Financials / Insurance - Property & CasualtyUpdated 2026-05-10 22:07 UTC

MCY stock hub

Mercury General Corporation has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

5.5B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

MCY

In the news

Latest news · MCY

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E11.4

P25 8.8P50 10.4P75 13.1

Trailing P/E6.6

P25 10.9P50 14.7P75 36.2

ROE38.1

P25 4.9P50 10.4P75 15

ROIC27.8

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All MCY market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

252

Groups with data

Currency

USD

Showing 252 of 252 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000064996
Company name	Mercury General Corporation
Country	United States
Country code	US
Cusip	589400100
Employees	4,380
Employees Change	180%
Employees Change Percent	4.29
Enterprise value	$4.8B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Insurance - Property & Casualty
Isin	US5894001008
Last refreshed	2026-05-10
Market cap	$5.5B
Market cap category	Mid-Cap
Price	$99.67
Price currency	USD
Rev Per Employee	1,400,844.29x
Sector	Financials
Sic	6331
Symbol	MCY
Website	https://www.mercuryinsurance.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	15.21%
EV Earnings	5.66x
EV Sales Forward	0.99x
EV/EBIT	4.46x
EV/EBITDA	4.16x
EV/FCF	3.35x
EV/Sales	0.78x
FCF yield	25.71%
Forward P/E	11.39x
P/B ratio	2.13x
P/E ratio	6.57x
P/S ratio	0.9x
PE Ratio10 Y	18.64x
PE Ratio3 Y	10.46x
PE Ratio5 Y	10.12x
PS Forward	1.14x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	17.39%
EBITDA Margin	18.66%
FCF margin	23.13%
Gross margin	25.23%
Gross Profit	$1.5B
Net Income	$839.8M
Net Income Growth	193.48%
Net Income Growth Quarters	4%
Net Income Growth Years	3%
Net Income Growth5 Y	6.23%
Pretax Margin	16.98%
Profit Margin	13.69%
Profit Per Employee	$191,745
Profitable Years	3
ROA	7.06
Roa5y	1.52
ROCE	16.04
ROE	38.08
Roe5y	8.35
ROIC	27.83
Roic5y	5.63

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	11.13%
Cagr15y	11%
Cagr1y	77.83%
Cagr20y	7.69%
Cagr3y	53.76%
Cagr5y	11.97%
Div CAGR10	-6.45%
Div CAGR3	-7.17%
Div CAGR5	-12.84%
EPS Growth	193.9
EPS Growth Quarters	4
EPS Growth Years	3
EPS Growth5 Y	6.23
FCF Growth	95.31%
FCF Growth3 Y	83.89%
FCF Growth5 Y	17.07%
OCF Growth	90.98%
OCF Growth10 Y	20.55%
OCF Growth3 Y	77.66%
OCF Growth5 Y	16.75%
Revenue Growth	9.95x
Revenue Growth Q	10.47x
Revenue Growth Quarters	5x
Revenue Growth Years	3x
Revenue Growth3 Y	15.87x
Revenue Growth5 Y	8.56x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$0.65
Assets	$9.9B
Cash	$1.8B
Debt	$587.3M
Debt EBITDA	$0.51
Debt Equity	$0.23
Debt FCF	$0.41
Equity	$2.6B
Interest Coverage	37.77
Liabilities	$7.3B
Net Cash	$763.6M
Net Cash By Market Cap	$13.83
Net Cash Growth	10.24%
Net Debt EBITDA	$-0.67
Net Debt Equity	$-0.29
Net Debt FCF	$-0.54
Tangible Book Value	$2.5B
Tangible Book Value Per Share	$45.87
WACC	8.88

