Advisors | 2 | 50% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Coronade Capital | 1 | 3 | 0% |
| Raymond James | 1 | 3 | 0% |
| Spring View | 1 | 3 | 0% |
| Plomado Advisors |
| 1 |
| 2 |
| 50% |
Mercury General's Q1 2026 demonstrated the underlying strength of the franchise with a combined ratio of 89.3% and net income of $190 million ($3.44 per share), a dramatic reversal from the prior-year Q1 net loss of $108 million during the wildfire catastrophe. NPE accelerated to 13.2% growth and NWP surged 16.6%, reflecting strong rate adequacy and policy count expansion to 2,308 thousand total PIF. Wildfire reserves continued to develop with an additional $43 million recognized, pushing cumulative net wildfire losses to $424 million, while investment income grew modestly as lower reinvestment yields partially offset a larger portfolio base.
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
MCY Mercury General Corporation | 8 | +10.5% | |
| ALL Allstate | 7 | +4.2% | |
| CB Chubb Limited | 7 | +9.5% | |
| CINF Cincinnati Financial | 7 | +11.6% | |
| ERIE Erie Indemnity | 6 | +2.3% | |
| KMPR Kemper Corporation | 2 | -6.8% | |
| L Loews Corporation | 5 | +2.6% | |
| LMND Lemonade, Inc. | 9 | +55.0% | |
| PGR Progressive Corporation | 7 | +8.7% | |
| ROOT Root, Inc. | 8 | +12.6% | |
| TRV The Travelers Companies, Inc. | 5 | +1.0% | |
| WRB W. R. Berkley Corporation | 6 | +4.0% |