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MCY Overview

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ET
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Intellectia

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High
97.180
Open
95.845
VWAP
95.53
Vol
155.69K
Mkt Cap
5.26B
Low
94.510
Amount
14.87M
EV/EBITDA(TTM)
5.98
Total Shares
55.39M
EV
4.59B
EV/OCF(TTM)
4.22
P/S(TTM)
0.89
Mercury General Corporation is an insurance holding company engaged in writing personal automobile insurance business. The Company writes homeowners, commercial automobile, commercial property, mechanical protection and umbrella insurance. Its automobile coverage includes collision, property damage, bodily injury, comprehensive, personal injury protection, underinsured, and uninsured motorists, and other hazards. Its homeowners’ coverage includes dwelling, liability, personal property, and other coverages. It offers standard, non-standard and preferred private passenger automobile insurance. It also offers homeowners insurance in approximately 10 states, commercial automobile insurance in approximately four states, and mechanical protection insurance in various states. Its subsidiaries include Mercury Casualty Company, California Automobile Insurance Company, Orion Indemnity Company, American Mercury Insurance Company, Animas Funding LLC, and Mercury Insurance Company of Illinois.
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Events Timeline

(ET)
2025-07-29
16:24:29
Mercury General reports Q2 operating EPS $2.67 vs. $1.09 last year
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2025-02-12 (ET)
2025-02-12
11:02:13
Mercury General rises 14.5%
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2025-02-11 (ET)
2025-02-11
15:20:21
Mercury General reports Q4 operating EPS $2.78 vs. $1.15 last year
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2025-01-10 (ET)
2025-01-10
11:00:02
Mercury General falls -19.8%
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2025-01-10
09:00:03
Mercury General falls -20.9%
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News

PRnewswire
7.0
04-16PRnewswire
Widespread Distracted Driving Poses Significant Risks
  • Prevalence of Distraction: Research from Mercury Insurance reveals that drivers engage in an average of 37% of 27 common distracted behaviors annually, with only 8% avoiding distractions entirely, indicating a significant disconnect between drivers' perceptions and actual risks.
  • Confidence vs. Reality: While 68% of drivers express confidence in their multitasking abilities while driving, 69% of the most distracted drivers believe they are more attentive than average, suggesting that overconfidence may lead to higher accident risks.
  • Severity in Alabama: In Alabama, drivers reported engaging in 45% of distracted behaviors, significantly above the national average, and fatalities linked to distracted driving surged by 67.5% from 2018 to 2023, despite hands-free laws and safety campaigns.
  • Increased Insurance Risks: Distracted driving is not only a safety concern but also a measurable risk factor for insurance companies, contributing to increased claims frequency and severity, prompting Mercury Insurance to encourage proactive measures to mitigate driving distractions.
Newsfilter
7.0
04-16Newsfilter
Widespread Distracted Driving Behaviors Identified
  • Prevalence of Distraction: Research from Mercury Insurance reveals that drivers engage in an average of 37% of 27 common distracted behaviors annually, with only 8% avoiding distractions entirely, indicating a significant underestimation of their risky habits that could lead to increased accident rates.
  • Confidence vs. Reality: While 68% of drivers express confidence in their multitasking abilities while driving, 69% of the most distracted drivers believe they are more attentive than average, highlighting a dangerous disconnect between perceived capability and actual reaction times that can result in accidents.
  • Severity in Alabama: In Alabama, drivers reported engaging in 45% of distracted behaviors, significantly exceeding the national average, and fatalities linked to distracted driving surged by 67.5% from 2018 to 2023, despite hands-free laws and safety campaigns.
  • Risk Reduction Recommendations: Mercury Insurance advocates for proactive measures to minimize distractions, such as setting navigation and music before driving, avoiding eating or grooming while driving, and recognizing overconfidence to eliminate unnecessary risks before they lead to real-world consequences.
PRnewswire
8.5
04-14PRnewswire
Mercury Insurance Highlights Importance of Energy-Efficient Upgrades
  • Need for Energy Upgrades: Mercury Insurance highlights that the average U.S. household spends about $2,000 annually on energy, with $200 to $400 wasted due to drafts and outdated systems, emphasizing that energy-efficient upgrades can lower costs while enhancing comfort and long-term property resilience.
  • Impact of HVAC Systems: Heating and cooling systems account for 35% to 50% of home energy use, making HVAC upgrades and maintenance one of the highest-impact investments homeowners can make, significantly reducing annual energy costs.
  • Increasing Property Value: Energy-efficient homes not only lower operating costs but also increase property value, reflecting growing buyer demand for sustainable features, while reducing strain on critical systems helps extend the lifespan of home components.
  • Smart Home Recommendations: Mercury Insurance encourages homeowners to start with a home energy audit to identify the most effective upgrades and prioritize improvements with the highest return on investment, delivering both immediate savings and long-term benefits.
Newsfilter
7.5
04-14Newsfilter
Mercury Insurance Highlights Energy-Efficient Home Upgrades
  • Importance of Energy Upgrades: The average U.S. household spends about $2,000 annually on energy, with $200 to $400 wasted due to air leaks and outdated systems, prompting Mercury Insurance to emphasize energy-efficient upgrades to lower costs and enhance comfort, thereby helping families cope with rising energy expenses.
  • Impact of HVAC Systems: Heating and cooling systems account for 35% to 50% of home energy use, making HVAC upgrades a high-impact investment for homeowners that can significantly reduce annual energy costs while improving overall home performance.
  • High-Value Improvement Measures: Mercury Insurance recommends enhancements such as improved insulation, energy-efficient windows, and smart thermostats, which can lead to a 20% to 30% reduction in energy usage, while also increasing property value and long-term durability, reflecting market demand for sustainable features.
  • Need for Home Energy Audits: Mercury Insurance encourages homeowners to conduct energy audits to identify the most effective upgrades, ensuring that while saving costs, homes maintain optimal performance for years to come, meeting the growing demands for comfort and efficiency.
PRnewswire
8.0
04-09PRnewswire
Spring Rain Driving Safety Tips from Mercury Insurance
  • Accident Risk Warning: According to the Federal Highway Administration, nearly 1.2 million crashes occur annually on wet pavement, accounting for 75% of all weather-related collisions, indicating that spring rain significantly increases driving risks.
  • Driving Adjustment Recommendations: Mercury Insurance advises drivers to slow down and increase following distances during rainy conditions to counteract the extended braking distances caused by slick roads, effectively reducing the likelihood of accidents.
  • Safety Driving Tips: Turning on headlights instead of just daytime running lights enhances visibility and helps other drivers see you better in low-light and rainy conditions, thereby minimizing collision risks.
  • Tire Maintenance Importance: Regularly checking tire tread depth and pressure is crucial for maintaining control on wet roads, preventing skidding or hydroplaning due to loss of tire grip.
Newsfilter
2.0
04-09Newsfilter
Spring Rain Driving Safety Tips from Mercury Insurance
  • Accident Risk Warning: According to the Federal Highway Administration, nearly 1.2 million crashes occur annually on wet pavement, accounting for about 75% of all weather-related collisions, highlighting the significant increase in driving risks during spring rain and urging drivers to take preventive measures to avoid costly accidents.
  • Driving Tips Recommendation: Mercury Insurance advises drivers to slow down and increase following distance in rainy conditions to accommodate longer stopping distances caused by slick roads, effectively reducing the likelihood of accidents and ensuring safer driving.
  • Importance of Headlight Use: Turning on headlights in low-light and rainy conditions not only improves visibility but also helps other drivers see your vehicle better, thereby reducing the risk of collisions due to poor visibility and enhancing overall road safety.
  • Tire Maintenance Tips: Regularly checking tire tread depth and pressure is crucial for maintaining control on wet roads, as ensuring tires are in good condition can effectively prevent skidding and hydroplaning, thereby improving driving stability.

