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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 Framework: Insurance & Reinsurance Mid Cap
Mercury General Corporation (MCY), is a Mid Cap company, in the Insurance - Property & Casualty industry, last closed at $100.93, about 58.7% overvalued vs fair value, +56.5% 1Y return, ranked 344/1037 in sector.
Metrics Rev Growth 9.4% ROE 24.8% Gross Margin 33.9% Div Yield 1.35%
USD 100.93
1.81%
(Delayed)
• Vol 90d: 30.2%
52-Week Range
Market Cap
$5.49B
Enterprise Value
$4.77B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Mar 8
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 Jun 25
Earnings Aug 4 Estimated

Fair Value Snapshot

Bear Base Bull
$23
$42
$78
Current: $100.93 -59% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$6.0B
9.4%%
Claims & Losses
$-4.0B
-12.8%%
Acquisition & Admin Expenses
$-14.8M
Underwriting Result
$663.6M
15.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
66.1%
Fair

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$70.3M
13.0% 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 Insurance & Reinsurance

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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Underwriting Discipline

Developing
37
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing MCY's balance between Growth (37.7%), Profitability (35.1%), and Safety (27.2%). Growth 38% Safety 27% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

73th percentile vs peers
74
Key Signals
Rev Growth YoY 9.4% 55p Revenue CAGR 3Y 18.0% 75p Equity Growth YoY 25.7% 85p EPS Growth YoY 3.86 94p Asset Growth YoY 15.0% 86p
Strengths
  • Equity Growth YoY in top 20% of peers (25.7%, 85th percentile)
  • EPS Growth YoY in top 20% of peers (3.86, 94th percentile)
  • ROE in top 20% of peers (24.8%, 89th percentile)
  • ROA in top 20% of peers (6.1%, 80th percentile)
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

68th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
53
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
- - -
-58.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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