(MCY) Mercury General - Overview
Sector: Financial ServicesIndustry: Insurance - Property & Casualty | Exchange NYSE (USA) | Currency USD | Market Cap: 4.907m | Total Return 58.5% in 12m
Stock: Auto Insurance, Home Insurance, Other Insurance
Total Rating 80
Risk 88
Buy Signal 0.50
| Risk 5d forecast | |
|---|---|
| Volatility | 28.5% |
| Relative Tail Risk | -6.88% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.59 |
| Alpha | 51.25 |
| Character TTM | |
|---|---|
| Beta | 0.332 |
| Beta Downside | -0.038 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.99% |
| CAGR/Max DD | 1.13 |
EPS (Earnings per Share)
Revenue
Description: MCY Mercury General March 04, 2026
Mercury General Corporation (MCY) primarily underwrites personal automobile insurance in the United States. This segment is a major component of the property and casualty insurance sector.
The company also offers homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance. Diversification across these product lines is common for insurers to mitigate risk.
MCY distributes its policies through independent agents, insurance agencies, and direct online sales. This hybrid distribution model allows for broad market reach across its operational states, which include California, Texas, and Florida, among others.
Further analysis on ValueRay can provide deeper insights into MCYs financial performance and market position.
Headlines to watch out for
- California auto insurance rate approvals impact revenue
- Catastrophic weather events increase claims costs
- Investment portfolio performance affects profitability
- Independent agent network drives policy sales
- Regulatory changes in key states alter operating environment
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 541.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.11 > 0.02 and ΔFCF/TA -1.16 > 1.0 |
| NWC/Revenue: 33.88% < 20% (prev 25.39%; Δ 8.49% < -1%) |
| CFO/TA 0.11 > 3% & CFO 1.09b > Net Income 541.1m |
| Net Debt (-728.7m) to EBITDA (767.3m): -0.95 < 3 |
| Current Ratio: 66.98 > 1.5 & < 3 |
| Outstanding Shares: last quarter (55.4m) vs 12m ago 0.01% < -2% |
| Gross Margin: 33.87% > 18% (prev 0.17%; Δ 3.37k% > 0.5%) |
| Asset Turnover: 67.06% > 50% (prev 65.89%; Δ 1.18% > 0%) |
| Interest Coverage Ratio: 24.19 > 6 (EBITDA TTM 767.3m / Interest Expense TTM 28.6m) |
Altman Z'' 3.06
| A: 0.21 (Total Current Assets 2.06b - Total Current Liabilities 30.8m) / Total Assets 9.56b |
| B: 0.24 (Retained Earnings 2.32b / Total Assets 9.56b) |
| C: 0.08 (EBIT TTM 692.3m / Avg Total Assets 8.94b) |
| D: 0.34 (Book Value of Equity 2.42b / Total Liabilities 7.14b) |
| Altman-Z'' Score: 3.06 = A |
Beneish M -3.61
| DSRI: 0.87 (Receivables 745.6m/781.5m, Revenue 5.99b/5.48b) |
| GMI: 0.50 (GM 33.87% / 17.04%) |
| AQI: 0.94 (AQ_t 0.77 / AQ_t-1 0.81) |
| SGI: 1.09 (Revenue 5.99b / 5.48b) |
| TATA: -0.06 (NI 541.1m - CFO 1.09b) / TA 9.56b) |
| Beneish M-Score: -3.61 (Cap -4..+1) = AAA |
What is the price of MCY shares?
As of March 27, 2026, the stock is trading at USD 88.37 with a total of 145,918 shares traded.
Over the past week, the price has changed by +0.47%, over one month by -1.29%, over three months by -5.60% and over the past year by +58.53%.
Over the past week, the price has changed by +0.47%, over one month by -1.29%, over three months by -5.60% and over the past year by +58.53%.
Is MCY a buy, sell or hold?
Mercury General has received a consensus analysts rating of 5.00.
Therefore, it is recommended to buy MCY.
