Mercury General Corporation - Asset Resilience Ratio
Mercury General Corporation (MCY) has an Asset Resilience Ratio of 5.05% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read MCY current and long-term liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1995–2024)
This chart shows how Mercury General Corporation's Asset Resilience Ratio has changed over time. See MCY total equity for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Mercury General Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see market cap of Mercury General Corporation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $472.90 Million | 5.05% |
| Total Liquid Assets | $472.90 Million | 5.05% |
Asset Resilience Insights
- Limited Liquidity: Mercury General Corporation maintains only 5.05% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Mercury General Corporation Industry Peers by Asset Resilience Ratio
Compare Mercury General Corporation's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
QBE Insurance Group Ltd
AU:QBE |
Insurance - Property & Casualty | 3.80% |
|
Suncorp Group Ltd
AU:SUNPH |
Insurance - Property & Casualty | 69.36% |
|
Suncorp Group Ltd
AU:SUN |
Insurance - Property & Casualty | 3.36% |
|
Insurance Australia Group Ltd
AU:IAG |
Insurance - Property & Casualty | 2.07% |
|
Intact Financial Corporation
TO:IFC |
Insurance - Property & Casualty | 29.18% |
|
Fairfax Financial Holdings Ltd
TO:FFH |
Insurance - Property & Casualty | 0.02% |
|
Definity Financial Corp
TO:DFY |
Insurance - Property & Casualty | 2.29% |
|
People's Insurance of China Ltd
SHG:601319 |
Insurance - Property & Casualty | 38.01% |
Annual Asset Resilience Ratio for Mercury General Corporation (1995–2024)
The table below shows the annual Asset Resilience Ratio data for Mercury General Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 3.42% | $283.82 Million | $8.31 Billion | +0.90pp |
| 2023-12-31 | 2.51% | $178.49 Million | $7.10 Billion | +0.63pp |
| 2022-12-31 | 1.89% | $122.94 Million | $6.51 Billion | -0.18pp |
| 2021-12-31 | 2.07% | $140.13 Million | $6.77 Billion | -3.87pp |
| 2020-12-31 | 5.94% | $375.61 Million | $6.33 Billion | -2.46pp |
| 2019-12-31 | 8.39% | $494.13 Million | $5.89 Billion | +3.73pp |
| 2018-12-31 | 4.66% | $253.30 Million | $5.43 Billion | -1.27pp |
| 2017-12-31 | 5.93% | $302.71 Million | $5.10 Billion | -1.91pp |
| 2016-12-31 | 7.85% | $375.68 Million | $4.79 Billion | +3.84pp |
| 2015-12-31 | 4.00% | $185.28 Million | $4.63 Billion | -4.10pp |
| 2014-12-31 | 8.10% | $372.54 Million | $4.60 Billion | +0.78pp |
| 2013-12-31 | 7.32% | $315.78 Million | $4.32 Billion | +0.28pp |
| 2012-12-31 | 7.03% | $294.65 Million | $4.19 Billion | +1.22pp |
| 2011-12-31 | 5.81% | $236.44 Million | $4.07 Billion | +2.40pp |
| 2010-12-31 | 3.41% | $143.37 Million | $4.20 Billion | -0.28pp |
| 2009-12-31 | 3.69% | $156.16 Million | $4.23 Billion | -1.49pp |
| 2008-12-31 | 5.18% | $204.76 Million | $3.95 Billion | -0.99pp |
| 2007-12-31 | 6.18% | $272.68 Million | $4.41 Billion | -0.39pp |
| 2006-12-31 | 6.56% | $282.30 Million | $4.30 Billion | -1.38pp |
| 2005-12-31 | 7.94% | $321.05 Million | $4.04 Billion | -3.73pp |
| 2004-12-31 | 11.67% | $421.37 Million | $3.61 Billion | +1.10pp |
| 2003-12-31 | 10.57% | $329.81 Million | $3.12 Billion | -0.27pp |
| 2002-12-31 | 10.84% | $286.81 Million | $2.65 Billion | +7.74pp |
| 2001-12-31 | 3.11% | $71.95 Million | $2.32 Billion | +1.57pp |
| 2000-12-31 | 1.54% | $32.98 Million | $2.14 Billion | -0.75pp |
| 1999-12-31 | 2.29% | $43.57 Million | $1.91 Billion | -0.16pp |
| 1998-12-31 | 2.45% | $45.99 Million | $1.88 Billion | -1.01pp |
| 1997-12-31 | 3.46% | $59.74 Million | $1.73 Billion | -1.19pp |
| 1996-12-31 | 4.65% | $66.07 Million | $1.42 Billion | +2.02pp |
| 1995-12-31 | 2.63% | $28.50 Million | $1.08 Billion | -- |
About Mercury General Corporation
Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. The company also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance products. Its automobile insurance products include collision, property damage, bodily injury, comprehensive, personal injury protection, und… Read more