Mercury General Corporation MCY R2K
Financial Services · Insurance - Property & Casualty · United States
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.
READ MORE ›$98.03
+54.50% 1Y
Market & Price
Market Cap
$5.43B
Current Price
$98.03
High / Low (52W)
$102.93 / $62.11
Beta
0.94
Valuation
Stock P/E
6.46
Industry PE
12.01
Forward P/E
8.17
PEG Ratio
1.11
Book Value
$46.76
Price to Book
2.10
P/S
0.88
EV/EBITDA
3.69
Dividend Yield
1.30%
Profitability & Returns
ROCE
-
ROE
38.08%
ROA
7.06%
Profit Margin
13.69%
Op Margin
15.75%
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
$9.56B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
52.03%
Chg in Prom Hold
-
FII / Inst Holding
48.04%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$4.22B
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%
Growth (CAGR)
Revenue 5Y
18.04%
Profit 5Y
68.51%
Revenue (YoY)
10.50%
Earnings (YoY)
-
PROS
- Strong return on equity of 38.1%.
- Compounding revenue at 18.0% over 5 years.
- Profit CAGR of 68.5% over 5 years.
- 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.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | MCY Mercury General Corporation R2K | 98.03 | 6.46 | $5.43B | 1.30% | - | 38.08% | 18.04% | 68.51% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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Quarterly Results
Figures in USD.
| Metric | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 752.41M | - | 823.92M | 858.00M | 808.16M | - | 847.50M | 852.85M | 858.36M | - | 783.18M | 885.39M | 894.81M | - | 1.02B | 979.49M | 987.29M | - | 708.31M | 1.01B | 998.77M | - | 993.10M | 1.02B | 932.21M | 805.46M | 785.62M | 900.29M | 1.11B | 1.08B | 1.07B | 1.27B | 1.30B | 1.53B | - | 1.39B | 1.48B | 1.58B | 1.54B | 1.54B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -135.11M | 213.94M | 357.50M | 255.94M | 242.47M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.19M | 7.20M | 7.18M | 7.06M | 6.82M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -142.30M | 206.75M | 350.32M | 248.88M | 235.65M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -33.97M | 40.28M | 69.92M | 46.33M | 45.23M |
| Net Income | 15.27M | 23.41M | 23.32M | 48.87M | 26.93M | -26.08M | 26.98M | 51.63M | 46.48M | 19.78M | -42.61M | 60.18M | 58.58M | -81.88M | 135.87M | 83.25M | 69.28M | 31.69M | -139.20M | 228.21M | 118.86M | 166.74M | 107.00M | 109.18M | 1.29M | -196.92M | -210.68M | -98.30M | -45.29M | -41.54M | -8.23M | 73.46M | 62.57M | 230.86M | - | -108.33M | 166.47M | 280.40M | 202.55M | 190.42M |
| Diluted EPS | 0.28 | 0.42 | 0.42 | 0.88 | 0.49 | -0.47 | 0.49 | 0.93 | 0.84 | 0.36 | -0.77 | 1.09 | 1.06 | -1.48 | 2.45 | 1.50 | 1.25 | 0.57 | -2.51 | 4.12 | 2.15 | 3.01 | 1.93 | 1.97 | 0.02 | -3.56 | -3.80 | -1.78 | -0.82 | -0.75 | -0.15 | 1.33 | 1.13 | 4.17 | - | -1.96 | 3.01 | 5.06 | 3.66 | 3.44 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.41B | 3.12B | 2.78B | 2.78B | 2.78B | 2.82B | 3.01B | 3.01B | 3.23B | 3.42B | 3.38B | 3.97B | 3.78B | 3.99B | 3.64B | 4.63B | 5.48B | 5.99B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -653.48M | 123.60M | 605.70M | 692.27M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.23M | 24.17M | 30.82M | 28.62M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -670.72M | 99.43M | 574.88M | 663.65M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -158.04M | 3.09M | 106.93M | 122.56M |
| Net Income | -242.12M | 403.07M | 152.20M | 191.16M | 116.91M | 112.14M | 177.95M | 74.48M | 73.04M | 144.88M | -5.73M | 320.09M | 374.61M | 247.94M | -512.67M | 96.34M | 467.95M | 541.09M |
