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Mercury General (MCY)
NYSE:MCY
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$47.06 - $100.06
Previous CloseN/A
Volume290.99K
Average Volume (3M)299.13K
Market Cap
$5.06B
Enterprise Value$4.32B
Total Cash (Recent Filing)$1.32B
Total Debt (Recent Filing)$586.86M
Price to Earnings (P/E)9.3
Beta0.71
Next Earnings
May 05, 2026EPS Estimate
2.32Next Dividend Ex-DateN/A
Dividend Yield1.34%
Share Statistics
EPS (TTM)3.66
Shares Outstanding55,388,626
10 Day Avg. Volume416,725
30 Day Avg. Volume299,130
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/Revenue0.72
Enterprise Value/Gross Profit2.13
Enterprise Value/Ebitda5.63
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)9
Revenue Forecast (FY)$6.06B
Bulls Say, Bears Say
Bulls Say
Cash GenerationSustained, large operating and free cash flow boosts financial flexibility for a P&C insurer. Strong FCF that closely tracks net income supports reserve funding, reinsurance, capital returns, and underwriting investments without frequent external financing, improving resilience across cycles.
Conservative Leverage / Stronger EquityLower leverage and materially higher equity provide a meaningful capital buffer against underwriting volatility common in P&C. This conservative balance-sheet posture supports rating stability, gives flexibility for reserve builds or rate actions, and allows strategic capital deployment without stressing liquidity.
Revenue And Profit RecoveryThe company has returned to consistent profitability after a severe underwriting loss, with improving revenue trends and solid net margins. Recovery signals better pricing, underwriting discipline, and product mix execution in personal lines, supporting sustainable earnings and return on equity in coming quarters.
Bears Say
Earnings Volatility / Cycle SensitivityAs a personal-lines P&C insurer, earnings and returns have shown sharp swings tied to loss-cost cycles and reserve adjustments. Such volatility can erode book value, complicate capital planning, and force procyclical underwriting or capital conservation, reducing predictability for stakeholders.
Limited Recent Margin VisibilityGaps in consistent margin metrics make it harder to judge whether recent profitability is durable. Without clear, repeatable underwriting margin trends, forecasting reserve adequacy and pricing responsiveness is more uncertain, increasing the risk of surprise underwriting losses or conservative capital reactions.
Cash-flow Variability HistoricallyHistorical swings in operating cash flow driven by reserving and working-capital dynamics show cash generation can be episodic. Even with strong recent FCF, variability limits confidence in consistent dividends or buybacks and can force precautionary capital retention in adverse underwriting periods.
Mercury General News
MCY FAQ
What was Mercury General’s price range in the past 12 months?
Mercury General lowest stock price was $47.06 and its highest was $100.06 in the past 12 months.
What is Mercury General’s market cap?
Mercury General’s market cap is $5.06B.
When is Mercury General’s upcoming earnings report date?
Mercury General’s upcoming earnings report date is May 05, 2026 which is in 61 days.
How were Mercury General’s earnings last quarter?
Mercury General released its earnings results on Feb 17, 2026. The company reported $3.66 earnings per share for the quarter, beating the consensus estimate of $2.657 by $1.003.
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 2.32.
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 $3.66 in its last earnings report, beating expectations of $2.657. Following the earnings report the stock price went down -9.201%.
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
Decreased
By 1.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $49.9K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 4.9%
Last 30 Days ▲ 7.7%
Last 30 Days ▲ 7.7%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
72.95%
12-Months-Change
Fundamentals
Return on Equity
24.80%
Trailing 12-Months
Asset Growth
14.36%
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
0.06% Insiders
10.44% Mutual Funds
7.79% Other Institutional Investors
66.38% Public Companies and
Individual Investors