Stock Scorecard
Stock Summary for Mercury General Corp (MCY) - $93.62 as of 12/19/2025 8:06:11 PM EST
Total Score
21 out of 30
Safety Score
57 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for MCY
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for MCY
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for MCY
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for MCY
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for MCY (57 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 6 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for MCY
Financial Details for MCY
Company Overview |
|
|---|---|
| Ticker | MCY |
| Company Name | Mercury General Corp |
| Country | USA |
| Description | Mercury General Corporation (MCY) is a leading provider of personal auto insurance based in Los Angeles, California, recognized for its commitment to superior customer service and competitive pricing. The company has established a strong presence in the U.S. insurance market through a combination of innovative technological solutions and a disciplined underwriting approach aimed at enhancing its product offerings and market penetration. With a focus on financial stability and robust risk management practices, Mercury General presents a compelling investment opportunity for institutional investors looking to capitalize on the growing demand for insurance products in a dynamic market environment. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | INSURANCE - PROPERTY & CASUALTY |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 2/17/2026 |
Stock Price History |
|
| Last Day Price | 93.62 |
| Price 4 Years Ago | 46.97 |
| Last Day Price Updated | 12/19/2025 8:06:11 PM EST |
| Last Day Volume | 583,821 |
| Average Daily Volume | 198,549 |
| 52-Week High | 94.66 |
| 52-Week Low | 43.39 |
| Last Price to 52 Week Low | 115.76% |
Valuation Measures |
|
| Trailing PE | 11.72 |
| Industry PE | 19.42 |
| Sector PE | 20.58 |
| 5-Year Average PE | 33.97 |
| Free Cash Flow Ratio | 4.14 |
| Industry Free Cash Flow Ratio | 409.35 |
| Sector Free Cash Flow Ratio | 44.47 |
| Current Ratio Most Recent Quarter | 24.74 |
| Total Cash Per Share | 22.61 |
| Book Value Per Share Most Recent Quarter | 40.30 |
| Price to Book Ratio | 2.32 |
| Industry Price to Book Ratio | 2.13 |
| Sector Price to Book Ratio | 1.93 |
| Price to Sales Ratio Twelve Trailing Months | 0.89 |
| Industry Price to Sales Ratio Twelve Trailing Months | 1.49 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.09 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 55,389,000 |
| Market Capitalization | 5,185,518,180 |
| Institutional Ownership | 47.32% |
Dividends |
|
| Ex-Dividend Date | 12/10/2025 |
| Previous Dividend Amount | 0.3175 |
| Current Dividend Amount | 0.3175 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.27 |
| Trailing Annual Dividend Yield | 1.36% |
| Forward Annual Dividend Rate | 1.27 |
| Forward Annual Dividend Yield | 1.36% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.29% |
| 5-Year Average Dividend Yield | 3.66% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | -15.85% |
| All-Time Dividend Growth Rate Percentage | 8.51% |
| Dividend Payout Ratio | 16.02% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 21.40% |
| Annual Earnings Growth | 385.75% |
| Reported EPS 12 Trailing Months | 7.93 |
| Reported EPS Past Year | 4.24 |
| Reported EPS Prior Year | 7.19 |
| Net Income Twelve Trailing Months | 439,615,000 |
| Net Income Past Year | 467,953,000 |
| Net Income Prior Year | 96,336,000 |
| Quarterly Revenue Growth YOY | 3.60% |
| 5-Year Revenue Growth | 6.63% |
| Operating Margin Twelve Trailing Months | 22.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 1,252,575,000 |
| Total Cash Past Year | 720,257,000 |
| Total Cash Prior Year | 550,903,000 |
| Net Cash Position Most Recent Quarter | 678,148,000 |
| Net Cash Position Past Year | 146,129,000 |
| Long Term Debt Past Year | 574,128,000 |
| Long Term Debt Prior Year | 573,729,000 |
| Total Debt Most Recent Quarter | 574,427,000 |
| Equity to Debt Ratio Past Year | 0.77 |
| Equity to Debt Ratio Most Recent Quarter | 0.80 |
| Total Stockholder Equity Past Year | 1,946,524,000 |
| Total Stockholder Equity Prior Year | 1,548,145,000 |
| Total Stockholder Equity Most Recent Quarter | 2,232,314,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 990,893,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 17.89 |
| Free Cash Flow Past Year | 990,979,000 |
| Free Cash Flow Prior Year | 416,178,000 |
Options |
|
| Put/Call Ratio | 2.40 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.98 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 12/18/2025 3:26:20 AM EST |