Mercury General (MCY)
Market Price (6/19/2026): $102.62 | Market Cap: $5.7 BilSector: Financials | Industry: Property & Casualty Insurance
Mercury General (MCY)
Market Price (6/19/2026): $102.62Market Cap: $5.7 BilSector: FinancialsIndustry: Property & Casualty Insurance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 15%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 11%, FCF Yield is 25% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -21% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 23% Low stock price volatilityVol 12M is 26% Megatrend and thematic driversMegatrends include Fintech & Digital Payments, AI in Financial Services, and E-commerce & Digital Retail. Themes include Digital Payments, Show more. | Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% | Key risksMCY key risks include [1] its significant business concentration in catastrophe-prone California and [2] regulatory delays in that key state that impede necessary rate approvals. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 15%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 11%, FCF Yield is 25% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -21% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 23% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, AI in Financial Services, and E-commerce & Digital Retail. Themes include Digital Payments, Show more. |
| Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% |
| Key risksMCY key risks include [1] its significant business concentration in catastrophe-prone California and [2] regulatory delays in that key state that impede necessary rate approvals. |
Qualitative Assessment
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Mercury General (MCY) stock has gained about 15% since 2/28/2026 because of the following key factors:
1. Exceptional First Quarter 2026 Financial Performance: Mercury General significantly exceeded analyst expectations in its Q1 2026 earnings report on May 5, 2026. The company reported earnings per share (EPS) of $3.50, substantially beating consensus estimates of $2.17 and $2.15. Additionally, revenue reached $1.54 billion, surpassing analyst projections of $1.46 billion by over $74 million. This strong beat signaled a robust financial turnaround, driving positive investor sentiment.
2. Dramatic Improvement in Underwriting Profitability: A core reason for the stock's gain was the significant improvement in Mercury General's underwriting performance. The company's combined ratio improved sharply to 89.3% in Q1 2026 from 119.2% in the prior-year quarter, considerably better than the 95.5% consensus estimate. This operational efficiency translated into a net income of approximately $190.4 million, a substantial turnaround from a net loss of $108.3 million in Q1 2025. This improvement was also aided by a reduction in catastrophe losses, which totaled $93 million, significantly lower than the $447 million incurred in the year-ago period.
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Mercury General (MCY) stock has gained about 15% since 2/28/2026 because of the following key factors:
1. Exceptional First Quarter 2026 Financial Performance: Mercury General significantly exceeded analyst expectations in its Q1 2026 earnings report on May 5, 2026. The company reported earnings per share (EPS) of $3.50, substantially beating consensus estimates of $2.17 and $2.15. Additionally, revenue reached $1.54 billion, surpassing analyst projections of $1.46 billion by over $74 million. This strong beat signaled a robust financial turnaround, driving positive investor sentiment.
2. Dramatic Improvement in Underwriting Profitability: A core reason for the stock's gain was the significant improvement in Mercury General's underwriting performance. The company's combined ratio improved sharply to 89.3% in Q1 2026 from 119.2% in the prior-year quarter, considerably better than the 95.5% consensus estimate. This operational efficiency translated into a net income of approximately $190.4 million, a substantial turnaround from a net loss of $108.3 million in Q1 2025. This improvement was also aided by a reduction in catastrophe losses, which totaled $93 million, significantly lower than the $447 million incurred in the year-ago period.
3. Positive Analyst Outlook and Upgraded Price Targets: Wall Street analysts maintained a "Strong Buy" consensus rating for Mercury General, reflecting confidence in the company's future. Following the strong Q1 results, the consensus EPS estimate for fiscal year 2026 saw a 30% increase, and the average price target rose from $110 to $120. One rating was notably increased to "Strong-Buy" at Wall Street Zen on May 31. This optimistic re-evaluation from analysts provided a forward-looking catalyst for the stock's appreciation.
4. Significant Institutional Investor Accumulation: Large institutional investors showed increased confidence in Mercury General during this period. Notably, UBS GROUP AG added 177,906 shares to its portfolio in Q1 2026, representing a 137.6% increase in their holding, valued at an estimated $15,682,413. This substantial institutional buying activity underscored strong market conviction in the company's performance and future prospects.
