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Mercury General CorporationNYSE:MCY Voorraadrapport

Marktkapitalisatie US$6.1b
Prijs aandeel
n/a
1Y67.2%
7D3.1%
1D1.8%
Portefeuillewaarde
​
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Mercury General Corporation

NYSE:MCY Voorraadrapport

Marktkapitalisatie: US$6.1b

Mercury General (MCY) Aandelenoverzicht

Mercury General Corporation schrijft samen met haar dochterondernemingen autoverzekeringen voor particulieren in de Verenigde Staten. Meer informatie

Beloningen

Verhandeld tegen 14.3% onder onze schatting van de reële waarde

De winst groeide het afgelopen jaar met 193.5%

Handelen tegen een goede waarde vergeleken met branchegenoten en branchegenoten

Risicoanalyse

De winst zal naar verwachting de komende drie jaar met gemiddeld 6.6% per jaar dalen.


MCY Community Fair Values

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Analyst Price Targets

Top Community Narratives

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Mercury General

Is Mercury General a Buffett-Style Undervalued Insurer?

Mercury General is a classic, conservatively managed P&C insurer with a strong presence in California, particularly in auto insurance. Its focused geographic exposure has historically been both a strength and a structural risk.
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US$102.88
FV
7.4% overgewaardeerd intrinsieke korting
10.77%
Revenue growth p.a.
24
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
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Mercury General Corporation Concurrenten

Prijsgeschiedenis en prestaties

Overzicht van hoogtepunten, dieptepunten en veranderingen in de aandelenkoersen voor Mercury General
Historische aandelenkoersen
Huidige aandelenkoersUS$110.48
52 Week HoogtepuntUS$111.46
52 Week LaagUS$64.21
Bèta0.91
1 maand verandering8.88%
3 maanden verandering22.50%
1 Jaar Verandering67.17%
3 jaar verandering282.55%
5 jaar verandering72.38%
Verandering sinds IPO2,004.38%

Recent nieuws en updates

Narratiefupdate • Jun 15

MCY: Rebounded Profitability And Balance Sheet Actions Will Support Future Repricing Potential

Analysts have maintained their price target for Mercury General at $120.00, reflecting steady assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E despite only minimal adjustments to their models. What's in the News Mercury General reported Q1 2026 net income of $190 million, compared with a loss in the prior year period, with results supported by higher net premiums, favorable investment returns, lower catastrophe losses, and tighter expense management (source: Q1 2026 earnings coverage).
Narratiefupdate • Jun 01

MCY: Higher Profitability Assumptions Will Support Future Repricing Potential

Analysts have raised their price target for Mercury General from $110 to $120. This reflects updated assumptions for revenue growth, profit margins, and a lower future P/E multiple in their models.
Seeking Alpha • May 29

Mercury Vs. Safety: The Falling Knife Became The Better Insurer

Summary Mercury General (MCY) has restored underwriting profitability, posting a Q1 2026 combined ratio of 89.3% versus Safety Insurance’s (SAFT) 113.4%. MCY trades at only 6.5x TTM earnings, offering potential upside if re-rated toward industry norms, while SAFT’s forward P/E appears stretched at 14.4x–22.9x. Underwriting discipline now favors MCY, while SAFT’s combined ratio remains unpredictable, limiting its investment appeal despite asset-based valuation arguments. I rate MCY a Buy for its improved underwriting and valuation; SAFT remains a Hold due to mediocre performance and lack of clear upside. Read the full article on Seeking Alpha

Recent updates

Narratiefupdate • Jun 15

MCY: Rebounded Profitability And Balance Sheet Actions Will Support Future Repricing Potential

Analysts have maintained their price target for Mercury General at $120.00, reflecting steady assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E despite only minimal adjustments to their models. What's in the News Mercury General reported Q1 2026 net income of $190 million, compared with a loss in the prior year period, with results supported by higher net premiums, favorable investment returns, lower catastrophe losses, and tighter expense management (source: Q1 2026 earnings coverage).
Narratiefupdate • Jun 01

MCY: Higher Profitability Assumptions Will Support Future Repricing Potential

Analysts have raised their price target for Mercury General from $110 to $120. This reflects updated assumptions for revenue growth, profit margins, and a lower future P/E multiple in their models.
Seeking Alpha • May 29

