Mercury Insurance/$MCY

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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. The Company offers the following types of homeowners coverage: dwelling, liability, personal property, and other coverages.

Ticker

$MCY
Sector

Primary listing

NYSE

Employees

4,200

MCY Metrics

BasicAdvanced
$4.8B
12.35
$7.04
1.00
$1.27
1.46%

What the Analysts think about MCY

Analyst ratings (Buy, Hold, Sell) for Mercury Insurance stock.

Bulls say / Bears say

Q2 2025 combined ratio improved to 92.5% from 98.9% in Q2 2024, a 640-basis point improvement driven by successful subrogation and reinsurance recoveries, signaling enhanced underwriting discipline (Reinsurance News)
Q2 2025 net income surged 166.1% to $166.5 million on strong premium growth and favorable reserve development, demonstrating significant operating leverage (PRNewswire)
Q2 2025 net investment income before tax increased 14.2% year-over-year to $78.8 million, benefiting from higher average yields and a larger invested asset base (TradingView)
Q1 2025 combined ratio soared to 119.2%, resulting in a net loss of $108.3 million, highlighting volatility from wildfire-related catastrophe claims (PRNewswire)
H1 2025 catastrophe losses net of reinsurance jumped to $460 million from $197 million in H1 2024, showing ongoing exposure to severe wildfire events in its core California market (Insurance Business)
Q2 2025 expense ratio climbed to 23.7% from 23.1% a year earlier, indicating higher policy acquisition and operating expenses that could pressure underwriting margins (Sharewise)
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 2025.

MCY Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

MCY Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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