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$62.25 - $103.86
Previous CloseN/A
Volume290.99K
Average Volume (3M)233.39K
Market Cap
$5.45B
Enterprise Value$4.67B
Total Cash (Recent Filing)$1.79B
Total Debt (Recent Filing)$587.28M
Price to Earnings (P/E)6.5
Beta0.81
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. Volume238,560
30 Day Avg. Volume233,387
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 Cap0.86
Enterprise Value/Revenue0.76
Enterprise Value/Gross Profit1.73
Enterprise Value/Ebitda4.09
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
Margin ExpansionSustained margin expansion reflects stronger underwriting outcomes and pricing discipline across recent periods. Higher net margins improve retained earnings and capital build, supporting reserve funding and investment returns over the next several quarters absent large catastrophe shocks.
Improving Leverage & ROELower leverage and a materially higher ROE indicate a stronger capital structure and efficient use of equity. This enhances the firm's ability to absorb underwriting volatility, deploy capital opportunistically, and sustain shareholder distributions over the medium term.
Proactive Wildfire Risk MitigationA structural investment in wildfire mitigation targets a key source of catastrophe losses in core markets. Reducing hazardous fuels can lower future claim frequency/severity, improve underwriting loss trends and reinsurance economics, and demonstrates active enterprise risk management.
Bears Say
Underwriting CyclicalityMercury's earnings are structurally exposed to underwriting cycles: accident frequency, repair and medical cost trends, and catastrophe events can reverse recent gains. Historical swings (including 2022 losses) show underwriting can quickly erode profits and capital if adverse trends persist.
Inconsistent Cash-to-Debt CoverageVolatile cash-to-debt metrics reduce predictability of liquidity and limit durable financial flexibility. During down cycles, inconsistent coverage could constrain capital actions, dividend policy or reinsurance purchases, raising the company's vulnerability to extended adverse underwriting periods.
Concentration In Personal Auto LinesHeavy reliance on personal auto exposes the firm to secular and cyclical pressures specific to that line—regulatory rate limits, changes in accident frequency/severity, and repair cost inflation. Limited product diversification can magnify underwriting and regulatory shocks over time.
Mercury General News
MCY FAQ
What was Mercury General’s price range in the past 12 months?
Mercury General lowest stock price was $62.25 and its highest was $103.86 in the past 12 months.
What is Mercury General’s market cap?
Mercury General’s market cap is $5.45B.
When is Mercury General’s upcoming earnings report date?
Mercury General’s upcoming earnings report date is Aug 04, 2026 which is in 62 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
2
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 ▲ 2.0%
Last 30 Days ▲ 11.1%
Last 30 Days ▲ 11.1%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
55.43%
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. 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, fire, and other hazards. The company 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 founded 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
62.51% Public Companies and
Individual Investors