- StrongBuy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the MCY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 110 | 24.5% |
| Analysts Target Price | 110 | 24.5% |
MCY Fundamental Data Overview March 25, 2026
P/E Trailing = 9.0686
P/E Forward = 19.7628
P/S = 0.8193
P/B = 1.9896
P/EG = 1.1149
Revenue TTM = 5.99b USD
EBIT TTM = 692.3m USD
EBITDA TTM = 767.3m USD
Long Term Debt = 574.5m USD (from longTermDebt, last quarter)
Short Term Debt = 6.77m USD (from shortTermDebt, last quarter)
Debt = 586.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -728.7m USD (from netDebt column, last quarter)
Enterprise Value = 4.18b USD (4.91b + Debt 586.9m - CCE 1.32b)
Interest Coverage Ratio = 24.19 (Ebit TTM 692.3m / Interest Expense TTM 28.6m)
EV/FCF = 4.06x (Enterprise Value 4.18b / FCF TTM 1.03b)
FCF Yield = 24.62% (FCF TTM 1.03b / Enterprise Value 4.18b)
FCF Margin = 17.17% (FCF TTM 1.03b / Revenue TTM 5.99b)
Net Margin = 9.03% (Net Income TTM 541.1m / Revenue TTM 5.99b)
Gross Margin = 33.87% ((Revenue TTM 5.99b - Cost of Revenue TTM 3.96b) / Revenue TTM)
Gross Margin QoQ = 85.24% (prev 29.40%)
Tobins Q-Ratio = 0.44 (Enterprise Value 4.18b / Total Assets 9.56b)
Interest Expense / Debt = 1.20% (Interest Expense 7.06m / Debt 586.9m)
Taxrate = 18.62% (46.3m / 248.9m)
NOPAT = 563.4m (EBIT 692.3m * (1 - 18.62%))
Current Ratio = 66.98 (Total Current Assets 2.06b / Total Current Liabilities 30.8m)
Debt / Equity = 0.24 (Debt 586.9m / totalStockholderEquity, last quarter 2.42b)
Debt / EBITDA = -0.95 (Net Debt -728.7m / EBITDA 767.3m)
Debt / FCF = -0.71 (Net Debt -728.7m / FCF TTM 1.03b)
Total Stockholder Equity = 2.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.06% (Net Income 541.1m / Total Assets 9.56b)
RoE = 25.65% (Net Income TTM 541.1m / Total Stockholder Equity 2.11b)
RoCE = 25.79% (EBIT 692.3m / Capital Employed (Equity 2.11b + L.T.Debt 574.5m))
RoIC = 20.99% (NOPAT 563.4m / Invested Capital 2.68b)
WACC = 6.49% (E(4.91b)/V(5.49b) * Re(7.15%) + D(586.9m)/V(5.49b) * Rd(1.20%) * (1-Tc(0.19)))
Discount Rate = 7.15% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: 100.0 | Cagr: 0.02%
[DCF] Terminal Value 85.53% ; FCFF base≈1.01b ; Y1≈1.14b ; Y5≈1.52b
[DCF] Fair Price = 704.6 (EV 38.30b - Net Debt -728.7m = Equity 39.03b / Shares 55.4m; r=6.49% [WACC]; 5y FCF grow 14.18% → 3.0% )
EPS Correlation: 65.25 | EPS CAGR: 41.59% | SUE: 1.82 | # QB: 6
Revenue Correlation: 91.98 | Revenue CAGR: 18.78% | SUE: 3.60 | # QB: 2
EPS next Quarter (2026-06-30): EPS=1.35 | Chg7d=+0.050 | Chg30d=+0.050 | Revisions Net=+1 | Analysts=1
EPS current Year (2026-12-31): EPS=9.00 | Chg7d=+0.600 | Chg30d=+0.600 | Revisions Net=+1 | Growth EPS=+13.9% | Growth Revenue=+6.0%
