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Mercury General Corporation

NYSE:MCY Stock Report

Market Cap: US$3.7b

Mercury General (MCY) Stock Overview

Engages in writing personal automobile insurance in the United States. More details

MCY fundamental analysis
Snowflake Score
Valuation3/6
Future Growth3/6
Past Performance4/6
Financial Health4/6
Dividends3/6

Rewards

Price-To-Earnings ratio (12.8x) is below the US market (18.7x)

Earnings are forecast to grow 20.92% per year

Earnings grew by 33% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record


MCY Community Fair Values

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Mercury General
AN
AnalystConsensusTarget
Consensus Narrative from 1 Analyst

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

Key Takeaways Strength in core business operations, excluding catastrophe losses, suggests improved future earnings stability and net margins through personal auto and homeowners lines. Anticipated premium growth and active subrogation claims pursuit may boost revenue, rebuild surplus, and stabilize financials.
View narrative
US$81.10
FV
18.6% undervalued intrinsic discount
5.97%
Revenue growth p.a.
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4users have followed this narrative
5 days ago author updated this narrative
View Mercury General Community

Mercury General Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for Mercury General
Historical stock prices
Current Share PriceUS$66.04
52 Week HighUS$80.72
52 Week LowUS$44.19
Beta0.98
1 Month Change2.40%
3 Month Change25.50%
1 Year Change20.12%
3 Year Change58.71%
5 Year Change63.14%
Change since IPO1,157.90%

Recent News & Updates

Mercury General (NYSE:MCY) Is Paying Out A Dividend Of $0.3175

Jun 11
Mercury General (NYSE:MCY) Is Paying Out A Dividend Of $0.3175

Recent updates

Mercury General (NYSE:MCY) Is Paying Out A Dividend Of $0.3175

Jun 11
Mercury General (NYSE:MCY) Is Paying Out A Dividend Of $0.3175

Mercury General's (NYSE:MCY) Dividend Will Be $0.3175

May 10
Mercury General's (NYSE:MCY) Dividend Will Be $0.3175

Investors Don't See Light At End Of Mercury General Corporation's (NYSE:MCY) Tunnel

May 07
Investors Don't See Light At End Of Mercury General Corporation's (NYSE:MCY) Tunnel

With EPS Growth And More, Mercury General (NYSE:MCY) Makes An Interesting Case

Mar 14
With EPS Growth And More, Mercury General (NYSE:MCY) Makes An Interesting Case
author-image

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.

Mercury General's (NYSE:MCY) Dividend Will Be $0.3175

Feb 15
Mercury General's (NYSE:MCY) Dividend Will Be $0.3175

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

Jan 16

Little Excitement Around Mercury General Corporation's (NYSE:MCY) Revenues As Shares Take 33% Pounding

Jan 11
Little Excitement Around Mercury General Corporation's (NYSE:MCY) Revenues As Shares Take 33% Pounding

Mercury General: Turning Lead Into Gold

Oct 31

It's A Story Of Risk Vs Reward With Mercury General Corporation (NYSE:MCY)

Oct 10
It's A Story Of Risk Vs Reward With Mercury General Corporation (NYSE:MCY)

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

Sep 20

Cautious Investors Not Rewarding Mercury General Corporation's (NYSE:MCY) Performance Completely

Jun 07
Cautious Investors Not Rewarding Mercury General Corporation's (NYSE:MCY) Performance Completely

Even With A 26% Surge, Cautious Investors Are Not Rewarding Mercury General Corporation's (NYSE:MCY) Performance Completely

Mar 07
Even With A 26% Surge, Cautious Investors Are Not Rewarding Mercury General Corporation's (NYSE:MCY) Performance Completely

Investors Holding Back On Mercury General Corporation (NYSE:MCY)

Jan 06
Investors Holding Back On Mercury General Corporation (NYSE:MCY)

Mercury General: From A Pariah To A Potential Candidate For Recovery

Nov 16

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

Nov 04
Mercury General (NYSE:MCY) Will Pay A Dividend Of $0.3175

Mercury General (NYSE:MCY) Has Announced A Dividend Of $0.3175

Aug 29
Mercury General (NYSE:MCY) Has Announced A Dividend Of $0.3175

Mercury General: Struggling Against Ongoing Headwinds

Aug 08

Mercury General (NYSE:MCY) Is Paying Out A Dividend Of $0.3175

Aug 05
Mercury General (NYSE:MCY) Is Paying Out A Dividend Of $0.3175

Mercury General Non-GAAP EPS of -$1.45 misses by $0.84, revenue of $1.15B beats by $166.02M

Feb 14

Mercury General GAAP EPS of -$3.80, revenue of $785.6M

Aug 02

Shareholder Returns

MCYUS InsuranceUS Market
7D-0.08%-1.9%0.1%
1Y20.1%9.1%11.4%

Return vs Industry: MCY exceeded the US Insurance industry which returned 9.8% over the past year.

Return vs Market: MCY exceeded the US Market which returned 11.7% over the past year.

Price Volatility

Is MCY's price volatile compared to industry and market?
MCY volatility
MCY Average Weekly Movement4.1%
Insurance Industry Average Movement4.1%
Market Average Movement6.4%
10% most volatile stocks in US Market17.0%
10% least volatile stocks in US Market3.2%

Stable Share Price: MCY has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: MCY's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19614,200Gabe Tiradorwww.mercuryinsurance.com

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, underinsured and uninsured motorist, and other hazards; and homeowners insurance products comprise dwelling, liability, personal property, and other coverages.

Mercury General Corporation Fundamentals Summary

How do Mercury General's earnings and revenue compare to its market cap?
MCY fundamental statistics
Market capUS$3.66b
Earnings (TTM)US$286.16m
Revenue (TTM)US$5.60b
12.8x
P/E Ratio
0.7x
P/S Ratio

Is MCY overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MCY income statement (TTM)
RevenueUS$5.60b
Cost of RevenueUS$4.87b
Gross ProfitUS$726.13m
Other ExpensesUS$439.96m
EarningsUS$286.16m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Jul 29, 2025

Earnings per share (EPS)5.17
Gross Margin12.98%
Net Profit Margin5.11%
Debt/Equity Ratio31.5%

How did MCY perform over the long term?

See historical performance and comparison

Dividends

1.9%
Current Dividend Yield
25%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/07/14 12:39
End of Day Share Price 2025/07/11 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Mercury General Corporation is covered by 8 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Alison JacobowitzBofA Global Research
Charles GatesCredit Suisse
Christopher CampbellKeefe, Bruyette, & Woods