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Mercury General Corporation logo

Mercury General Corporation

MCY

NYSEFinancial ServicesInsurance - Property & Casualty

Open in GoAI

Regular session

$106.42

+$0.715 · +0.68%

Aug 24, 10:10 AM ET

MCY company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

84

Deep Value

Momentum

59

Neutral

Sentiment

55

Mixed

Risk resilience

76

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US
CEO
Gabriel Tirador
Listed since
Nov 20, 1985
Employees
4,380

Market position

Day range

Current $106.42

52-week range

Current $106.42

Open
$105.93
Previous close
$105.7
Volume
16.83K
0.06× average
Average volume
276.47K
Average daily volume
Market cap
5.89B USD
Beta
0.93
Market reference 1
50-day average
$106.41
+0.01% above average
200-day average
$95.7428
+11.15% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
4.48B USD
P/E (TTM)
6.29×
P/B (TTM)
2.08×
P/S (TTM)
0.93×
EV / EBITDA
5.84×
Earnings yield
10.39%
Free cash flow yield
19.75%
Dividend yield
1.19%

Profitability & efficiency

Gross margin
44.78%
Operating margin
18.32%
Net margin
14.77%
Return on equity
22.38%
Return on assets
5.66%
Return on invested capital
16.95%

Financial health

Debt / equity
0.34×
Current ratio
0.42×
Altman Z-score
2.08
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends39%18%-3%-24%Gross margin, FY2021: 15.02%Gross margin, FY2022: -10.26%Gross margin, FY2023: 8.71%Gross margin, FY2024: 17.04%Gross margin, FY2025: 33.87%Operating margin, FY2021: 7.50%Operating margin, FY2022: -18.41%Operating margin, FY2023: 2.15%Operating margin, FY2024: 10.50%Operating margin, FY2025: 11.07%Net margin, FY2021: 6.21%Net margin, FY2022: -14.07%Net margin, FY2023: 2.08%Net margin, FY2024: 8.55%Net margin, FY2025: 9.03%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 15.02%. Gross margin FY2022 -10.26%. Gross margin FY2023 8.71%. Gross margin FY2024 17.04%. Gross margin FY2025 33.87%. Operating margin FY2021 7.50%. Operating margin FY2022 -18.41%. Operating margin FY2023 2.15%. Operating margin FY2024 10.50%. Operating margin FY2025 11.07%. Net margin FY2021 6.21%. Net margin FY2022 -14.07%. Net margin FY2023 2.08%. Net margin FY2024 8.55%. Net margin FY2025 9.03%.

