Mercury Insurance/$MCY
1D1W1MYTD1Y5YMAX
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
0.93
$1.27
1.24%
Price and volume
Market cap
$5.7B
Beta
0.93
52-week high
$113.06
52-week low
$74.29
Average daily volume
289K
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)
6.061
Price to revenue (TTM)
0.896
Price to book
2
Price to tangible book (TTM)
2.04
Price to free cash flow (TTM)
4.493
Free cash flow yield (TTM)
22.26%
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
Net premiums earned climbed 9.6 % year-over-year to USD 1.5 billion in Q2, reflecting robust top-line growth in Mercury’s core auto and homeowners segments (Reuters).
The GAAP combined ratio improved by 2.6 points to 89.9 % in Q2, signaling enhanced underwriting profitability and disciplined risk selection (Reuters).
Fitch Ratings revised its outlook to positive from stable on Mercury’s A-minus financial strength rating, citing stronger retained earnings and improved capitalization—statutory surplus rose to USD 2.8 billion at mid-2026 from USD 1.7 billion at end-2023 (Reuters).
Catastrophe losses net of reinsurance surged to USD 75 million in Q2, up from USD 13 million a year ago, underscoring Mercury’s exposure to severe weather event volatility (Reuters).
Geographic concentration remains high, with 82 % of 2025 direct written premiums sourced in California, exposing Mercury to state-specific regulatory and catastrophe risks (Reuters).
Reliance on volatile net realized investment gains— which more than doubled to USD 68.3 million in Q2—may not provide a sustainable source of earnings going forward (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 3 Sept 2026.
MCY Financial Performance
Revenues and expenses
MCY Earnings Performance
Company profitability
Upcoming events
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Funds containing MCY
AllUSDGBPEUR
Fund name | Fund size | $MCY weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.16% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.16% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.09% |
iShares MSCI World Small Cap$WSML | $9B | 0.03% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.03% |
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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