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Stock Movement Drivers
Fundamental Drivers
The 14.1% change in MCY stock from 2/28/2026 to 6/18/2026 was primarily driven by a 51.5% change in the company's Net Income Margin (%).| (LTM values as of) | 2282026 | 6182026 | Change |
|---|---|---|---|
| Stock Price ($) | 89.97 | 102.67 | 14.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 5,992 | 6,138 | 2.4% |
| Net Income Margin (%) | 9.0% | 13.7% | 51.5% |
| P/E Multiple | 9.2 | 6.8 | -26.5% |
| Shares Outstanding (Mil) | 55 | 55 | 0.0% |
| Cumulative Contribution | 14.1% |
Market Drivers
2/28/2026 to 6/18/2026| Return | Correlation | |
|---|---|---|
| MCY | 14.1% | |
| Market (SPY) | 9.2% | 13.4% |
| Sector (XLF) | 4.7% | 50.1% |
Fundamental Drivers
The 11.4% change in MCY stock from 11/30/2025 to 6/18/2026 was primarily driven by a 81.2% change in the company's Net Income Margin (%).| (LTM values as of) | 11302025 | 6182026 | Change |
|---|---|---|---|
| Stock Price ($) | 92.17 | 102.67 | 11.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 5,823 | 6,138 | 5.4% |
| Net Income Margin (%) | 7.5% | 13.7% | 81.2% |
| P/E Multiple | 11.6 | 6.8 | -41.7% |
| Shares Outstanding (Mil) | 55 | 55 | 0.0% |
| Cumulative Contribution | 11.4% |
Market Drivers
11/30/2025 to 6/18/2026| Return | Correlation | |
|---|---|---|
| MCY | 11.4% | |
| Market (SPY) | 9.9% | 4.6% |
| Sector (XLF) | 1.3% | 33.9% |
Fundamental Drivers
The 62.3% change in MCY stock from 5/31/2025 to 6/18/2026 was primarily driven by a 167.5% change in the company's Net Income Margin (%).| (LTM values as of) | 5312025 | 6182026 | Change |
|---|---|---|---|
| Stock Price ($) | 63.25 | 102.67 | 62.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 5,595 | 6,138 | 9.7% |
| Net Income Margin (%) | 5.1% | 13.7% | 167.5% |
| P/E Multiple | 12.2 | 6.8 | -44.7% |
| Shares Outstanding (Mil) | 55 | 55 | 0.0% |
| Cumulative Contribution | 62.3% |
Market Drivers
5/31/2025 to 6/18/2026| Return | Correlation | |
|---|---|---|
| MCY | 62.3% | |
| Market (SPY) | 28.1% | 16.7% |
| Sector (XLF) | 6.7% | 42.9% |
Fundamental Drivers
The 269.6% change in MCY stock from 5/31/2023 to 6/18/2026 was primarily driven by a 137.6% change in the company's P/S Multiple.| (LTM values as of) | 5312023 | 6182026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.78 | 102.67 | 269.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 3,944 | 6,138 | 55.6% |
| P/S Multiple | 0.4 | 0.9 | 137.6% |
| Shares Outstanding (Mil) | 55 | 55 | 0.0% |
| Cumulative Contribution | 269.6% |
Market Drivers
5/31/2023 to 6/18/2026| Return | Correlation | |
|---|---|---|
| MCY | 269.6% | |
| Market (SPY) | 85.7% | 27.8% |
| Sector (XLF) | 77.0% | 42.7% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| MCY Return | 6% | -33% | 14% | 82% | 44% | 9% | 132% |
| Peers Return | 15% | 18% | 6% | 35% | 13% | 5% | 131% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 98% |
Monthly Win Rates [3] | |||||||
| MCY Win Rate | 58% | 42% | 50% | 75% | 75% | 67% | |
| Peers Win Rate | 50% | 60% | 58% | 68% | 57% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| MCY Max Drawdown | -23% | -48% | -27% | -15% | -29% | -13% | |
| Peers Max Drawdown | -15% | -17% | -23% | -11% | -16% | -9% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PGR, ALL, TRV, CB, THG.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/18/2026 (YTD)
How Low Can It Go
| Event | MCY | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -20.8% | -6.7% |
| % Gain to Breakeven | 26.3% | 7.1% |
| Time to Breakeven | 113 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -44.9% | -24.5% |
| % Gain to Breakeven | 81.5% | 32.4% |
| Time to Breakeven | 497 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -32.2% | -33.7% |
| % Gain to Breakeven | 47.5% | 50.9% |
| Time to Breakeven | 266 days | 140 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -19.9% | -12.2% |