Valuation Metrics

The current forward P/E ratio for Mercury General Corp (MCY.N) is 19.76, compared to its 5-year average forward P/E of 18.58. For a more detailed relative valuation and DCF analysis to assess Mercury General Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
18.58
Current PE
19.76
Overvalued PE
106.38
Undervalued PE
-69.23

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.30
Current EV/EBITDA
3.97
Overvalued EV/EBITDA
1.48
Undervalued EV/EBITDA
-0.88

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
0.61
Current PS
0.82
Overvalued PS
0.78
Undervalued PS
0.44

Financials

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Whales Holding MCY

A
Alphinity Investment Management Pty Ltd.
Holding
MCY
+77.87%
3M Return
A
Accident Compensation Corporation
Holding
MCY
+7.83%
3M Return
R
Rubric Capital Management LP
Holding
MCY
+3.33%
3M Return
N
New Zealand
Holding
MCY
+2.45%
3M Return

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Frequently Asked Questions

What is Mercury General Corp (MCY) stock price today?

The current price of MCY is 94.9 USD — it has decreased -1.42

What is Mercury General Corp (MCY)'s business?

Mercury General Corporation is an insurance holding company engaged in writing personal automobile insurance business. The Company writes homeowners, commercial automobile, commercial property, mechanical protection and umbrella insurance. Its automobile coverage includes collision, property damage, bodily injury, comprehensive, personal injury protection, underinsured, and uninsured motorists, and other hazards. Its homeowners’ coverage includes dwelling, liability, personal property, and other coverages. It offers standard, non-standard and preferred private passenger automobile insurance. It also offers homeowners insurance in approximately 10 states, commercial automobile insurance in approximately four states, and mechanical protection insurance in various states. Its subsidiaries include Mercury Casualty Company, California Automobile Insurance Company, Orion Indemnity Company, American Mercury Insurance Company, Animas Funding LLC, and Mercury Insurance Company of Illinois.

What is the price predicton of MCY Stock?

Wall Street analysts forecast MCY stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for MCY is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Mercury General Corp (MCY)'s revenue for the last quarter?

Mercury General Corp revenue for the last quarter amounts to 1.54B USD, increased 12.41

What is Mercury General Corp (MCY)'s earnings per share (EPS) for the last quarter?

Mercury General Corp. EPS for the last quarter amounts to 3.66 USD, increased 101.10

How many employees does Mercury General Corp (MCY). have?

Mercury General Corp (MCY) has 4300 emplpoyees as of April 21 2026.

What is Mercury General Corp (MCY) market cap?

Today MCY has the market capitalization of 5.26B USD.