Mercury General Corporation

NYSE:MCY Stock Report

Market Cap: US$4.7b

Mercury General Past Earnings Performance

Past criteria checks 5/6

Mercury General has been growing earnings at an average annual rate of 0.8%, while the Insurance industry saw earnings growing at 12.9% annually. Revenues have been growing at an average rate of 9.2% per year. Mercury General's return on equity is 19.8%, and it has net margins of 6.8%.

Key information

0.85%

Earnings growth rate

0.84%

EPS growth rate

Insurance Industry Growth8.02%
Revenue growth rate9.18%
Return on equity19.81%
Net Margin6.76%
Last Earnings Update30 Jun 2025

Recent past performance updates

Recent updates

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

Aug 27
Mercury General (NYSE:MCY) Will Pay A Dividend Of $0.3175

Mercury General: Signs Of Life, But Not A Buy - Why The Stock Still Rates A Hold

Aug 04

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

Aug 02
Mercury General (NYSE:MCY) Is Due To Pay A Dividend Of $0.3175

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

Jul 23
Here's Why Mercury General (NYSE:MCY) Has Caught The Eye Of Investors

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
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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

Revenue & Expenses Breakdown

How Mercury General makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NYSE:MCY Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 255,768390420
31 Mar 255,595286360
31 Dec 245,476468360
30 Sep 245,464558320
30 Jun 245,019319260
31 Mar 244,797215240
31 Dec 234,63096220
30 Sep 234,407-102250
30 Jun 234,242-192250
31 Mar 233,944-361270
31 Dec 223,643-513290
30 Sep 223,541-475370
30 Jun 223,573-376540
31 Mar 223,806-56620
31 Dec 213,993248670
30 Sep 214,016384640
30 Jun 214,082502560
31 Mar 214,069621530
31 Dec 203,785375550
30 Sep 203,701240550
30 Jun 203,689190570
31 Mar 203,66345580
31 Dec 193,973320600
30 Sep 193,801207430
30 Jun 193,709196420
31 Mar 193,615173410
31 Dec 183,380-6410
30 Sep 183,42196400
30 Jun 183,38184400
31 Mar 183,34875370
31 Dec 173,413145370
30 Sep 173,29399380
30 Jun 173,24679360
31 Mar 173,25177390
31 Dec 163,22873400
30 Sep 163,276123390
30 Jun 163,221111400
31 Mar 163,08972430
31 Dec 153,00974440
30 Sep 152,94530450
30 Jun 152,91346390
31 Mar 152,993131330
31 Dec 143,012178230

Quality Earnings: MCY has high quality earnings.

Growing Profit Margin: MCY's current net profit margins (6.8%) are higher than last year (6.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: MCY's earnings have grown by 0.8% per year over the past 5 years.

Accelerating Growth: MCY's earnings growth over the past year (22.2%) exceeds its 5-year average (0.8% per year).

Earnings vs Industry: MCY earnings growth over the past year (22.2%) exceeded the Insurance industry 6%.

Return on Equity

High ROE: MCY's Return on Equity (19.8%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/03 13:27
End of Day Share Price 2025/10/03 00:00
Earnings2025/06/30
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