Price
No data yet.
Social Signal Score
Analyst Ratings
7 analystsRevenue
$1.68B+108.10%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Gabriel Tirador
- Sector
- Financial Services
- Industry
- Insurance - Property & Casualty
- Employees
- 4,380
- Beta
- 0.92
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 2.07
Financials
Revenue
$1.68B+108.1%Net Income
$263.50M+878.5%EBITDA
$355.77M+668.4%Free Cash Flow
$201.57M+94.0%EPS (diluted)
$4.76+871.4%Shares Outstanding (diluted)
55.39M+0.1%Operating Expenses
$0.00Cash & Debt
$2.07BReturn of Capital
$17.59MDividend per Share
$0.32Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $5.99B | $541.09M | $9.77 |
| 2024 | $5.48B | $467.95M | $8.45 |
| 2023 | $4.63B | $96.34M | $1.74 |
| 2022 | $3.64B | $-512.67M | $-9.26 |
| 2021 | $3.99B | $247.94M | $4.48 |
| 2020 | $3.78B | $374.61M | $6.77 |
| 2019 | $3.97B | $320.09M | $5.78 |
| 2018 | $3.38B | $-5.73M | $-0.10 |
| 2017 | $3.42B | $144.88M | $2.62 |
| 2016 | $3.23B | $73.04M | $1.32 |
| 2015 | $3.01B | $74.48M | $1.35 |
| 2014 | $3.01B | $177.95M | $3.23 |
| 2013 | $2.82B | $112.14M | $2.04 |
| 2012 | $2.78B | $116.91M | $2.13 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from MCY's reported EPS growth of 12.4% a year over 13 years.
- EPS in 5 years
- $17.53
- Implied price
- $175.26
- Return from $101.91
- 11.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $87.13 — -14.5% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 6 | 8 | 10 | 12 | 14 |
|---|---|---|---|---|---|
| 2.4% | -8.3% | -2.9% | 1.5% | 5.3% | 8.6% |
| 7.4% | -3.8% | 1.8% | 6.5% | 10.5% | 13.9% |
| 12.4% | 0.6% | 6.6% | 11.5% | 15.6% | 19.2% |
| 17.4% | 5.1% | 11.3% | 16.4% | 20.7% | 24.5% |
| 22.4% | 9.6% | 16.1% | 21.4% | 25.9% | 29.8% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
28-54.17%Social Signal Score
Mentions (13)
- Newsprnewswire.com·7d ago·Negative
How Small Apartment Habits Can Help Renters Avoid Big Insurance Claims Simple everyday steps can help renters reduce the risk of fire, water damage, theft and liability losses LOS ANGELES, Sept. 29, 2026 /PRNewswire/ -- Renters may not control the roof, plumbing system or electrical wiring in their apartment building, but what happens inside their unit can make a big difference.
View source ↗ - Newszacks.com·10d ago·Positive
MCY Outperforms Industry in a Year: Time to Buy the Stock for Solid Returns? Mercury General's stronger underwriting, rising investment income and expanded catastrophe protection support earnings and shareholder returns.
View source ↗ - Newszacks.com·24d ago·Neutral
Can MCY Sustain Policy Growth Amid Rising Auto Competition? Mercury General's rising policy base and premium growth position it to gain personal auto customers as competition intensifies and pricing moderates.
View source ↗ - Newszacks.com·24d ago·Positive
Is Mercury General (MCY) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
View source ↗ - News (RSS)latimes·31d ago·Positive
George Joseph, pioneering Mercury General founder, dies at 104 George Joseph, a Harvard math major who founded Mercury General and became a fierce opponent of Proposition 103, which regulates California's insurance industry, has died at the age of 104.
View source ↗ - Newszacks.com·32d ago·Neutral
Why Is Mercury General (MCY) Down 6.1% Since Last Earnings Report? Mercury General (MCY) reported earnings 30 days ago. What's next for the stock?
View source ↗ - Newsprnewswire.com·40d ago·Positive
Mercury Announces the Passing of Founder and Chairman George Joseph Mercury honors the legacy of its founder and longtime Chairman while reaffirming the continuity of the Joseph family ownership, the Company's leadership and its commitment to customers, agents, employees, and shareholders. LOS ANGELES, Aug. 26, 2026 /PRNewswire/ -- Mercury General Corporation (NYSE: MCY) (the "Company") today announced the passing of George Joseph, the Company's founder and longtime Chairman.
View source ↗ - Newszacks.com·46d ago·Positive
Best Value Stocks to Buy for August 21st MCY, SMCI and UNH made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 21st, 2026.
View source ↗ - News (RSS)seekingalpha·47d ago·Neutral
Mercury General: The Turnaround Is Over, Now Valuation Matters
View source ↗ - News (Marketaux)seekingalpha.com·47d ago·Neutral
Mercury General: The Turnaround Is Over, Now Valuation Matters (NYSE:MCY) In January 2022, I wrote an article abou[+137 characters]
View source ↗ - News (Marketaux)seekingalpha.com·47d ago·Neutral
Mercury General: Improving Underwriting Makes The Valuation Hard To Ignore (NYSE:MCY) Mercury General: Improving Underwriting Makes The Valuation Hard To Ignore (NYSE:MCY)
View source ↗ - Newszacks.com·53d ago·Positive
MCY Outperforms Industry in a Year: Time to Add it for Better Returns? Mercury General's premium growth, strong property and casualty performance and rising investment income support its expansion.
View source ↗ - Newsprnewswire.com·56d ago·Positive
Mercury Gives Oklahoma Homeowners More Ways to Save and Strengthen Their Homes Against Hail and Wildfire New enhanced homeowners insurance product offers an estimated average savings of $420 for hail-resistant roofing, an option to upgrade to a stronger roof after a covered loss, and new wildfire mitigation discounts LOS ANGELES, Aug. 11, 2026 /PRNewswire/ -- Mercury Insurance (NYSE: MCY ) has launched a new enhanced homeowners insurance product that gives Oklahoma homeowners more ways to low
View source ↗
Earnings
Tue, Nov 3(in 4 weeks)
Consensus estimate $3.43 per share
Typical surprise +43.0% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Aug 4$3.52 vs $2.53beat
- Tue, May 5$3.50 vs $2.15beat
- Tue, Feb 17$3.66 vs $2.56beat
- Tue, Nov 4$3.86 vs $2.15beat
- Tue, Jul 29$2.67 vs $2.00beat
- Tue, May 6$-2.29 vs $-4.00beat
Estimates and results for MCY via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by MCY officers and directors.
- Bought
- $1.1m
- Sold
- $836k
9 trades
3 trades
- Braunegg George Gwyerbought
- Joseph Victor Georgebought
- Zhang Ximeng Simonbought
- Ribisi Mark Allanbought
- Tirador Gabrielsold
- Sullivan Heidi C.sold
- Sullivan Heidi C.sold
- Little Joshua Ericbought
88 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in MCY.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.