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.88
Net Working Capital	$-1.4B
Quick ratio	0.84
Working Capital	$-402.2M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0.01%
Dividend Growth	0%
Dividend Growth Years	0%
Dividend per share	$1.27
Dividend Years	41
Dividend Yield	1.27%
Ex Div Date	2026-06-11
Last Dividend	$0.32
Payout Frequency	Quarterly
Payout Ratio	8.38%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	187.35%
1Y total return	77.76%
200-day SMA	86.06
3Y total return	263.65%
50-day SMA	92.15
50-day SMA vs 200-day SMA	50over200
5Y total return	75.96%
All Time High	100.7
All Time High Change	-1.01%
All Time High Date	2026-05-06
All Time Low	2.66
All Time Low Change	3,652.64%
All Time Low Date	1988-12-23
ATR	3.04
Beta	0.94
Beta1y	0.62
Beta2y	0.82
Ch YTD	5.96
High	100.6
High52	100.7
High52 Date	2026-05-06
High52ch	-1.01%
Low	97.68
Low52	56.64
Low52 Date	2025-05-08
Low52ch	75.99%
Ma50ch	8.16%
Price vs 200-day SMA	15.81%
RSI	63.08
RSI Monthly	68.79
RSI Weekly	65.14
Sharpe ratio	2.15x
Sortino ratio	3.57
Total Return	1.26%
Tr YTD	6.35
Tr15y	378.37%
Tr1m	10.51%
Tr1w	3.53%
Tr3m	5.08%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	1
Analyst Count Top	1
Analyst Price Target Top	$100
Analyst Ratings	Strong Buy
Analyst Ratings Top	Strong Buy
Earnings EPS Estimate	$2.15
Earnings Revenue Estimate	1,461,241,600x
Earnings Revenue Estimate Growth	4.82x
Operating Income	$1.1B
Operating margin	17.39
Price target	$100
Price Target Change	$0.33
Price Target Change Top	$0.33

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	26,558,592%
Float Percent	47.95%
Net Borrowing	-1,016,000
Shares Insiders	52.04%
Shares Institutions	46.86%
Shares Out	55,388,627
Shares Qo Q	0%
Shares Yo Y	0.01%
Short Float	6.89%
Short Ratio	8.78
Short Shares	3.3

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$1.4B
Average Volume	220,218.5x
Bv Per Share	46.76
CAPEX	$-62.1M
Ch10y	91.75
Ch15y	144.4
Ch1m	10.51
Ch1w	3.53
Ch1y	74.92
Ch20y	73.28
Ch3m	4.71
Ch3y	237.6
Ch5y	49.5
Ch6m	19.24
Change	1.69%
Change From Open	0.82
Close	98.01
Days Gap	0.87
Dollar Volume	27,967,701
Earnings Date	2026-05-05
Earnings Time	amc
EBIT	$1.1B
EBITDA	$1.1B
EPS	$15.16
F Score	5
FCF	$1.4B
FCF EV Yield	29.84x
FCF Per Share	$25.63
Financing CF	-71,359,000
Fiscal Year End	December
Founded	1,961
Goodwill	42,796,000
Graham Number	126.30648
Graham Upside	26.72
Income Tax	$201.8M
Investing CF	-1,344,066,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-05-05
Last Report Date	2026-03-31
Last Split Date	1997-10-10
Last Split Type	Forward
Last10k Filing Date	2026-02-17
Lynch Fair Value	$94.47
Lynch Upside	-5.22
Ma150	89.32
Ma150ch	11.59%
Ma20	96.22
Ma20ch	3.59%
Net CF	66,093,000
Next Earnings Date	2026-07-28
Open	98.86
Optionable	Yes
P FCF Ratio	3.89
P OCF Ratio	3.73
Payment Date	2026-03-26
Position In Range	69.1
Ppne	163,007,000
Price Date	2026-05-08
Price EBITDA	$4.82
Ptbv Ratio	2.17
Relative Volume	1.27x
Revenue	6,135,698,000x
Tax By Revenue	3.29x
Tax Rate	19.37%
Tr20y	340.05%
Tr6m	20.09%
Us State	California
Volume	280,603

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

MCY dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+1.3%

$1.27 annual per share

Payout ratio

+8.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

-12.8%

0 consecutive years of growth

Total shareholder yield

+1.3%

Next ex-dividend date: 2026-06-11

Performance

MCY stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns MCY?

Insider, institutional, and short-interest positioning.

Institutional ownership

+46.9%

Float: +47.9% of shares outstanding

Insider ownership

+52.0%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

MCY momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

63.1

Neutral momentum band

Price vs 200-day MA

+15.8%

50/200-day relationship not available

Beta (5Y)

0.94

Moves roughly with the market

Sharpe ratio

2.15

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

MCY vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Reduce
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Reduce
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Reduce

Questions

About MCY

Hub-level FAQ points readers to the deeper analysis pages.

What is the current MCY stock rating?

Mercury General Corporation is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full MCY analysis?

The full report lives at /stocks/MCY/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for MCY?

The latest report frames MCY around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the MCY page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.