Mercury Vs. Safety: The Falling Knife Became The Better Insurer

Summary Mercury General (MCY) has restored underwriting profitability, posting a Q1 2026 combined ratio of 89.3% versus Safety Insurance’s (SAFT) 113.4%. MCY trades at only 6.5x TTM earnings, offering potential upside if re-rated toward industry norms, while SAFT’s forward P/E appears stretched at 14.4x–22.9x. Underwriting discipline now favors MCY, while SAFT’s combined ratio remains unpredictable, limiting its investment appeal despite asset-based valuation arguments. I rate MCY a Buy for its improved underwriting and valuation; SAFT remains a Hold due to mediocre performance and lack of clear upside. Read the full article on Seeking Alpha
Narratiefupdate • Apr 26

MCY: Stable Profitability And P/E Multiple Will Support Future Repricing

Analysts kept their price target for Mercury General steady at $110.00. This reflects broadly unchanged assumptions on discount rate, revenue growth, profit margin and future P/E multiples.
Narratiefupdate • Apr 11

MCY: Steady Profit Outlook And Discounted P/E Will Drive Future Repricing

Analysts have kept their $110.00 price target on Mercury General unchanged, reflecting steady views on fair value as they continue to see the current discount rate, revenue growth outlook, profit margin assumptions, and future P/E expectations as consistent with prior estimates. Valuation Changes Fair Value: The model fair value remains at $110.00, indicating no change in the assessed share valuation level.
Narratiefupdate • Mar 28

MCY: Stable Assumptions And Undervalued P/E Will Support Future Repricing

Analysts have kept their price target for Mercury General steady at $110.00, reflecting unchanged assumptions around discount rate, revenue growth, profit margin, and future P/E expectations. Valuation Changes Fair Value: Model fair value stays at $110.00, indicating no change in the estimated intrinsic price per share.
Narratiefupdate • Mar 13

MCY: Steady Assumptions And Undervalued P/E Will Support Bullish Repricing

Analysts have kept their $110.00 price target for Mercury General unchanged, reflecting largely consistent assumptions on the discount rate, revenue growth, profit margin, and future P/E, with only minimal refinements to the model. Valuation Changes Fair Value: The model fair value remains at $110.00, with no change from the prior estimate.
Narratiefupdate • Feb 27

MCY: Higher Fair Value And P/E Assumptions Will Support Bullish Repricing

Analysts have lifted their price target for Mercury General to $110 from $100, reflecting updated assumptions around fair value, discount rate, revenue growth, profit margin, and an expected future P/E multiple. Valuation Changes Fair Value: updated to $110 from $100, indicating a modest uplift in the assessed share value.
Analyseartikel • Nov 08

Mercury General (NYSE:MCY) Will Pay A Dividend Of $0.3175

Mercury General Corporation's ( NYSE:MCY ) investors are due to receive a payment of $0.3175 per share on 24th of...
Narratiefupdate • Sep 24

Core Business Strength May Support Future Earnings Despite Wildfire Losses And Rising Reinsurance Costs

Mercury General's fair value estimate was raised primarily due to a higher future P/E multiple despite steady revenue growth projections, driving the consensus analyst price target up from $90 to $100. What's in the News Mercury Insurance released its annual list of the most affordable EVs to insure, aiming to guide budget-conscious consumers and highlight insurance-saving vehicle models.
Analyseartikel • Aug 27

Mercury General (NYSE:MCY) Will Pay A Dividend Of $0.3175

The board of Mercury General Corporation ( NYSE:MCY ) has announced that it will pay a dividend on the 25th of...
Analyseartikel • Aug 02

Mercury General (NYSE:MCY) Is Due To Pay A Dividend Of $0.3175

The board of Mercury General Corporation ( NYSE:MCY ) has announced that it will pay a dividend on the 25th of...
Analyseartikel • Jul 23

Here's Why Mercury General (NYSE:MCY) Has Caught The Eye Of Investors

The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
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Nieuw narratief • Feb 16

Core Business Strength May Support Future Earnings Despite Wildfire Losses And Rising Reinsurance Costs