Income trends

Revenue

5.99B USD+9.44%

Operating income

663.65M USD+15.44%

Net income

541.09M USD+15.63%
Income trends across reported periods6.66B USD3.99B USD1.33B USD−1.34B USDRevenue, FY2021: 3.99B USDRevenue, FY2022: 3.64B USDRevenue, FY2023: 4.63B USDRevenue, FY2024: 5.48B USDRevenue, FY2025: 5.99B USDOperating income, FY2021: 299.31M USDOperating income, FY2022: −670.72M USDOperating income, FY2023: 99.43M USDOperating income, FY2024: 574.88M USDOperating income, FY2025: 663.65M USDNet income, FY2021: 247.94M USDNet income, FY2022: −512.67M USDNet income, FY2023: 96.34M USDNet income, FY2024: 467.95M USDNet income, FY2025: 541.09M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 3.99B USD. Revenue FY2022 3.64B USD. Revenue FY2023 4.63B USD. Revenue FY2024 5.48B USD. Revenue FY2025 5.99B USD. Operating income FY2021 299.31M USD. Operating income FY2022 −670.72M USD. Operating income FY2023 99.43M USD. Operating income FY2024 574.88M USD. Operating income FY2025 663.65M USD. Net income FY2021 247.94M USD. Net income FY2022 −512.67M USD. Net income FY2023 96.34M USD. Net income FY2024 467.95M USD. Net income FY2025 541.09M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue5.99B USD5.48B USD4.63B USD3.64B USD3.99B USD
Cost of goods sold3.96B USD4.54B USD4.23B USD4.02B USD3.39B USD
Gross profit2.03B USD932.86M USD403.25M USD−373.77M USD599.82M USD
Operating expenses1.37B USD357.98M USD303.83M USD296.95M USD300.51M USD
Interest expense28.62M USD30.82M USD24.17M USD17.23M USD17.11M USD
Depreciation and amortization74.99M USD73.43M USD72.24M USD82.39M USD79.06M USD
Operating income663.65M USD574.88M USD99.43M USD−670.72M USD299.31M USD
Net income541.09M USD467.95M USD96.34M USD−512.67M USD247.94M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
11 beats, 0 misses, 0 met estimates
Average EPS surprise
+283.74%
11 comparable reports
Latest EPS result
3.52
Estimate 2.53 · Beat by 39.13%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates4.491.45-1.59-4.63Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 11, 2025: actual 2.78, estimate 1.94, surprise +43.30%, Beat. Q2 2025, reported May 6, 2025: actual -2.29, estimate -4, surprise +42.75%, Beat. Q3 2025, reported Jul 29, 2025: actual 2.67, estimate 2, surprise +33.50%, Beat. Q4 2025, reported Nov 4, 2025: actual 3.86, estimate 2.15, surprise +79.53%, Beat. Q1 2026, reported Feb 17, 2026: actual 3.66, estimate 2.56, surprise +42.97%, Beat. Q2 2026, reported May 5, 2026: actual 3.5, estimate 2.15, surprise +62.79%, Beat. Q3 2026, reported Aug 4, 2026: actual 3.52, estimate 2.53, surprise +39.13%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 3.35, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates1.68B1.55B1.43B1.3BQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 11, 2025: actual 1.37B USD, estimate 1.4B USD, surprise -2.43%, Miss. Q2 2025, reported May 6, 2025: actual 1.39B USD, estimate 1.4B USD, surprise -0.70%, Miss. Q3 2025, reported Jul 29, 2025: actual 1.48B USD, estimate 1.53B USD, surprise -3.44%, Miss. Q4 2025, reported Nov 4, 2025: actual 1.58B USD, estimate 1.37B USD, surprise +15.32%, Beat. Q1 2026, reported Feb 17, 2026: actual 1.43B USD, estimate 1.37B USD, surprise +3.89%, Beat. Q2 2026, reported May 5, 2026: actual 1.55B USD, estimate 1.46B USD, surprise +6.06%, Beat. Q3 2026, reported Aug 4, 2026: actual 1.56B USD, estimate 1.52B USD, surprise +2.27%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 1.62B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$90.00

15.43% downside
Past 12 months12-month forecastHigh $90.00Average $90.00Low $90.00

Rating distribution

7 ratings
Strong buy114%
Buy00%
Hold571%
Sell114%
Strong sell00%

Recent analyst actions

1 institution

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.27

2025 complete year-49.9% since 2021

2026 partial: $0.635

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 10, 2026

$0.3175

Quarterly

Record Sep 10, 2026 · Payment Sep 24, 2026

Dividend

Ex-dividend Jun 11, 2026

$0.3175

Quarterly

Record Jun 11, 2026 · Payment Jun 25, 2026

Dividend

Ex-dividend Mar 12, 2026

$0.3175

Quarterly

Record Mar 12, 2026 · Payment Mar 26, 2026

Dividend

Ex-dividend Dec 10, 2025

$0.3175

Quarterly

Record Dec 10, 2025 · Payment Dec 24, 2025

Dividend

Ex-dividend Sep 11, 2025

$0.3175

Quarterly

Record Sep 11, 2025 · Payment Sep 25, 2025

Dividend

Ex-dividend Jun 12, 2025

$0.3175

Quarterly

Record Jun 12, 2025 · Payment Jun 26, 2025

MCY peers

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BRK-A

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$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

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$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

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Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding MCY

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
172.31M
Weight
0.15%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.04-0.18%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
94.49M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$376.83-0.37%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
86.6M
Weight
0.28%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.04%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
75.76M
Weight
0.09%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$298.39-0.52%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
68.23M
Weight
0.04%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$303.44-0.43%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
43.32M
Weight
0.06%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.37+0.08%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
37.81M
Weight
0.26%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.76+0.13%
Invesco S&P SmallCap Momentum ETF logoInvesco S&P SmallCap Momentum ETFXSMO
Market value
37.25M
Weight
1.23%
AUM
3.04B USD
Expense ratio
0.36%
Price / 1D
$85.425-0.72%

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