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Mercury General Corporation MCY R2K

Financial Services · Insurance - Property & Casualty · United States
https://www.mercuryinsurance.com
Company Profile ↓
$107.78
+60.13% 1Y
Mkt Cap$5.97B
P/E7.10
P/B2.16
Div. Yield1.26%
52W High$111.12
52W Low$65.43
Book Value$46.76
EPS (TTM)$15.17

Company Overview

Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. It also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance products. The company's automobile insurance products include collision, property damage, bodily injury, comprehensive, personal injury protection, underinsured and uninsured motorist, and other hazards; and homeowners insurance products comprise dwelling, liability, personal property, and other coverages. It sells its policies through a network of independent agents and insurance agencies, as well as directly through internet sales portals in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. Mercury General Corporation was incorporated in 1961 and is headquartered in Los Angeles, California.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 38.1%, reflecting efficient use of shareholder capital.

Reasonable Valuation

Trades at a P/E of 7.1, below the sector median of 13.3.

Healthy Margins

Operating margin of 15.7% supports profitability.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.23.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $5.99B (+9.4% YoY); net profit $541.09M.
  • Trailing 12 Months Year-on-year growth — revenue +10.5%, earnings +15.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 5.5%, profit CAGR 7.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:5.49%
1 Year:10.50%

Compounded Profit Growth

5 Years:7.63%
1 Year:15.63%

Stock Price Performance

1 Year:+60.13%
6 Months:+20.98%
3 Months:+15.28%
1 Month:+8.71%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 93% of range
$65.43 $111.12
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)55.75 · Neutral
Price Performance
1M+8.71%
3M+15.28%
6M+20.98%
1Y+60.13%
Valuation vs Sector

P/E of 7.10 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 38.1%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
7.10
Industry PE
13.30
Forward P/E
8.98
PEG Ratio
1.11
Book Value
$46.76
Price to Book
2.16
P/S
0.91
EV/EBITDA
3.83
Dividend Yield
1.26%

Growth (CAGR)

Revenue 5Y
5.49%
Profit 5Y
7.63%
Revenue (YoY)
10.50%
Earnings (YoY)
15.63%

Profitability & Returns

ROCE
-
ROE
38.08%
ROA
7.06%
Profit Margin
13.69%
Op Margin
15.75%
Gross Margin
25.23%
EPS (Latest Qtr)
$3.44
EPS (TTM)
$15.17

Balance Sheet & Liquidity

Debt/Equity
0.23
Quick Ratio
0.84
Current Ratio
0.88
Debt
$587.28M
Total Assets
$9.87B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
52.03%
Chg in Prom Hold
-
FII / Inst Holding
48.00%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$5.97B
Total Revenue (TTM)
$6.14B
EBITDA
$1.14B
Free Cash Flow
$1.57B
Operating Cash Flow
$1.48B
Shares Outstanding
55.39M
Gross Margin
25.23%
Payout Ratio
8.37%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 MCY Mercury General Corporation R2K 107.78 7.10 $5.97B 1.26% - 38.08% 5.49% 7.63%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue 744.55M726.17M752.41M-823.92M858.00M808.16M-847.50M852.85M858.36M-783.18M885.39M894.81M-1.02B979.49M987.29M-708.31M1.01B998.77M-993.10M1.02B932.21M805.46M785.62M900.29M1.11B1.08B1.07B1.27B1.30B1.53B1.39B1.48B1.58B1.54B
Net Income 26.16M9.64M15.27M23.41M23.32M48.87M26.93M-26.08M26.98M51.63M46.48M19.78M-42.61M60.18M58.58M-81.88M135.87M83.25M69.28M31.69M-139.20M228.21M118.86M166.74M107.00M109.18M1.29M-196.92M-210.68M-98.30M-45.29M-41.54M-8.23M73.46M62.57M230.86M-108.33M166.47M280.40M190.42M
Diluted EPS 0.470.170.280.420.420.880.49-0.470.490.930.840.36-0.771.091.06-1.482.451.501.250.57-2.514.122.153.011.931.970.02-3.56-3.80-1.78-0.82-0.75-0.151.331.134.17-1.963.015.063.44