| Diluted EPS | -4.42 | 7.32 | 2.78 | 3.49 | 2.13 | 2.04 | 3.23 | 1.35 | 1.32 | 2.62 | -0.10 | 5.78 | 6.77 | 4.48 | -9.26 | 1.74 | 8.45 | 9.77 |
Compounded Sales Growth
| 5 Years: | 18.04% |
| 1 Year: | 10.50% |
Compounded Profit Growth
| 5 Years: | 68.51% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | +54.50% |
| 6 Months: | +6.08% |
| 3 Months: | +8.61% |
| 1 Month: | +2.49% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 4.23B | 4.20B | 4.07B | 4.19B | 4.32B | 4.60B | 4.63B | 4.79B | 5.10B | 5.43B | 5.89B | 6.33B | - | 6.51B | 7.10B | 8.31B | 9.56B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 289.78M | 550.90M | 720.26M | 1.32B |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 592.00M | 633.67M | 719.39M | 855.23M |
| Total Liabilities | - | 2.46B | 2.41B | 2.21B | 2.35B | 2.49B | 2.72B | 2.81B | 3.04B | 3.34B | 3.82B | 4.09B | 4.30B | - | 4.99B | 5.56B | 6.36B | 7.14B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | 120.00M | 120.00M | - | - | - | 375.00M | 375.00M | 375.00M | 375.00M | - | 398.33M | 573.73M | 574.13M | 574.53M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 420.25M | 587.96M | 587.71M | 586.86M |
| Total Equity | 1.49B | 1.77B | 1.79B | 1.86B | 1.84B | 1.82B | 1.88B | 1.82B | 1.75B | 1.76B | 1.62B | 1.80B | 2.03B | - | 1.52B | 1.55B | 1.95B | 2.42B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 55.37M | 55.37M | 55.39M | 55.39M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 64.60M | 189.03M | 91.78M | 158.53M | 148.06M | 209.80M | 246.53M | 190.27M | 291.68M | 341.40M | 383.43M | 519.68M | 605.62M | - | 352.59M | 453.00M | 1.04B | 1.09B |
| Investing Cash Flow | 34.65M | -31.70M | 33.10M | 124.61M | -69.75M | -18.35M | -194.03M | -81.68M | -226.72M | -185.60M | -222.44M | -401.20M | -411.29M | - | -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 | - | -81.99M | 103.58M | -71.11M | -71.72M |
| Capital Expenditure | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -35.51M | -36.81M | -46.14M | -58.43M |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 317.08M | 416.19M | 990.98M | 1.03B |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -45.78M | 261.13M | 169.35M | 595.32M |
| Dividends Paid | - | 127.62M | 129.86M | 132.14M | 134.10M | 134.78M | 135.50M | 136.39M | 137.20M | 137.89M | 138.48M | 139.07M | 139.64M | 140.23M | 105.48M | 70.32M | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -17.9% | 2.7% | 11.1% | 11.6% |
| 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% | - | -33.7% | 6.2% | 24.0% | 22.4% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
52.03%
Institutions
48.04%
Public Float
100.14%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.79% | 4.32M | $423.21M |
| 2 | Rubric Capital Management LP | 3.89% | 2.15M | $211.21M |
| 3 | Dimensional Fund Advisors LP | 3.88% | 2.15M | $210.73M |
| 4 | Vanguard Portfolio Management LLC | 3.10% | 1.72M | $168.40M |
| 5 | Vanguard Capital Management LLC | 2.21% | 1.23M | $120.23M |
| 6 | State Street Corporation | 1.98% | 1.10M | $107.74M |
| 7 | Renaissance Technologies, LLC | 1.49% | 823.58K | $80.74M |
| 8 | American Century Companies Inc | 1.47% | 813.32K | $79.73M |
| 9 | Geode Capital Management, LLC | 1.36% | 754.13K | $73.93M |
| 10 | DG Capital Management, LLC | 1.07% | 594.38K | $58.27M |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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