MCY logo

MERCURY GENERAL CORP

MCYNYSE
🏆 #1254 by market capEarnings Nov 2US Equity
$291.52▼ $22.77 (−7.81%)
Simulated price
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🏦Market Cap
$5.49B
Small Cap
📈Revenue Growth (YoY)
+9.4%
Slowing
📊Gross Margin
44.8%
Healthy
💵FCF Margin
19.9%
Healthy
⚖️P/S Ratio
0.9x
Cheap
Otter Score
92
Very Good
No chart data available for MCY.

Trading Snapshot

Day Range
$286.97 – $294.83
52-Week Range
$74.29 – $113.06
Volume
$1.92B
Avg Volume
$1.84B
Shares Outstanding
55.4M
Next Earnings
Nov 11, 2026

Fundamentals Snapshot

Annual Revenue
$5.99B
Last Q Revenue
$1.68B
P/E Ratio
5.9
P/S Ratio
0.9x
EPS (TTM)
$16.91
Dividend Yield
1.28%
Dilution (1yr)
+0.0%

Why Investors Own MCY

  • ✓High-growth profile — revenue up +50.4% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 75% gross margin and 21% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

MCY logo

MERCURY GENERAL CORP

MCY
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$6.0B▲ +9.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
33.9%▲ +98.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$664M▲ +15.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$1.0B▲ +3.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
55.4M▲ +0.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$729M▲ +$596M YoY
StockOtter · stockotter.space

About MERCURY GENERAL CORP

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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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Very Good
92/100

Analyst Price Target

ⓘ
Average Target
$362.41
▲ +24.3% Upside
High Target$435.81
Low Target$313.77
Based on 40 analysts

Latest News & Updates

🚀
Barron’s·2h ago

MERCURY GENERAL CORP tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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CNBC·5h ago

Analysts lift MCY price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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MarketWatch·1d ago

MERCURY GENERAL CORP announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.