EPS next Year (2027-12-31): EPS=8.00 | Chg7d=+0.250 | Chg30d=+0.250 | Revisions Net=+1 | Growth EPS=-11.1% | Growth Revenue=+5.3%
P/E Forward = 19.7628
P/S = 0.8193
P/B = 1.9896
P/EG = 1.1149
Revenue TTM = 5.99b USD
EBIT TTM = 692.3m USD
EBITDA TTM = 767.3m USD
Long Term Debt = 574.5m USD (from longTermDebt, last quarter)
Short Term Debt = 6.77m USD (from shortTermDebt, last quarter)
Debt = 586.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -728.7m USD (from netDebt column, last quarter)
Enterprise Value = 4.18b USD (4.91b + Debt 586.9m - CCE 1.32b)
Interest Coverage Ratio = 24.19 (Ebit TTM 692.3m / Interest Expense TTM 28.6m)
EV/FCF = 4.06x (Enterprise Value 4.18b / FCF TTM 1.03b)
FCF Yield = 24.62% (FCF TTM 1.03b / Enterprise Value 4.18b)
FCF Margin = 17.17% (FCF TTM 1.03b / Revenue TTM 5.99b)
Net Margin = 9.03% (Net Income TTM 541.1m / Revenue TTM 5.99b)
Gross Margin = 33.87% ((Revenue TTM 5.99b - Cost of Revenue TTM 3.96b) / Revenue TTM)
Gross Margin QoQ = 85.24% (prev 29.40%)
Tobins Q-Ratio = 0.44 (Enterprise Value 4.18b / Total Assets 9.56b)
Interest Expense / Debt = 1.20% (Interest Expense 7.06m / Debt 586.9m)
Taxrate = 18.62% (46.3m / 248.9m)
NOPAT = 563.4m (EBIT 692.3m * (1 - 18.62%))
Current Ratio = 66.98 (Total Current Assets 2.06b / Total Current Liabilities 30.8m)
Debt / Equity = 0.24 (Debt 586.9m / totalStockholderEquity, last quarter 2.42b)
Debt / EBITDA = -0.95 (Net Debt -728.7m / EBITDA 767.3m)
Debt / FCF = -0.71 (Net Debt -728.7m / FCF TTM 1.03b)
Total Stockholder Equity = 2.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.06% (Net Income 541.1m / Total Assets 9.56b)
RoE = 25.65% (Net Income TTM 541.1m / Total Stockholder Equity 2.11b)
RoCE = 25.79% (EBIT 692.3m / Capital Employed (Equity 2.11b + L.T.Debt 574.5m))
RoIC = 20.99% (NOPAT 563.4m / Invested Capital 2.68b)
WACC = 6.49% (E(4.91b)/V(5.49b) * Re(7.15%) + D(586.9m)/V(5.49b) * Rd(1.20%) * (1-Tc(0.19)))
Discount Rate = 7.15% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: 100.0 | Cagr: 0.02%
[DCF] Terminal Value 85.53% ; FCFF base≈1.01b ; Y1≈1.14b ; Y5≈1.52b
[DCF] Fair Price = 704.6 (EV 38.30b - Net Debt -728.7m = Equity 39.03b / Shares 55.4m; r=6.49% [WACC]; 5y FCF grow 14.18% → 3.0% )
EPS Correlation: 65.25 | EPS CAGR: 41.59% | SUE: 1.82 | # QB: 6
Revenue Correlation: 91.98 | Revenue CAGR: 18.78% | SUE: 3.60 | # QB: 2
EPS next Quarter (2026-06-30): EPS=1.35 | Chg7d=+0.050 | Chg30d=+0.050 | Revisions Net=+1 | Analysts=1
EPS current Year (2026-12-31): EPS=9.00 | Chg7d=+0.600 | Chg30d=+0.600 | Revisions Net=+1 | Growth EPS=+13.9% | Growth Revenue=+6.0%
EPS next Year (2027-12-31): EPS=8.00 | Chg7d=+0.250 | Chg30d=+0.250 | Revisions Net=+1 | Growth EPS=-11.1% | Growth Revenue=+5.3%