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MCY Stock Chart & Stats
$107.28
$1.82(1.73%)
At close: 4:00 PM EDT
$107.28
$1.82(1.73%)
Day’s Range― - ―
52-Week Range$69.82 - $113.06
Previous Close$107.28
Volume221.91K
Average Volume (3M)302.40K
Market Cap
$5.93B
Enterprise Value$5.47K
Total Cash (Recent Filing)$1.70B
Total Debt (Recent Filing)$943.75M
Price to Earnings (P/E)7.1
Beta0.81
Next Earnings
Nov 03, 2026EPS Estimate
3.1Next Dividend Ex-DateN/A
Dividend Yield1.19%
Share Statistics
EPS (TTM)16.92
Shares Outstanding55,388,626
10 Day Avg. Volume267,364
30 Day Avg. Volume302,398
Financial Highlights & Ratios
PEG Ratio0.62
Price to Book (P/B)2.16
Price to Sales (P/S)0.87
P/FCF Ratio5.06
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)11.5
Revenue Forecast (FY)$6.21B
Bulls Say, Bears Say
Bulls Say
Profitability And Cash GenerationA strong rebound to ~$937M TTM net income and OCF of ~$1.33B, with FCF ~95% of net income, indicates durable earnings quality and cash conversion. This consistent cash generation supports reserves, reinsurance funding, and shareholder returns across the next several quarters.
Capitalization And Return On EquityA conservative leverage profile (debt ~1/3 of equity) and materially higher equity versus 2022 provide balance-sheet resilience. Elevated ROE reflects earnings recovery and gives capacity to absorb underwriting volatility and support growth or capital returns over the medium term.
Improved Financial FlexibilityThe recent notes issuance expands funding alternatives and liquidity, strengthening the firm's ability to finance reinsurance, absorb catastrophe losses, or invest in growth. That structural capital-market access enhances strategic optionality over coming quarters.
Bears Say
Underwriting VolatilityPast underwriting swings (including a 2022 loss) and a recent slowdown to ~3.3% revenue growth signal persistent cyclicality. Claims frequency/severity, reserve development, and pricing dynamics can drive material earnings variability over multiple quarters.
Concentration In California And Auto LinesHeavy exposure to California and to private passenger auto concentrates regulatory, legal and catastrophe risk. State-level rate approvals, auto-insurance reforms, and localized weather events can disproportionately affect underwriting margins and growth sustainability.
Higher Reinsurance Costs From Catastrophe EventsReinstating exhausted catastrophe coverage raised ceded premiums, increasing ongoing underwriting costs. If catastrophe frequency or reinsurance pricing remains elevated, sustained higher ceded costs will compress margins and require either higher premiums or reduced risk retention.
Mercury General News
MCY FAQ
What was Mercury General’s price range in the past 12 months?
Mercury General lowest stock price was $69.82 and its highest was $113.06 in the past 12 months.
What is Mercury General’s market cap?
Mercury General’s market cap is $5.93B.
When is Mercury General’s upcoming earnings report date?
Mercury General’s upcoming earnings report date is Nov 03, 2026 which is in 89 days.
How were Mercury General’s earnings last quarter?
Mercury General released its earnings results on Aug 04, 2026. The company reported $3.52 earnings per share for the quarter, beating the consensus estimate of $2.525 by $0.995.
Is Mercury General overvalued?
According to Wall Street analysts Mercury General’s price is currently Overvalued.
Does Mercury General pay dividends?
Mercury General pays a Quarterly dividend of $0.318 which represents an annual dividend yield of 1.19%. See more information on Mercury General dividends here
What is Mercury General’s EPS estimate?
Mercury General’s EPS estimate is 3.1.
How many shares outstanding does Mercury General have?
Mercury General has 55,388,626 shares outstanding.
What happened to Mercury General’s price movement after its last earnings report?
Mercury General reported an EPS of $3.52 in its last earnings report, beating expectations of $2.525. Following the earnings report the stock price went up 2.824%.
Which hedge fund is a major shareholder of Mercury General?
Currently, no hedge funds are holding shares in MCY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Mercury General Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
MCY Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 18.9K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.2%
Last 30 Days ▼ 10.5%
Last 30 Days ▼ 10.5%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
56.99%
12-Months-Change
Fundamentals
Return on Equity
1.19%
Trailing 12-Months
Asset Growth
16.91%
Trailing 12-Months
Company Description
Mercury General
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.
Technical Analysis
Ownership Overview
0.18% Insiders
10.70% Mutual Funds
0.53% Other Institutional Investors
70.61% Public Companies and
Individual Investors