| % Gain to Breakeven | 24.8% | 13.9% |
| Time to Breakeven | 55 days | 62 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -12.5% | -17.9% |
| % Gain to Breakeven | 14.3% | 21.8% |
| Time to Breakeven | 21 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -52.4% | -53.4% |
| % Gain to Breakeven | 110.1% | 114.4% |
| Time to Breakeven | 382 days | 1085 days |
In The Past
Mercury General's stock fell -5.2% during the 2025 US Tariff Shock. Such a loss loss requires a 5.4% gain to breakeven.
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| Event | MCY | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -20.8% | -6.7% |
| % Gain to Breakeven | 26.3% | 7.1% |
| Time to Breakeven | 113 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -44.9% | -24.5% |
| % Gain to Breakeven | 81.5% | 32.4% |
| Time to Breakeven | 497 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -32.2% | -33.7% |
| % Gain to Breakeven | 47.5% | 50.9% |
| Time to Breakeven | 266 days | 140 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -52.4% | -53.4% |
| % Gain to Breakeven | 110.1% | 114.4% |
| Time to Breakeven | 382 days | 1085 days |
In The Past
Mercury General's stock fell -5.2% during the 2025 US Tariff Shock. Such a loss loss requires a 5.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Mercury General (MCY)
Mercury General Corporation (MCY) operates as an insurance company primarily focused on underwriting personal automobile insurance policies across the United States. While its core business is centered on the personal auto sector, the company strategically expands its product portfolio to include various other types of insurance, catering to a broader market segment.
The company's main offerings include comprehensive personal automobile insurance, covering a range of risks such as collision, property damage, bodily injury, comprehensive coverage, personal injury protection, and underinsured/uninsured motorist coverage. Beyond auto insurance, Mercury General also provides homeowners insurance, which protects against dwelling, liability, personal property, and fire-related hazards. Additionally, it offers commercial automobile, commercial property, mechanical protection, and umbrella insurance products, addressing both individual and business insurance needs.
Mercury General serves individual policyholders for personal auto and homeowners insurance, as well as businesses requiring commercial coverage. Its policies are sold through an extensive network of independent agents and insurance agencies, complemented by direct sales via internet portals. The company's primary markets are concentrated in several key U.S. states, including California, Texas, Florida, New York, Arizona, Georgia, Illinois, Nevada, New Jersey, Oklahoma, and Virginia.
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Here are 1-3 brief analogies for Mercury General (MCY):
- Like a regional Progressive primarily focused on auto and home insurance.
- Imagine a Geico that also sells homeowners insurance and works with independent agents.
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- Personal Automobile Insurance: Covers collision, property damage, bodily injury, comprehensive, personal injury protection, and uninsured/underinsured motorist risks for individual vehicles.
- Homeowners Insurance: Protects against risks to dwellings, personal property, and liability, including fire and other hazards.
- Commercial Automobile Insurance: Provides coverage for vehicles used for business purposes.
- Commercial Property Insurance: Insures business properties against various risks and damages.
- Mechanical Protection Insurance: Offers coverage for mechanical breakdowns beyond standard warranties.
- Umbrella Insurance: Provides additional liability coverage beyond the limits of other insurance policies.
