Mercury General Corporation (MCY)

NYSE: MCY · USD

$100

-2.51 (-2.5%)· Recorded snapshot

Market cap	5.5B
Revenue (ttm)	6.3B
Net income (ttm)	936.9M
EPS (ttm)	$16.9
Shares out	55.4M
P/E (trailing)	5.9x
P/E (forward)	8.4x
Dividend	$1.27 (1.27%)
Volume	101,310
Beta	0.91

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 6.3B
Net income (ttm): 936.9M
EPS (ttm): $16.9
P/E (trailing): 5.9x
P/E (forward): 8.4x
Market cap: 5.5B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	强力买入
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	强力买入
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	持有

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E8.4

P25 n/aP50 n/aP75 n/a

Trailing P/E5.9

P25 n/aP50 n/aP75 n/a

ROE39

P25 n/aP50 n/aP75 n/a

ROIC27.5

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All MCY indicators

Market & fundamental data

Available fields

264

Groups with data

Currency

USD

Showing 264 of 264 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0000064996
Company name	Mercury General Corporation
Country	United States
Country code	US
CUSIP number	589400100
Earnings date	2026-11-03
Earnings time	amc
Employees	4,380
Employees change	180
Employees growth	4.29%
Enterprise value	$4.8B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1961
In index	RUSSELL2000
Industry	Insurance - Property & Casualty
Is primary listing	Yes
Is SPAC	No
ISIN number	US5894001008
Last 10-K release date	2026-02-17
Last earnings date	2026-08-04
Last refreshed	2026-10-28
Last stock split date	1997-10-10
Last stock split type	Forward
Market cap	$5.5B
Market cap category	Mid-Cap
Next earnings date	2026-11-03
Options	Yes
Price	$100.07
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	MCY
U.S. state	California
Website	https://www.mercuryinsurance.com

Valuation

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

Metric	Value
Adjusted P/E ratio	6.88x
Average P/E ratio (10Y)	18.01x
Average P/E ratio (3Y)	10.08x
Average P/E ratio (5Y)	10.06x
Earnings yield	16.9%
EV/Earnings	5.23x
EV/EBIT	4.12x
EV/EBITDA	3.86x
EV/FCF	3.87x
EV/Sales	0.77x
FCF / EV yield	25.82%
FCF yield	22.43%
Forward EV/Sales	0.73x
Forward P/E	8.37x
Forward P/S	0.84x
Graham number	139.59268
Graham upside	37.23%
Industry forward P/E	12.53x
Industry P/E	10.09x
Lynch fair value	$224.98
Lynch upside	121.18%
P/B ratio	2x
P/E ratio	5.92x
P/FCF ratio	4.46x
P/OCF ratio	4.24x
P/S ratio	0.89x
Price / tangible book value	2.02x
Price/EBITDA ratio	4.44x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

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

Metric	Value
EBIT margin	18.75%
EBITDA margin	20.01%
Effective tax rate	19.39%
FCF margin	19.93%
Gross margin	26.81%
Operating margin	18.75%
Pretax margin	18.33%
Profit margin	14.78%
Profit per employee	$213,897
Profitable quarters	5
Profitable years	3
Revenue per employee	$1.4M
ROA	7.57%
ROA (5Y)	1.52%
ROCE	16.29%
ROE	38.99%
ROE (5Y)	8.35%
ROIC	27.47%
ROIC (5Y)	5.63%
Tax / revenue	3.55%

Growth

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

Metric	Value
EPS growth	140.28%
EPS growth (Q)	58.29%
EPS growth (QoQ)	38.38%
EPS growth 10Y	23.75%
EPS growth 5Y	13.3%
EPS growth quarters	5
EPS growth years	3
FCF growth	54.58%
FCF growth (Q)	-43.57%
FCF growth (QoQ)	-34.72%
FCF growth 3Y	77.61%
FCF growth 5Y	15.11%
Net income growth	140.18%
Net income growth (Q)	58.29%
Net income growth (QoQ)	38.38%
Net income growth 5Y	13.3%
Net income growth quarters	5
Net income growth years	3
OCF growth	52.72%
OCF growth (Q)	-41.42%
OCF growth (QoQ)	-33.14%
OCF growth 10Y	19.54%
OCF growth 3Y	71.53%
OCF growth 5Y	14.89%
Revenue growth	10.29%
Revenue growth (Q)	13.8%
Revenue growth (QoQ)	9.22%
Revenue growth 10Y	7.01%
Revenue growth 3Y	14.33%
Revenue growth 5Y	9.2%
Revenue growth quarters	6
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-63.9M
EBIT	$1.2B
EBITDA	$1.3B
EPS	$16.91
FCF per share	$22.82
Financing cash flow	$298.3M
Free cash flow	$1.3B
Gross profit	$1.7B
Income taxes	$225.3M
Investing cash flow	$-1B
Net borrowing	$368.6M
Net cash flow	$578.6M
Net income	$936.9M
Operating income	$1.2B
Revenue	$6.3B