Strength in core business operations, excluding catastrophe losses, suggests improved future earnings stability and net margins through personal auto and homeowners lines.
Seeking Alpha • Jan 16

California Wildfires, Mercury General's Opportunity Amid Crisis (Rating Upgrade)

Summary The Los Angeles wildfires, while tragic, may present an opportunity for Mercury General due to potential market exits by other insurers and possible price increases. Mercury General's exposure to auto insurance, along with its reinsurance coverage, suggests it can absorb the wildfire losses, estimated at $150 million pre-tax. Despite potential risks like increased reinsurance costs and regulatory changes, Mercury General is positioned for growth and higher premiums post-wildfires. I initiated a position in Mercury General, expecting a stock rebound to $56-$60, driven by positive FY 2024 results and subsiding wildfire fears. Read the full article on Seeking Alpha
Seeking Alpha • Oct 31

Mercury General: Turning Lead Into Gold

Summary Mercury General faced operational challenges and high loss ratios in 2022, compounded by a dividend reduction that resulted in the loss of its "dividend aristocrat" status. In response to these challenges, Mercury launched remediation efforts in 2023 focused on improving underwriting margins, especially in California, where adverse conditions significantly impacted profitability. By mid-2024, Mercury's combined ratio improved, achieving positive underwriting income and a combined ratio of 98.9% by Q2, reflecting the success of rate adjustments and underwriting improvements. Third-quarter results were particularly strong, leading to a year-to-date underwriting income of $88.7 million, reinforcing investor optimism and supporting a substantial stock price increase since early 2024. Mercury is on track for continued improvement, with anticipated FY 2024 combined ratios between 96.5% and 97.8%, driven by effective remediation and investment income growth, although it still trades at a premium relative to steadier competitors. Read the full article on Seeking Alpha
Seeking Alpha • Sep 20

Mercury General: Very Cheap, And Expert Of Maximizing After-Tax Yield

Summary Mercury General Corporation is well-positioned for growth with significant cash reserves, enabling investment in advertising and agent network expansion to boost net sales. Recent rate increases approved by the Department of Insurance and impressive EPS forecasts for 2025 make MCY an attractive buy. The company's strong investment track record, focus on maximizing after-tax yield, and experienced leadership further support its potential for stable returns. Despite some risks, including market concentration in California and inflationary pressures, MCY's proven business model and undervaluation present a compelling investment opportunity. Read the full article on Seeking Alpha

Rendement voor aandeelhouders

MCYUS InsuranceUS Markt
7D3.1%4.9%1.6%
1Y67.2%3.8%18.6%

Rendement versus industrie: MCY overtrof de US Insurance industrie, die het afgelopen jaar een rendement 3.8 % opleverde.

Rendement versus markt: MCY overtrof de US markt, die het afgelopen jaar een rendement opleverde van 18.6 %.

Prijsvolatiliteit

Is MCY's price volatile compared to industry and market?
MCY volatility
MCY Average Weekly Movement3.7%
Insurance Industry Average Movement4.3%
Market Average Movement7.3%
10% most volatile stocks in US Market16.7%
10% least volatile stocks in US Market3.2%

Stabiele aandelenkoers: MCY heeft de afgelopen 3 maanden geen significante prijsvolatiliteit gekend vergeleken met de US markt.

Volatiliteit in de loop van de tijd: De wekelijkse volatiliteit ( 4% ) van MCY is het afgelopen jaar stabiel geweest.

Over het bedrijf

OpgerichtWerknemersCEOWebsite
19614,380Gabe Tiradorwww.mercuryinsurance.com

Mercury General Corporation houdt zich, samen met haar dochterondernemingen, bezig met het afsluiten van autoverzekeringen in de Verenigde Staten. Het bedrijf schrijft ook producten voor huiseigenaren, commerciële auto's, commercieel eigendom, mechanische bescherming en parapluverzekeringen. De autoverzekeringsproducten van het bedrijf omvatten botsingen, schade aan eigendommen, lichamelijk letsel, uitgebreide, persoonlijk letsel bescherming, onderverzekerd en onverzekerd automobilist, en andere risico's; en huiseigenaren verzekeringsproducten omvatten woning, aansprakelijkheid, persoonlijke eigendommen, en andere dekkingen.

