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Company Analysis

Mercury General Corporation MCY

A comprehensive view of key metrics, scores, and financial health for Mercury General Corporation

Overview of Mercury General Corporation

MCY NYQ
Financial Services Insurance - Property & Casualty Mid Cap
Mercury General Corporation (MCY), is a Mid Cap company, in the Insurance - Property & Casualty industry, last closed at $88.96, about 53.1% overvalued vs fair value, +55.5% 1Y return, ranked 351/1004 in sector.
$88.96
1.58%
As of March 13, 2026
Previous close • Vol 90d: 28.8%
52-Week Range
Market Cap
$4.93B
Enterprise Value
$4.21B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.mercuryinsurance.c...
HQ Los Angeles, CA
Employees 4,380
Fiscal year Dec 31

Next Events

Dividend Mar 26
Earnings May 11 Estimated

Fair Value Snapshot

Bear Base Bull
$23
$42
$78
Current: $88.96 -53% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$28.6M
-7.1%%
Interest Expense
$28.6M
Net Interest Income
$-28.6M
7.1%%
Total Revenue
$6.0B
9.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
24.0%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$70.3M
15.0% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Mercury General Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
50
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
31
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing MCY's balance between Growth (35.3%), Profitability (27.7%), and Safety (37.0%). Growth 35% Safety 37% Profitability 28%

Click axes to expand details. Marker shows current allocation.

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Growth

66th percentile vs peers
67
Key Signals
EPS Growth YoY 3.86 92p Revenue CAGR 3Y 18.0% 73p Rev Growth YoY 9.4% 48p EPS CAGR 3Y 23.6% 57p TSR 43.4% 64p
Strengths
  • Eps Growth Yoy in top 20% of peers (3.86, 92th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (100%)
  • Roic in top 20% of peers (19.5%, 84th percentile)
Risks

No significant risks identified for this axis.

Profitability

52th percentile vs peers
52
Key Signals
Strengths
Risks
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Safety

69th percentile vs peers
70
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Mercury General Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$41.72
- - -
-53.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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