Financial strength

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

Metric	Value
Book value per share	$51.20
Debt / EBITDA	0.75
Debt / equity	0.34
Debt / FCF	0.76
Goodwill	$42.8M
Interest coverage	41.03
Net cash (debt)	$738.7M
Net cash / market cap	13.11%
Net cash growth	38.83%
Net debt / EBITDA	-0.58
Net debt / equity	-0.26
Net debt / FCF	-0.58
Piotroski F-Score	5
Property, plant and equipment	$170.1M
Shareholders' equity	$2.8B
Tangible book value	$2.8B
Tangible book value per share	$50.31
Total assets	$10.5B
Total cash	$2.1B
Total debt	$962.1M
Total liabilities	$7.7B
WACC	8.24%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.65
Current ratio	0.95
Net working capital	$-1.5B
Quick ratio	0.91
Working capital	$-157.4M

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-0.01%
Dividend growth	0%
Dividend growth (10Y)	-6.47%
Dividend growth (3Y)	0%
Dividend growth (5Y)	-12.88%
Dividend growth years	0
Dividend payment date	2026-09-24
Dividend payment years	41
Dividend payout frequency	Quarterly
Dividend per share	$1.27
Dividend yield	1.27%
Ex-dividend date	2026-09-10
FCF payout ratio	5.57%
Last dividend	$0.32
Payout ratio	7.51%
Shareholder yield	1.24%

Performance and technicals

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

Metric	Value
10Y price change	96.65%
10Y return CAGR	11.23%
10Y total return	189.74%
150-day SMA	$101.52
15Y price change	123.12%
15Y return CAGR	10.15%
15Y total return	326.09%
1D price change	-2.45%
1M price change	0.89%
1M total return	0.89%
1W price change	-4.51%
1W total return	-4.51%
1Y price change	27.35%
1Y return CAGR	29.09%
1Y total return	29.07%
20-day SMA	$102.72
200-day SMA	$98.51
20Y price change	93.42%
20Y return CAGR	8.22%
20Y total return	385.38%
3M price change	-7.5%
3M total return	-7.21%
3Y price change	238.25%
3Y return CAGR	53.07%
3Y total return	258.75%
50-day SMA	$102.31
50-day SMA vs 200-day SMA	50over200
52-week high	$113.06
52-week high date	2026-07-07
52-week low	$74.29
52-week low date	2025-11-03
5Y price change	80.48%
5Y return CAGR	15.91%
5Y total return	109.21%
6M price change	2.18%
6M total return	2.82%
All-time high	$113.06
All-time high date	2026-07-07
All-time low	$2.66
All-time low date	1988-12-23
Average true range (ATR)	$2.39
Average volume	250K
Beta (1Y)	0.14
Beta (2Y)	0.86
Beta (5Y)	0.91
Change from 52-week high	-11.49%
Change from 52-week low	34.7%
Change from all-time high	-11.29%
Change from all-time low	3,675.98%
Change from open	-1.33%
Day's gap	-1.13%
Dollar volume	$10.1M
High price	$101.50
Low price	$99.94
Monthly RSI	64.52
Open price	$101.42
Position in 52-week range	8.33%
Previous close	$102.58
Price vs 150-day SMA	-1.21%
Price vs 20-day SMA	-2.36%
Price vs 200-day SMA	1.81%
Price vs 50-day SMA	-1.98%
Relative volume	0.41
RSI	42.68
Sharpe ratio	0.97
Sharpe ratio (3Y)	1.29
Sharpe ratio (5Y)	0.49
Sortino ratio	1.62
Sortino ratio (3Y)	2.18
Sortino ratio (5Y)	0.9
Volume	101.3K
Weekly RSI	49.31
YTD price change	6.62%
YTD total return	7.68%

Ownership and float

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

Metric	Value
Float	26.6M
Float percentage	47.94%
Shares change (QoQ)	0%
Shares change (YoY)	0.01%
Shares held by insiders	52.04%
Shares held by institutions	47.66%
Shares outstanding	55.4M
Short % of float	5.53%
Short % of shares	2.65%
Short ratio	4.6 days

Deeper analysis on MCY

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this MCY report

Is a complete MCY research report available?

No complete published report is available for Mercury General Corporation (MCY) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Mercury General Corporation (MCY)

Price

Financial snapshot

Fair-value bridge

Latest news · MCY

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All MCY indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on MCY

Frequently asked questions