Symbols / MCY Stock $98.15 +1.74% Mercury General Corporation

Financial Services • Insurance - Property & Casualty • United States • NYQ
MCY (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Gabriel Tirador
Exch · Country NYQ · United States
Market Cap 5.44B
Enterprise Value 4.28B
Income 541.09M
Sales 5.99B
FCF (ttm) 2.52B
Book/sh 43.64
Cash/sh 29.84
Employees 4,380
Insider 10d —
IPO Nov 20, 1985
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 13.00%
P/E 10.05
Forward P/E 12.27
PEG 1.11
P/S 0.91
P/B 2.25
P/C —
EV/EBITDA 5.60
EV/Sales 0.71
Quick Ratio 0.52
Current Ratio 0.56
Debt/Eq 24.32
LT Debt/Eq —
EPS (ttm) 9.77
EPS next Y 8.00
EPS Growth 100.90%
Revenue Growth 14.10%
EPS Gr Q/Q 100.40%
Rev Gr Q/Q —
Earnings (next) 2026-05-05
Earnings (prior) 2026-02-17
ROA 4.82%
ROE 24.80%
ROIC —
Gross Margin 18.63%
Oper. Margin 16.67%
Profit Margin 9.03%
Shs Outstand 55.39M
Shs Float 26.56M
Insider Own 52.03%
Instit Own 47.45%
Short Float 6.89%
Short Ratio 8.78
Short Interest 1.83M
52W High 100.06
vs 52W High -1.91%
52W Low 53.64
vs 52W Low 82.98%
Beta 0.93
Impl. Vol. 59.88%
Rel Volume 0.46
Avg Volume 277.61K
Volume 126.33K
Target (mean) $110.00
Tgt Median $110.00
Tgt Low $110.00
Tgt High $110.00
# Analysts 1
Recom None
Prev Close $96.47
Price $98.15
Change 1.74%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$110.00
Mean price target
2. Current target
$98.15
Latest analyst target
3. DCF / Fair value
$819.78
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$98.15
Low
$110.00
High
$110.00
Mean
$110.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-09-22 reit Raymond James Strong Buy → Strong Buy $100
2025-08-04 reit Raymond James Strong Buy → Strong Buy $90
2025-02-12 up Raymond James Outperform → Strong Buy $80
2023-07-07 down Raymond James Strong Buy → Outperform $33
2023-05-08 main Raymond James — → Strong Buy $40
2022-11-04 up Raymond James Underperform → Strong Buy $45
2020-04-03 down Raymond James Market Perform → Underperform —
2019-10-29 down Keefe, Bruyette & Woods Outperform → Market Perform —
2016-02-19 up Raymond James Underperform → Market Perform —
2015-02-11 down Keefe, Bruyette & Woods Market Perform → Underperform $50
2014-11-04 main Keefe, Bruyette & Woods — → Market Perform $50
2014-11-04 main Keefe, Bruyette & Woods — → Market Perform $50
2014-11-03 main Compass Point — → Neutral $50
2014-09-26 up Keefe, Bruyette & Woods Underperform → Market Perform $46
2014-08-28 init Compass Point — → Neutral $47
2013-03-07 down Macquarie Outperform → Neutral —
2013-01-17 up Macquarie Neutral → Outperform —
2013-01-09 up Stifel Sell → Hold —
News
RSS: Latest MCY news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-20 TIRADOR GABRIEL Chief Executive Officer — 4,348 — —
2026-02-20 GRAVES CHRISTOPHER W Chief Investment Officer — 979 — —
2026-02-20 STALICK THEODORE R Chief Financial Officer — 1,426 — —
