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
Headquarters
Website
MCY Metrics
BasicAdvanced
$4.4B
11.33
$7.04
1.00
$1.27
1.59%
Price and volume
Market cap
$4.4B
Beta
1
52-week high
$87.67
52-week low
$44.19
Average daily volume
209K
Dividend rate
$1.27
Financial strength
Current ratio
1.006
Quick ratio
0.837
Long term debt to equity
29.966
Total debt to equity
29.966
Dividend payout ratio (TTM)
18.03%
Interest coverage (TTM)
17.03%
Profitability
EBITDA (TTM)
578.29
Gross margin (TTM)
15.17%
Net profit margin (TTM)
6.76%
Operating margin (TTM)
8.75%
Effective tax rate (TTM)
17.88%
Revenue per employee (TTM)
$1,370,000
Management effectiveness
Return on assets (TTM)
3.75%
Return on equity (TTM)
21.56%
Valuation
Price to earnings (TTM)
11.332
Price to revenue (TTM)
0.766
Price to book
2.24
Price to tangible book (TTM)
2.3
Price to free cash flow (TTM)
5.404
Free cash flow yield (TTM)
18.51%
Free cash flow per share (TTM)
14.762
Dividend yield (TTM)
1.59%
Forward dividend yield
1.59%
Growth
Revenue change (TTM)
14.93%
Earnings per share change (TTM)
22.11%
3-year revenue growth (CAGR)
17.32%
10-year revenue growth (CAGR)
7.07%
3-year earnings per share growth (CAGR)
1.22%
10-year earnings per share growth (CAGR)
23.80%
3-year dividend per share growth (CAGR)
-20.60%
10-year dividend per share growth (CAGR)
-6.43%
What the Analysts think about MCY
Analyst ratings (Buy, Hold, Sell) for Mercury Insurance stock.
Bulls say / Bears say
Mercury’s Q2 2025 combined ratio improved 640 basis points to 92.5 %, driven by a 700 bps improvement in the loss ratio to 68.8 % and favorable reserve development, underscoring stronger underwriting discipline (Zacks via Nasdaq).
Net investment income before taxes rose 14.2 % year-over-year to $78.8 million in Q2 2025, driven by higher average portfolio yields and increased invested assets, bolstering overall earnings potential (Zacks via Nasdaq).
As of June 30, 2025, Mercury’s total assets grew to $9.1 billion, cash balances increased 56 % year-over-year to $1.1 billion, and debt-to-total capitalization improved 20 bps to 22.6 %, enhancing its financial flexibility (Zacks via Nasdaq).
Q1 2025 reported a net loss of $108.3 million and a 119.2 % combined ratio driven by a 520.8 % surge in catastrophe losses net of reinsurance, highlighting underwriting challenges early in the year (GuruFocus).
After paying out $800 million related to the Southern California wildfires and exhausting its reinsurance limits, Mercury’s ratings were placed on negative outlook by Fitch and Moody’s, reflecting concerns over elevated catastrophe risk and reinsurance cost uncertainty (PRNewswire).
Management has highlighted ongoing risks from catastrophe exposure and potential regulatory headwinds in its core California market—where it derives most of its premiums—indicating continued volatility in underwriting results (Quartr API).
Data summarised monthly by Lightyear AI. Last updated on 2 Nov 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
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FAQs
What’s the current market cap for Mercury Insurance stock?
Mercury Insurance (MCY) has a market cap of $4.4B as of November 05, 2025.
What is the P/E ratio for Mercury Insurance stock?
The price to earnings (P/E) ratio for Mercury Insurance (MCY) stock is 11.33 as of November 05, 2025.
Does Mercury Insurance stock pay dividends?
Yes, the Mercury Insurance (MCY) stock pays dividends to shareholders. As of November 05, 2025, the dividend rate is $1.27 and the yield is 1.59%. Mercury Insurance has a payout ratio of 18.03% on a trailing twelve-month basis.
When is the next Mercury Insurance dividend payment date?
The next Mercury Insurance (MCY) dividend payment is scheduled for December 24, 2025.
What is the beta indicator for Mercury Insurance?
Mercury Insurance (MCY) has a beta rating of 1. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.