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MCY stock logo

MCY

Mercury General Corporation

$102.8
1.01
 (0.99%)
Exchange:  NYSE
Market Cap:  5.694B
Shares Outstanding:  46.429M
Delayed data
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial ServicesView sector performance
Industry:  Insurance – Property & CasualtyView industry performance
   
CEO:  Gabriel Tirador
Full Time Employees:  4380
Address: 
4484 Wilshire Boulevard
Los Angeles
CA
90010
US
Website:  https://www.mercuryinsurance.com
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.

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Revenue Segmentation

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
MCMCY logoMCYMercury General Corporation5.7B6.17.834.0%
RLRLI logoRLIRLI Corp.5.6B11.721.18.8%
SISIGI logoSIGISelective Insurance Group, Inc.5.3B10.410.911.9%
HGHGTY logoHGTYHagerty, Inc.5.3B34.45102.4%
ARARX logoARXAccelerant Holdings4.3B—22.2-15.9%
PLPLMR logoPLMRPalomar Holdings, Inc.3.7B17.013.911.3%

EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/02/12 — 4 quarter 2024

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue4,629,6315,475,6335,992,468
Gross Profit403,253932,8612,029,437
EBITDA195,837679,137767,261
Operating Income99,428574,880663,649
Net Income96,336467,953541,094

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets7,103,3978,310,6329,560,669
Total Liabilities5,555,2526,364,1087,143,394
Total Stockholders Equity1,548,1451,946,5242,417,275
Total Debt587,960587,708574,527
Cash and Cash Equivalents550,903720,2571,315,574

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Cash Flow Statement

Year202320242025
Operating Cash Flow452,9881,037,1171,087,188
Capital Expenditure-36,810-46,138-58,431
Free Cash Flow416,178990,9791,028,757
Net Income96,336467,953541,094
Net Change in Cash261,127169,354595,317

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)7,066,000Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)7,066,000Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)7,066,000Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)828,842.498Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)828,842.498Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)828,842.498Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)637,095.367Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)637,095.367Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)637,095.367Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)0Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)0Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)0Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)11.500Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)11.500Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)11.500Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
5.476B  ?P/S
 (TTM)
: 
0.9
?Net Income
 (TTM)
: 
467.953M  ?P/E
 (TTM)
: 
6.07
?Enterprise Value
 (TTM)
: 
4.952B  ?EV/FCF
 (TTM)
: 
3.92
?Dividend Yield
 (TTM)
: 
1.24%  ?Payout Ratio
 (TTM)
: 
7.51%
?ROE
 (TTM)
: 
37.19%  ?ROIC
 (TTM)
: 
33.97%
?Net Debt
 (TTM)
: 
-130.028M  ?Debt/Equity
 (TTM)
: 
0.34
?P/B
 (TTM)
: 
2.01  ?Current Ratio
 (TTM)
: 
856.31

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
7.76Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MarketSnap estimates MCY intrinsic value between $288.89 – $328.95 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate MCY Intrinsic Value

Common questions about MCY valuation

Is Mercury General Corporation (MCY) overvalued or undervalued right now?

MarketSnap estimates intrinsic value for Mercury General Corporation (MCY) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is MCY a buy, hold, or sell for long-term investors?

MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether MCY trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is MCY’s P/E ratio?

You can see MCY’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for MCY?

MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is MCY a good long-term investment?

Whether MCY fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

Research tools for Mercury General Corporation

  • Mercury General Corporation intrinsic value calculatorEstimate what the business is worth
  • Mercury General Corporation 5-year outlookWhat has to go right, and what could go wrong
MCY

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.99
MarketSnap

Trading Metrics:

Open: 102.31   Previous Close: 101.79
Day Low: 101.74   Day High: 103.05
Year Low: 74.29   Year High: 113.06
Price Avg 50: 102.88   Price Avg 200: 97.96
Volume: 231253   Average Volume: 299964

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