Mercury General Corporation Samenvatting

Hoe verhouden de winst en inkomsten van Mercury General zich tot de beurswaarde?
MCY fundamentele statistieken
MarktkapitalisatieUS$6.12b
Inkomsten(TTM)US$839.84m
Inkomsten(TTM)US$6.14b
7.3x
Koers/Winstverhouding
1.0x
P/S-verhouding

Is MCY overgewaardeerd?

Zie Reële waarde en waarderingsanalyse

Inkomsten en omzet

Belangrijkste winstgevendheidsstatistieken uit het laatste winstverslag (TTM)
MCY resultatenrekening (TTM)
InkomstenUS$6.14b
Kosten van inkomstenUS$4.59b
BrutowinstUS$1.55b
Overige uitgavenUS$708.47m
InkomstenUS$839.84m

Laatst gerapporteerde inkomsten

Mar 31, 2026

Volgende inkomensdatum

n.v.t.

Winst per aandeel (EPS)15.16
Brutomarge25.23%
Nettowinstmarge13.69%
Schuld/Eigen Vermogen Verhouding22.2%

Hoe presteerde MCY op de lange termijn?

Bekijk historische prestaties en vergelijking

Dividenden

1.1%
Huidig dividendrendement
8%
Uitbetalingsratio

Bedrijfsanalyse en status van financiële gegevens

GegevensLaatst bijgewerkt (UTC-tijd)
Bedrijfsanalyse2026/07/06 09:21
Aandelenkoers aan het einde van de dag2026/07/02 00:00
Inkomsten2026/03/31
Jaarlijkse inkomsten2025/12/31

Gegevensbronnen

De gegevens die gebruikt zijn in onze bedrijfsanalyse zijn afkomstig van S&P Global Market Intelligence LLC. De volgende gegevens worden gebruikt in ons analysemodel om dit rapport te genereren. De gegevens zijn genormaliseerd, waardoor er een vertraging kan optreden voordat de bron beschikbaar is.

PakketGegevensTijdframeVoorbeeld Amerikaanse bron *
Financiële gegevens bedrijf10 jaar
  • Resultatenrekening
  • Kasstroomoverzicht
  • Balans
Consensus schattingen analisten+3 jaar
  • Financiële prognoses
  • Koersdoelen analisten
Marktprijzen30 jaar
  • Aandelenprijzen
  • Dividenden, splitsingen en acties
Eigendom10 jaar
  • Top aandeelhouders
  • Handel met voorkennis
Beheer10 jaar
  • Leiderschapsteam
  • Raad van bestuur
Belangrijkste ontwikkelingen10 jaar
  • Bedrijfsaankondigingen

* Voorbeeld voor effecten uit de VS, voor niet-Amerikaanse effecten worden gelijkwaardige formulieren en bronnen gebruikt.

Tenzij anders vermeld zijn alle financiële gegevens gebaseerd op een jaarperiode, maar worden ze elk kwartaal bijgewerkt. Dit staat bekend als Trailing Twelve Month (TTM) of Last Twelve Month (LTM) gegevens. Meer informatie.

Analysemodel en Snowflake

Details van het analysemodel dat is gebruikt om dit rapport te genereren zijn beschikbaar op onze Github-pagina, we hebben ook handleidingen over hoe u onze rapporten kunt gebruiken en tutorials op YouTube.

Leer meer over het team van wereldklasse dat het Simply Wall St-analysemodel heeft ontworpen en gebouwd.

Industrie en sector

Onze industrie- en sectormetrics worden elke 6 uur berekend door Simply Wall St, details van ons proces zijn beschikbaar op Github.

Bronnen van analisten

Mercury General Corporation wordt gevolgd door 7 analisten. 1 van deze analisten hebben de schattingen van de omzet of winst ingediend die zijn gebruikt als input voor ons rapport. Inzendingen van analisten worden de hele dag door bijgewerkt.

AnalistInstelling
Alison JacobowitzBofA Global Research
Christopher CampbellKeefe, Bruyette, & Woods
Raymond IardellaMacquarie Research