2026-02-20 PETRO RANDALL R Officer — 689 — —
2026-02-20 JOSEPH VICTOR GEORGE President — 1,318 — —
2026-02-20 THOMPSON ERIK DAHL Officer — 535 — —
2026-02-20 SCHROEDER JEFFREY MICHAEL Officer — 811 — —
2026-02-20 BUTLER KELLY LYNN Officer — 649 — —
2026-02-20 GIBBS KATELYN MARIE Officer — 649 — —
2026-02-20 RIBISI MARK ALLAN Officer — 811 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
5,992.47
+9.44%
5,475.63
+18.27%
4,629.63
+27.08%
3,643.07
Operating Revenue
5,992.47
+9.44%
5,475.63
+18.27%
4,629.63
+27.08%
3,643.07
Other Operating Expenses
394.23
+20.50%
327.16
+16.99%
279.66
-0.02%
279.72
Total Expenses
5,328.82
+8.73%
4,900.75
+8.18%
4,530.20
+5.02%
4,313.78
Reconciled Depreciation
74.99
+2.12%
73.43
+1.65%
72.24
-12.32%
82.39
EBIT
692.27
+14.29%
605.70
+390.06%
123.60
+118.91%
-653.48
Net Income
541.09
+15.63%
467.95
+385.75%
96.34
+118.79%
-512.67
Pretax Income
663.65
+15.44%
574.88
+478.19%
99.43
+114.82%
-670.72
Net Non Operating Interest Income Expense
-28.62
+7.14%
-30.82
-27.54%
-24.17
-40.26%
-17.23
Interest Expense Non Operating
28.62
-7.14%
30.82
+27.54%
24.17
+40.26%
17.23
Net Interest Income
-28.62
+7.14%
-30.82
-27.54%
-24.17
-40.26%
-17.23
Interest Expense
28.62
-7.14%
30.82
+27.54%
24.17
+40.26%
17.23
Other Income Expense
26.79
-15.01%
31.52
+60.73%
19.61
+90.23%
10.31
Tax Provision
122.56
+14.62%
106.93
+3358.18%
3.09
+101.96%
-158.04
Tax Rate For Calcs
0.00
-0.54%
0.00
+500.00%
0.00
-86.84%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
541.09
+15.63%
467.95
+385.75%
96.34
+118.79%
-512.67
Net Income From Continuing Operation Net Minority Interest
541.09
+15.63%
467.95
+385.75%
96.34
+118.79%
-512.67
Net Income From Continuing And Discontinued Operation
541.09
+15.63%
467.95
+385.75%
96.34
+118.79%
-512.67
Net Income Continuous Operations
541.09
+15.63%
467.95
+385.75%
96.34
+118.79%
-512.67
Normalized Income
541.09
+15.63%
467.95
+385.75%
96.34
+118.79%
-512.67
Net Income Common Stockholders
541.09
+15.63%
467.95
+385.75%
96.34
+118.79%
-512.67
Diluted EPS
9.77
+15.62%
8.45
+385.63%
1.74
+118.79%
-9.26
Basic EPS
9.77
+15.62%
8.45
+385.63%
1.74
+118.79%
-9.26
Basic Average Shares
55.39
+0.03%
55.37
+0.00%
55.37
+0.00%
55.37
Diluted Average Shares
55.39
+0.02%
55.38
+0.01%
55.37
+0.00%
55.37
Diluted NI Availto Com Stockholders
541.09
+15.63%
467.95
+385.75%
96.34
+118.79%
-512.67
Loss Adjustment Expense
3,963.03
+7.56%
3,684.51
+4.74%
3,517.85
+4.63%
3,362.22
Net Policyholder Benefits And Claims
3,963.03
+7.56%
3,684.51
+4.74%
3,517.85
+4.63%
3,362.22
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
9,560.67
+15.04%
8,310.63
+17.00%
7,103.40
+9.05%
6,514.19
Cash Cash Equivalents And Short Term Investments
1,652.57
+64.59%
1,004.07
+37.66%
729.39
+76.73%
412.71
Cash And Cash Equivalents
1,315.57
+82.65%
720.26
+30.74%
550.90
+90.11%
289.78
Other Short Term Investments
