Mercury General (MCY)
NYSE:MCY
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MCY Stock Chart & Stats
$93.12
-$3.88(-5.99%)
At close: 4:00 PM EST
$93.12
-$3.88(-5.99%)
Day’s Range― - ―
52-Week Range$63.77 - $107.02
Previous CloseN/A
Volume290.99K
Average Volume (3M)257.13K
Market Cap
$5.71B
Enterprise Value$4.85B
Total Cash (Recent Filing)$1.79B
Total Debt (Recent Filing)$587.28M
Price to Earnings (P/E)7.0
Beta0.80
Next Earnings
Aug 04, 2026EPS Estimate
2.4Next Dividend Ex-DateN/A
Dividend Yield1.34%
Share Statistics
EPS (TTM)15.17
Shares Outstanding55,388,626
10 Day Avg. Volume273,968
30 Day Avg. Volume257,135
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 Cap0.85
Enterprise Value/Revenue0.79
Enterprise Value/Gross Profit1.80
Enterprise Value/Ebitda4.23
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)10
Revenue Forecast (FY)$6.07B
Bulls Say, Bears Say
Bulls Say
Premium Growth And ScaleSustained premium expansion across Q1 and full-year 2025 reflects rising production in personal auto and homeowners lines. Durable premium growth increases underwriting scale, enhances risk pooling, and expands the investment float, supporting long-term revenue and capital efficiency.
Improved Profitability And MarginsSharp margin expansion into the trailing twelve months and a return to positive operating income indicate sustained pricing discipline and cost control. Higher margins improve earnings durability and allow better capital returns and reinvestment if underwriting trends remain stable.
Solid Cash GenerationHigh free cash flow conversion and meaningful FCF growth mean the company can fund claims, operations, dividends and some growth internally. Reliable cash generation reduces persistent reliance on external capital during ordinary cycles.
Bears Say
Historical Earnings VolatilityThe firm's track record includes wide earnings swings and a loss-making 2022, showing sensitivity to underwriting cycles. That structural volatility can erode capital cushions quickly in adverse loss environments and complicate multi-period planning and rate-setting.
Catastrophe And Reinsurance Cost ExposureSignificant wildfire losses forced reinstatement of exhausted cat reinsurance and raised ceded premiums. Ongoing catastrophe exposure can structurally inflate reinsurance costs and compress underwriting margins in affected regions over multiple years.
Inconsistent Debt-coverage MetricsVolatile cash-to-debt coverage across years suggests liquidity and leverage resilience can vary materially. Even with strong headline FCF, inconsistent coverage raises the risk of tighter funding conditions or constrained capital actions during adverse underwriting cycles.
Mercury General News
MCY FAQ
What was Mercury General’s price range in the past 12 months?
Mercury General lowest stock price was $63.77 and its highest was $107.02 in the past 12 months.
What is Mercury General’s market cap?
Mercury General’s market cap is $5.71B.
When is Mercury General’s upcoming earnings report date?
Mercury General’s upcoming earnings report date is Aug 04, 2026 which is in 41 days.
How were Mercury General’s earnings last quarter?
Mercury General released its earnings results on May 05, 2026. The company reported $3.5 earnings per share for the quarter, beating the consensus estimate of $2.523 by $0.977.
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 1.34%. See more information on Mercury General dividends here
What is Mercury General’s EPS estimate?
Mercury General’s EPS estimate is 2.4.
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 $3.5 in its last earnings report, beating expectations of $2.523. Following the earnings report the stock price went down -1.467%.
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
Outperform
1
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3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
MCY Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 18.9K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 3.7%
Last 30 Days ▲ 36.1%
Last 30 Days ▲ 36.1%
Technicals
SMA
Positive
20 days / 200 days
Momentum
63.29%
12-Months-Change
Fundamentals
Return on Equity
36.48%
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
10.56% Mutual Funds
9.71% Other Institutional Investors
62.25% Public Companies and
Individual Investors