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Mercury General cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$373M in Q3 2026 · $1.2B over twelve months

Operating cash flow$387M
Capital spending−$14.8M
Free cash flow+$373M

Analysis

In Q3 2026, Mercury General generated $387M of operating cash flow and spent $14.8M on capital projects, leaving free cash flow of $373M. That is $107M less than in Q3 2025 ($480M).

Over the twelve months to Sep 30, 2026, operating cash flow was $1.2B; the largest uses were other investing ($1.1B), other financing ($76.7M), net borrowing (+) / repaid (−) ($828K); the cash balance rose by $52.6M.

Operating cash flow was $387M against net income of −$13.7M. The largest differences: payables +$52.9M, depreciation & amortization +$21.0M, other liabilities +$3.3M.

Free cash flow

Mercury General: free cash flow by quarterMercury General: free cash flow by quarter$236MQ4 2024−$81.9MQ1 2025$357MQ2 2025$480MQ3 2025$274MQ4 2025$309MQ1 2026$218MQ2 2026$373MQ3 2026
Operating cash flow less capital spending.
Mercury General: operating cash flow against capital spendingMercury General: operating cash flow against capital spendingOperating cash flowCapital spending$248M$12.3MQ4 2024−$68.7M$13.1MQ1 2025$372M$14.4MQ2 2025$496M$16.9MQ3 2025$288M$14.0MQ4 2025$326M$16.8MQ1 2026$218M$0Q2 2026$387M$14.8MQ3 2026
Latest (Q3 2026): Operating cash flow $387M, Capital spending $14.8M.

Capital allocation, year by year

Mercury General: where the cash came from (up) and went (down), by fiscal yearMercury General: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingDividendsFY2021: Operating cash flow $502MFY2021: Net borrowing −$825KFY2021: Shares issued $215KFY2021: Asset sales $27KFY2021: Capital spending −$41.4MFY2021: Dividends −$140M$502MFY2021FY2022: Operating cash flow $353MFY2022: Net borrowing −$1.5MFY2022: Asset sales $3KFY2022: Capital spending −$35.5MFY2022: Dividends −$105M$353MFY2022FY2023: Operating cash flow $453MFY2023: Net borrowing −$1.1MFY2023: Asset sales $29.9MFY2023: Capital spending −$36.8MFY2023: Dividends −$70.3M$483MFY2023FY2024: Operating cash flow $1.0BFY2024: Net borrowing −$1.5MFY2024: Shares issued $752KFY2024: Asset sales $12.7MFY2024: Capital spending −$46.1MFY2024: Dividends −$70.3M$1.1BFY2024FY2025: Operating cash flow $1.1BFY2025: Net borrowing −$1.4MFY2025: Asset sales $34.2MFY2025: Capital spending −$58.4MFY2025: Dividends −$70.3M$1.1BFY2025
Over these 5 years operating cash flow totalled $3.4B; the largest uses were dividends ($457M) and capital spending ($218M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$1.3B
Debt$569M
Net cash$736M

Mercury General funds itself: free cash flow was $1.2B over the last twelve months, and $1.3B of cash and investments stands against $569M of debt.

Where the cash came from and went

Mercury General: sources (+) and uses (−) of cash, Q3 2026Mercury General: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$396MOperating cash flow$387MOther financing−$375MOther investing−$375MDividends−$17.6MCapital spending−$14.8MNet borrowing (+) / repaid (−)−$541K
Mercury General: sources (+) and uses (−) of cash, TTM to Q3 2026Mercury General: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$1.2BOther investing−$1.1BOther financing−$76.7MCash drawn (+) / kept (−)−$52.6MNet borrowing (+) / repaid (−)−$828K

From profit to cash

Mercury General: net income to operating cash flow, Q3 2026Mercury General: net income to operating cash flow, Q3 2026Net income−$13.7MDepreciation & amortization$21.0MPayables$52.9MOther liabilities$3.3MOperating cash flow$387M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$387M−$14.8M−$17.6M−$541K$396M$373M
Q2 2026$218M—−$17.6M−$376K−$350M$218M
Q1 2026$326M−$16.8M−$17.6M−$398K−$35.3M$309M
Q4 2025$288M−$14.0M—−$58K−$63.0M$274M
Q3 2025$496M−$16.9M−$17.6M$9K−$130M$480M
Q2 2025$372M−$14.4M−$17.6M−$569K$163M$357M
Q1 2025−$68.7M−$13.1M−$17.6M−$754K−$565M−$81.9M
Q4 2024$248M−$12.3M—−$121K−$104M$236M

Mercury General: income statement and cash flow

Mercury General, Q3 2026: revenue $1.4B (-13% year over year), operating margin -1.7%. The chart follows the revenue to costs, profit and cash.

Mercury General: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.