{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "3c53d94c-612f-4919-970d-d50f99dc8c42",
    "symbol": "MCY",
    "name": "Mercury General Corporation",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Insurance - Property & Casualty",
    "chart_url": "https://sharemaestro.com/terminal/3c53d94c-612f-4919-970d-d50f99dc8c42/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "3c53d94c-612f-4919-970d-d50f99dc8c42",
      "symbol": "MCY",
      "name": "Mercury General Corporation",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Insurance - Property & Casualty",
      "chart_url": "https://sharemaestro.com/terminal/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "MCY",
    "market_cap": 5590374400.0,
    "market_cap_usd": 5620283981.69,
    "price": 100.93,
    "currency": "USD",
    "dividend_yield": 0.0128,
    "dividend_years": 38,
    "dividend_growth_5y": -0.12800505,
    "dividend_cut_5y": true,
    "payout_ratio": 0.0837,
    "net_income": 541094000.0,
    "free_cash_flow": 1028757000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.22674,
    "revenue_growth_5y": 0.09627419,
    "net_margin": 0.13688,
    "roe": 0.38082,
    "pe_ratio": 6.653263,
    "price_vs_ma": 0.09203784,
    "return_3y": 2.5248296,
    "return_5y": 0.86491287,
    "max_drawdown": -0.54955363,
    "scores": {
      "dividend_reliability": 13.0,
      "dividend_sustainability": 20.0,
      "business_quality": 21.5,
      "valuation": 11.0,
      "trend": 12.0,
      "total": 77.5,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/",
      "chart": "https://sharemaestro.com/terminal/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 13.0,
    "dividend_sustainability": 20.0,
    "business_quality": 21.5,
    "valuation": 11.0,
    "trend": 12.0,
    "total": 77.5,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2026-06-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2026-03-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2025-12-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2025-09-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2025-06-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2025-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2024-12-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2024-09-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2024-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2024-03-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2023-12-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2023-09-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "MCY dividend payment 0.318 USD",
      "detail": "Recorded dividend payment for Mercury General Corporation.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2022-09-14",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "Dividend decreased -49.9%",
      "detail": "Payment changed from 0.635 to 0.318.",
      "amount": 0.318,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2008-03-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "Dividend increased 11.5%",
      "detail": "Payment changed from 0.52 to 0.58.",
      "amount": 0.58,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2007-03-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "Dividend increased 8.3%",
      "detail": "Payment changed from 0.48 to 0.52.",
      "amount": 0.52,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2006-03-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "Dividend increased 11.6%",
      "detail": "Payment changed from 0.43 to 0.48.",
      "amount": 0.48,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2005-03-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "Dividend increased 16.2%",
      "detail": "Payment changed from 0.37 to 0.43.",
      "amount": 0.43,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    },
    {
      "event_date": "2004-03-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "MCY",
      "exchange": "NYSE",
      "headline": "Dividend increased 12.1%",
      "detail": "Payment changed from 0.33 to 0.37.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/3c53d94c-612f-4919-970d-d50f99dc8c42/"
    }
  ]
}