Mercury Insurance/$MCY
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Mercury Insurance
Mercury General Corp is an insurance holding company. It is engaged in writing personal automobile insurance and provides related property and casualty insurance products. The company offers the following types of automobile coverage: collision, property damage, bodily injury (BI), comprehensive, personal injury protection (PIP), underinsured and uninsured motorist, and other hazards. Additionally, it offers the following types of homeowners coverage: dwelling, liability, personal property, and other coverages. The company has one reportable business segment, the Property and Casualty business segment.
- Ticker
- $MCY
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 4,380
- Headquarters
- Los Angeles, United States
- Website
- www.mercuryinsurance.com
MCY Metrics
BasicAdvanced
$5.7B
6.06
$16.91
0.92
$1.27
1.24%
Price and volume
Market cap
$5.7B
Beta
0.92
52-week high
$113.06
52-week low
$74.29
Average daily volume
282K
Dividend rate
$1.27
Financial strength
Current ratio
0.952
Quick ratio
0.915
Long term debt to equity
0.207
Total debt to equity
0.339
Dividend payout ratio (TTM)
7.51%
Interest coverage (TTM)
41.03%
Profitability
EBITDA (TTM)
1,268.858
Gross margin (TTM)
26.81%
Net profit margin (TTM)
14.78%
Operating margin (TTM)
18.75%
Effective tax rate (TTM)
19.39%
Revenue per employee (TTM)
$1,450,000
Management effectiveness
Return on assets (TTM)
7.57%
Return on equity (TTM)
38.99%
Valuation
Price to earnings (TTM)
6.055
Price to revenue (TTM)
0.895
Price to book
2
Price to tangible book (TTM)
2.04
Price to free cash flow (TTM)
4.489
Free cash flow yield (TTM)
22.28%
Free cash flow per share (TTM)
22.816
Dividend yield (TTM)
1.24%
Forward dividend yield
1.24%
Growth
Revenue change (TTM)
10.29%
Earnings per share change (TTM)
140.28%
3-year revenue growth (CAGR)
14.33%
10-year revenue growth (CAGR)
7.01%
3-year earnings per share growth (CAGR)
69.55%
10-year earnings per share growth (CAGR)
23.75%
10-year dividend per share growth (CAGR)
-6.46%
What the Analysts think about MCY
Analyst ratings (Buy, Hold, Sell) for Mercury Insurance stock.
Analyst projections of the future price of Mercury Insurance stock.
Bulls say / Bears say
Underwriting has recovered: the first-half combined ratio was 89.6%, while the accident-period ratio improved to 91.1% from 107.2% a year earlier. First-half net premiums earned also rose 11.3%, showing stronger margins alongside growth. (Mercury Insurance, Insurance Business)
Mercury is adding customers: auto and homeowners policies in force both increased in the first half of 2026. Its approved 6.9% California homeowners rate increase and state policy changes may support further premium growth. (Insurance Business, POLITICO)
Investment income is providing a larger earnings base: it rose 14% in the second quarter as average invested assets increased about 21%. That income can help support results beyond underwriting, although yields were lower than a year earlier. (Mercury Insurance)
The January 2025 Los Angeles wildfires are still producing adverse reserve development: Mercury added about $80 million of wildfire losses in the first half of 2026, mainly because partial-loss claims exceeded earlier estimates. Further claim development could continue to weigh on earnings. (SEC)
California wildfire exposure remains a structural risk, and Mercury is committing to write more policies in wildfire-distressed areas. Expanding that book could increase future catastrophe losses even as new rate rules allow insurers to use forward-looking catastrophe models. (POLITICO, Insurance Business)
Reported earnings benefited from unusually large realised investment gains, which can swing with markets and are less dependable than recurring underwriting profit. Meanwhile, the pre-tax investment yield fell to 4.5% from 4.7%, limiting the durability of that support. (Mercury Insurance)
Data summarised monthly by Lightyear AI. Last updated on 27 Oct 2026.
MCY Financial Performance
Revenues and expenses
MCY Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing MCY
AllUSDEURGBP
Fund name | Fund size | $MCY weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.15% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.15% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.09% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.09% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.05% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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