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
Industry
Insurance
Headquarters
Employees
4,200
ISIN
US5894001008
Website
MCY Metrics
BasicAdvanced
$3.8B
13.17
$5.16
0.98
$1.27
1.87%
Price and volume
Market cap
$3.8B
Beta
0.98
52-week high
$78.79
52-week low
$44.19
Average daily volume
267K
Dividend rate
$1.27
Financial strength
Current ratio
1.347
Quick ratio
1.043
Long term debt to equity
32.521
Total debt to equity
32.521
Dividend payout ratio (TTM)
24.58%
Interest coverage (TTM)
12.35%
Profitability
EBITDA (TTM)
446.944
Gross margin (TTM)
12.98%
Net profit margin (TTM)
5.11%
Operating margin (TTM)
6.68%
Effective tax rate (TTM)
16.66%
Revenue per employee (TTM)
$1,330,000
Management effectiveness
Return on assets (TTM)
2.84%
Return on equity (TTM)
16.71%
Valuation
Price to earnings (TTM)
13.168
Price to revenue (TTM)
0.672
Price to book
2.07
Price to tangible book (TTM)
2.13
Price to free cash flow (TTM)
5.177
Free cash flow yield (TTM)
19.32%
Free cash flow per share (TTM)
1,312.36%
Dividend yield (TTM)
1.87%
Forward dividend yield
1.87%
Growth
Revenue change (TTM)
16.64%
Earnings per share change (TTM)
32.82%
3-year revenue growth (CAGR)
13.71%
10-year revenue growth (CAGR)
6.46%
3-year earnings per share growth (CAGR)
72.17%
10-year earnings per share growth (CAGR)
8.04%
3-year dividend per share growth (CAGR)
-20.58%
10-year dividend per share growth (CAGR)
-6.42%
What the Analysts think about MCY
Analyst ratings (Buy, Hold, Sell) for Mercury Insurance stock.
Bulls say / Bears say
Mercury General reported a net income of $230.9 million in Q3 2024, reversing an $8.2 million loss from the same period in 2023, driven by increased investment gains. (insurancebusinessmag.com)
The company's consolidated net premiums written rose 17.9% to $1.42 billion in Q3 2024, indicating strong growth in its core insurance business. (insurancebusinessmag.com)
Mercury General's combined ratio improved to 93.6% in Q3 2024 from 98.6% in the same quarter of 2023, reflecting enhanced underwriting efficiency. (insurancebusinessmag.com)
The company estimated gross catastrophe losses from January 2025 wildfires between $1.6 billion and $2.0 billion, with net catastrophe losses before taxes ranging from $155 million to $325 million, potentially impacting future financial stability. (secsense.ai)
Mercury General's combined ratio for the quarter ended March 2025 was 119.20%, higher than the 91.40% reported in the previous quarter, indicating increased underwriting losses. (gurufocus.com)
The company's heavy concentration in California, with over 80% of premiums from the state, exposes it to region-specific risks, including regulatory changes and natural disasters. (panabee.com)
Data summarised monthly by Lightyear AI. Last updated on 10 Jul 2025.
MCY Financial Performance
Revenues and expenses
MCY Earnings Performance
Company profitability
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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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for Mercury Insurance stock?
Mercury Insurance (MCY) has a market cap of $3.8B as of July 18, 2025.
What is the P/E ratio for Mercury Insurance stock?
The price to earnings (P/E) ratio for Mercury Insurance (MCY) stock is 13.17 as of July 18, 2025.
Does Mercury Insurance stock pay dividends?
Yes, the Mercury Insurance (MCY) stock pays dividends to shareholders. As of July 18, 2025, the dividend rate is $1.27 and the yield is 1.87%. Mercury Insurance has a payout ratio of 24.58% on a trailing twelve-month basis.
When is the next Mercury Insurance dividend payment date?
The next Mercury Insurance (MCY) dividend payment date is unconfirmed.
What is the beta indicator for Mercury Insurance?
Mercury Insurance (MCY) has a beta rating of 0.98. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.