Mercury General (FRA:MCG) Retained Earnings: €2,154 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:MCG Mercury General Corp FRA:MCG
70 GF Score
Price €91.45
GF Value €82.46
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Mercury General Retained Earnings?

Mercury General FRA:MCG +3.10% 70 Retained Earnings is €2,154 Mil as of Mar. 2026. GuruFocus rates FRA:MCG with a GF Score™ of 70/100 and a GF Value™ of €82.46 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Mercury General's retained earnings for the quarter that ended in Mar. 2026 was €2,154 Mil.

Mercury General's quarterly retained earnings increased from Sep. 2025 (€1,817 Mil) to Dec. 2025 (€1,979 Mil) and increased from Dec. 2025 (€1,979 Mil) to Mar. 2026 (€2,154 Mil).

Mercury General's annual retained earnings increased from Dec. 2023 (€1,329 Mil) to Dec. 2024 (€1,764 Mil) and increased from Dec. 2024 (€1,764 Mil) to Dec. 2025 (€1,979 Mil).


Mercury General  (FRA:MCG) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Mercury General Retained Earnings Historical Data

* Premium members only.

The historical data trend for Mercury General's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Mercury General Retained Earnings Chart

Mercury General Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,806.58 1,343.49 1,328.92 1,763.72 1,979.21

Mercury General Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,591.84 1,621.12 1,816.99 1,979.21 2,154.21
FRA:MCG
70GF Score
Mercury General Corp FRA:MCG
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mercury General Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of €2,154 Mil mean?
Mercury General (FRA:MCG) has a Retained Earnings of €2,154 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Mercury General and its competitors.
Is Mercury General's Retained Earnings too high?
Mercury General's current Retained Earnings is €2,154 Mil. Overall, Mercury General has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mercury General's Retained Earnings compare to SIGI and RLI?
Mercury General's Retained Earnings of €2,154 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Mercury General and its competitors. Mercury General's current Retained Earnings is €2,154 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mercury General stock overvalued right now?
Based on GuruFocus' analysis, Mercury General (FRA:MCG) is currently considered Modestly Overvalued. The stock's GF Value™ is €82.46, compared to a current price of €91.45 — trading 10.9% above its estimated fair value. The current Retained Earnings is €2,154 Mil. Mercury General's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Mercury General (FRA:MCG), the current Retained Earnings is €2,154 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Mercury General (FRA:MCG) Overvalued in 2026?

Based on GuruFocus' analysis, Mercury General stock appears to be overvalued. The current stock price of €91.45 is trading 10.9% above its estimated GF Value™ of €82.46. GuruFocus considers Mercury General to be Modestly Overvalued.

Key valuation signals for FRA:MCG:

  • Retained Earnings: €2,154 Mil
  • GF Value™: €82.46 vs. price of €91.45 (10.9% above fair value)
  • GF Score™: 70/100 with 5 warning signs

No single metric tells the full story. See the FRA:MCG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Mercury General Business Description

Other Exchanges MCY:USAMCG:Germany
Address 4484 Wilshire Boulevard, Los Angeles, CA, USA, 90010
Mercury General Corp is an insurance holding company. It is engaged in writing personal automobile insurance and provides related property and casualty insurance products. The company offers the following types of automobile coverage: collision, property damage, bodily injury (BI), comprehensive, personal injury protection (PIP), underinsured and uninsured motorist, and other hazards. Additionally, it offers the following types of homeowners coverage: dwelling, liability, personal property, and other coverages. The company has one reportable business segment, the Property and Casualty business segment.
70GF Score

Get the complete analysis for FRA:MCG

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€91.45
Price
€82.46
GF Value