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 2.41B3.12B2.78B2.78B2.78B2.82B3.01B3.01B3.23B3.42B3.38B3.97B3.78B3.99B3.64B4.63B5.48B5.99B
Net Income -242.12M403.07M152.20M191.16M116.91M112.14M177.95M74.48M73.04M144.88M-5.73M320.09M374.61M247.94M-512.67M96.34M467.95M541.09M
Diluted EPS -4.427.322.783.492.132.043.231.351.322.62-0.105.786.774.48-9.261.748.459.77

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -4.23B4.20B4.07B4.19B4.32B4.60B4.63B4.79B5.10B5.43B5.89B6.33B6.77B6.51B7.10B8.31B9.56B
Total Equity 1.49B1.77B1.79B1.86B1.84B1.82B1.88B1.82B1.75B1.76B1.62B1.80B2.03B2.14B1.52B1.55B1.95B2.42B
Long Term Debt ----120.00M120.00M---375.00M375.00M375.00M375.00M375.00M400.00M575.00M575.00M575.00M
Total Liabilities -2.46B2.41B2.21B2.35B2.49B2.72B2.81B3.04B3.34B3.82B4.09B4.30B4.63B4.99B5.56B6.36B7.14B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 64.60M189.03M91.78M158.53M148.06M209.80M246.53M190.27M291.68M341.40M383.43M519.68M605.62M501.58M352.59M453.00M1.04B1.09B
Investing Cash Flow 34.65M-31.70M33.10M124.61M-69.75M-18.35M-194.03M-81.68M-226.72M-185.60M-222.44M-401.20M-411.29M-373.67M-316.38M-295.45M-796.66M-420.16M
Financing Cash Flow -112.10M-7.22M-129.00M-253.13M-131.53M-83.13M-29.10M-134.28M-108.86M-84.71M-138.12M-138.37M-140.25M-140.84M-81.99M103.58M-71.11M-71.72M
Dividends Paid -127.62M129.86M132.14M134.10M134.78M135.50M136.39M137.20M137.89M138.48M139.07M139.64M140.23M105.48M70.32M--

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % -10.0%12.9%5.5%6.9%4.2%4.0%5.9%2.5%2.3%4.2%-0.2%8.1%9.9%6.2%-14.1%2.1%8.5%9.0%
ROE % -16.2%22.8%8.5%10.3%6.3%6.2%9.5%4.1%4.2%8.2%-0.4%17.8%18.4%11.6%-33.7%6.2%24.0%22.4%
ROCE % ------------------

Shareholding Pattern

Insiders
52.03%
Institutions
48.00%
Public Float
100.07%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.79% 4.32M $477.89M
2 Rubric Capital Management LP 3.89% 2.15M $238.49M
3 Dimensional Fund Advisors LP 3.88% 2.15M $237.96M
4 Vanguard Portfolio Management LLC 3.10% 1.72M $190.16M
5 Vanguard Capital Management LLC 2.21% 1.23M $135.76M
6 State Street Corporation 1.98% 1.10M $121.66M
7 Renaissance Technologies, LLC 1.49% 823.58K $91.17M
8 American Century Companies Inc 1.47% 813.32K $90.03M
9 Geode Capital Management, LLC 1.36% 754.13K $83.48M
10 DG Capital Management, LLC 1.07% 594.38K $65.79M

Analyst View

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Latest News

Recent headlines for MCY

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Is Mercury General (MCY) Stock Undervalued Right Now? - Yahoo Finance

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Mercury Insurance lists 10 steps to protect homes before vacation - Stock Titan

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MCY — Frequently Asked Questions

What is the current share price of Mercury General Corporation (MCY)?

As of 2026-07-14 21:23 PDT, Mercury General Corporation (MCY) trades at $107.78 on NYSE. Its 52-week range is $65.43 to $111.12.

What is the market capitalisation of MCY?

Mercury General Corporation (MCY) has a market capitalisation of $5.97B on NYSE.

What is the P/E ratio of MCY?

MCY trades at a trailing price-to-earnings (P/E) ratio of 7.10. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 2.16.

Does MCY pay a dividend?

Mercury General Corporation (MCY) currently offers a dividend yield of 1.26%.

What is the return on equity (ROE) of MCY?

MCY has a return on equity (ROE) of 38.08%.

Is MCY a good stock to buy?

This page provides a data-driven analysis of Mercury General Corporation (MCY), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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