336.99
+18.74%
283.82
+59.01%
178.49
+45.19%
122.94
Receivables
941.73
+20.50%
781.51
+17.81%
663.36
+0.74%
658.50
Accounts Receivable
855.23
+18.88%
719.39
+13.53%
633.67
+7.04%
592.00
Other Receivables
86.51
+39.26%
62.12
+142.62%
25.60
+125.42%
11.36
Taxes Receivable
—
0.00
-100.00%
4.08
-92.60%
55.14
Net PPE
159.00
+4.90%
151.58
-8.46%
165.59
-13.59%
191.62
Goodwill And Other Intangible Assets
49.62
-1.69%
50.48
-1.27%
51.13
-1.69%
52.01
Goodwill
42.80
+0.00%
42.80
+0.00%
42.80
+0.00%
42.80
Other Intangible Assets
6.83
-11.13%
7.68
-7.81%
8.33
-9.54%
9.21
Investments And Advances
6,580.03
+8.29%
6,076.37
+16.22%
5,228.52
+6.47%
4,910.80
Total Liabilities Net Minority Interest
7,143.39
+12.25%
6,364.11
+14.56%
5,555.25
+11.28%
4,992.06
Payables And Accrued Expenses
479.47
+9.34%
438.52
+150.27%
175.22
+15.51%
151.69
Payables
479.47
+9.34%
438.52
+150.27%
175.22
+15.51%
151.69
Accounts Payable
448.70
+7.41%
417.76
+138.42%
175.22
+15.51%
151.69
Total Tax Payable
30.77
+48.27%
20.75
0.00
—
Income Tax Payable
30.77
+48.27%
20.75
0.00
—
Long Term Debt And Capital Lease Obligation
586.86
-0.15%
587.71
-0.04%
587.96
+39.91%
420.25
Long Term Debt
574.53
+0.07%
574.13
+0.07%
573.73
+44.03%
398.33
Long Term Capital Lease Obligation
12.33
-9.22%
13.58
-4.57%
14.23
-35.09%
21.92
Non Current Deferred Liabilities
—
—
—
—
Non Current Deferred Taxes Liabilities
—
—
—
—
Stockholders Equity
2,417.28
+24.18%
1,946.52
+25.73%
1,548.14
+1.71%
1,522.13
Common Stock Equity
2,417.28
+24.18%
1,946.52
+25.73%
1,548.14
+1.71%
1,522.13
Capital Stock
99.70
+0.00%
99.70
+0.76%
98.95
+0.00%
98.95
Common Stock
99.70
+0.00%
99.70
+0.76%
98.95
+0.00%
98.95
Share Issued
55.39
0.00%
55.39
+0.03%
55.37
+0.00%
55.37
Ordinary Shares Number
55.39
0.00%
55.39
+0.03%
55.37
+0.00%
55.37
Retained Earnings
2,317.58
+25.49%
1,846.83
+27.44%
1,449.20
+1.83%
1,423.18
Total Equity Gross Minority Interest
2,417.28
+24.18%
1,946.52
+25.73%
1,548.14
+1.71%
1,522.13
Total Capitalization
2,991.80
+18.69%
2,520.65
+18.79%
2,121.87
+10.49%
1,920.46
Invested Capital
2,991.80
+18.69%
2,520.65
+18.79%
2,121.87
+10.49%
1,920.46
Total Debt
586.86
-0.15%
587.71
-0.04%
587.96
+39.91%
420.25
Net Debt
—
—
22.83
-78.97%
108.55
Capital Lease Obligations
12.33
-9.22%
13.58
-4.57%
14.23
-35.09%
21.92
Net Tangible Assets
2,367.65
+24.87%
1,896.05
+26.66%
1,497.02
+1.83%
1,470.12
Tangible Book Value
2,367.65
+24.87%
1,896.05
+26.66%
1,497.02
+1.83%
1,470.12
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
1,087.19
+4.83%
1,037.12
+128.94%
453.00
+28.48%
352.59
Cash Flow From Continuing Operating Activities
1,087.19
+4.83%
1,037.12
+128.94%
453.00
+28.48%
352.59
Net Income From Continuing Operations
541.09
+15.63%
467.95
+385.75%
96.34
+118.79%
-512.67
Depreciation And Amortization
74.99
+2.12%
73.43
+1.65%
72.24
-12.32%
82.39
Other Non Cash Items
10.00
+137.29%
-26.81
-25.81%
-21.31
-486.86%
-3.63
Stock Based Compensation
—
—
—
—
Operating Gains Losses
-134.06
-50.68%
-88.97
+16.77%
-106.89
-121.86%
489.01
Gain Loss On Investment Securities
-131.37
-74.52%
-75.28
+25.48%
-101.01
-120.70%
488.08
Gain Loss On Sale Of PPE
-2.69
+80.35%
-13.69
-132.88%
-5.88
-734.20%
0.93
Change In Working Capital
595.17
-4.76%
624.90
+51.44%
412.63
+38.70%
297.50
Change In Receivables
-135.84
-58.47%
-85.72
-105.72%
-41.67
-160.62%
68.73
Changes In Account Receivables
-135.84
-58.47%
-85.72
-105.72%
-41.67
-160.62%
68.73
Change In Payables And Accrued Expense
32.75
-52.96%
69.62
+132.77%
29.91
+288.77%
-15.84
Change In Other Working Capital
25.24
+110.44%
11.99
-80.32%
60.95
+146.35%
-131.50
Investing Cash Flow
-420.16
+47.26%
-796.66
-169.64%
-295.45
+6.62%
-316.38
Cash Flow From Continuing Investing Activities
-420.16
+47.26%
-796.66
-169.64%
-295.45
+6.62%
-316.38
Net PPE Purchase And Sale
-24.28
+27.38%
-33.43
-381.02%
-6.95
+80.43%
-35.51
Purchase Of PPE
-58.43
-26.64%
-46.14
-25.34%
-36.81
-3.67%
-35.51
Sale Of PPE
34.15
+168.77%
12.71
-57.44%
29.86
+995233.33%
0.00
Capital Expenditure
-58.43
-26.64%
-46.14
-25.34%
-36.81
-3.67%
-35.51
Net Investment Purchase And Sale
-404.07
+49.93%
-806.96
-207.48%
-262.44
+15.00%
-308.75
Purchase Of Investment
-3,822.91
-9.96%
-3,476.67
-58.77%
-2,189.69
+22.84%
-2,837.73
Sale Of Investment
3,418.84
+28.06%
2,669.70
+38.52%
1,927.25
-23.79%
2,528.98
Net Other Investing Changes
8.20
-81.26%
43.74
+267.85%
-26.06
-193.49%
27.87
Financing Cash Flow
-71.72
-0.86%
-71.11
-168.65%
103.58
+226.33%
-81.99
Cash Flow From Continuing Financing Activities
-71.72
-0.86%
-71.11
-168.65%
103.58
+226.33%
-81.99
Net Issuance Payments Of Debt
-1.37
+10.50%
-1.53
-100.88%
173.90
+640.12%
23.50
Issuance Of Debt
0.00
0.00
-100.00%
175.00
+600.00%
25.00
Repayment Of Debt
-1.37
+10.50%
-1.53
-39.11%
-1.10
+26.73%
-1.50
Long Term Debt Issuance
0.00
0.00
-100.00%
175.00
+600.00%
25.00
Long Term Debt Payments
-1.37
+10.50%
-1.53
-39.11%
-1.10
+26.73%
-1.50
Net Long Term Debt Issuance
-1.37
+10.50%
-1.53
-100.88%
173.90
+640.12%
23.50
Common Stock Dividend Paid
-70.34
-0.02%
-70.33
-0.01%
-70.32
+33.33%
-105.48
Cash Dividends Paid
-70.34
-0.02%
-70.33
-0.01%
-70.32
+33.33%
-105.48
Proceeds From Stock Option Exercised
0.00
-100.00%
0.75
0.00
0.00
Changes In Cash
595.32
+251.52%
169.35
-35.14%
261.13
+670.38%
-45.78
Beginning Cash Position
720.26
+30.74%
550.90
+90.11%
289.78
-13.64%
335.56
End Cash Position
1,315.57
+82.65%
720.26
+30.74%
550.90
+90.11%
289.78
Free Cash Flow
1,028.76
+3.81%
990.98
+138.11%
416.19
+31.26%
317.08
Interest Paid Supplemental Data
28.16
-6.37%
30.08
+30.77%
23.00
+38.01%
16.66
Income Tax Paid Supplemental Data
96.61
+6.16%
91.00
—
26.54
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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