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Mercury General Corporation (MCY) primarily sells insurance policies directly to individuals and businesses through a network of independent agents, insurance agencies, and internet sales portals. Therefore, its major customers fall into the following categories:
- Personal Lines Policyholders: These are individuals who purchase insurance to protect their personal assets and liabilities. This category includes customers seeking personal automobile insurance (covering collision, property damage, bodily injury, comprehensive, etc.), homeowners insurance (covering dwelling, liability, personal property, fire), and umbrella insurance for additional liability coverage.
- Commercial Lines Policyholders: This category comprises small to medium-sized businesses and organizations that purchase insurance to protect their business assets and operations. This includes customers seeking commercial automobile insurance for their fleets and commercial property insurance for their business premises and assets.
- Mechanical Protection Policyholders: These are individuals and businesses who purchase specific products to cover mechanical breakdowns of their vehicles, providing an additional layer of financial protection beyond standard auto insurance.
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Gabriel Tirador, President, Chief Executive Officer, and Director
Gabriel Tirador was appointed CEO of Mercury General Corporation in January 2007, and as of March 2026, he has served for over 19 years. He also holds the titles of President and Director.
Theodore R. Stalick, Senior Vice President, Principal Accounting Officer and Chief Financial Officer
Theodore R. Stalick serves as the Senior Vice President, Principal Accounting Officer, and Chief Financial Officer for Mercury General Corporation.
George Joseph, Founder and Chairman of the Board
George Joseph founded Mercury Insurance in 1961, after having served as a B-17 navigator in World War II. He graduated from Harvard in 1949 with degrees in Physics and Mathematics. Before founding Mercury, Joseph worked as a systems analyst at Occidental Life Insurance Company and sold life insurance door-to-door. He left Occidental in 1954 to start his own insurance agency and subsequently founded Mercury Insurance in 1962, pioneering the industry by offering automobile insurance rates based on a driver's record and experience. He owns 35% of the publicly traded firm and remains actively involved as Chairman of the Board.
Victor Joseph, Executive Vice President & Chief Operating Officer
Victor Joseph was appointed Executive Vice President & Chief Operating Officer (EVP & COO) effective January 1, 2022. Before this role, he was the Vice President & Chief Underwriting Officer since 2017 and has held various positions at the company since 2009. He is the son of the company's founder, George Joseph. His expanded responsibilities include oversight of Advertising & Public Relations, Claims, Human Capital, Information Technology, Marketing, Product Management, and Underwriting.
Mark Allan Ribisi, President and Chief Executive Officer of AIS Management LLC
Mark Allan Ribisi is the President and Chief Executive Officer of AIS Management LLC, a subsidiary of Mercury General Corporation.
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Key Risks to Mercury General (MCY)
Mercury General Corporation (MCY) faces several key risks, primarily stemming from its concentrated geographic exposure and the regulatory environment in its dominant market.
- Geographic Concentration Risk: Mercury General has a significant concentration of its business in California, with approximately 85% of its direct automobile insurance premiums originating from the state. This heavy reliance on a single geographic area exposes the company to disproportionate impacts from adverse regulatory, legal, economic, or competitive changes specific to California. Localized events, such as natural disasters or shifts in legislative policy, can therefore have a substantial effect on MCY's operations and profitability.
- Economic and Regulatory Challenges in California: The company's operations are highly susceptible to changes in California's economic and regulatory landscape. Proposition 103, a 1988 insurance reform initiative in California, imposes a slow and restrictive rate approval process. This often leads to a delay in implementing necessary premium rate adjustments, which can create a mismatch between premiums collected and rising claims costs, particularly due to inflation in auto parts and labor, and increased claims severity. Furthermore, MCY's investment portfolio is exposed to interest rate and equity price risks, which can be affected by broader economic shifts.
- Increased Frequency and Severity of Catastrophe Losses: Given its significant exposure in California, Mercury General is vulnerable to increased frequency and severity of natural disaster events, such as wildfires and floods. Recent events, like the January 2025 California wildfires, have resulted in substantial losses, impacting the company's financial performance and leading to higher reinsurance costs and retained losses. The ability to obtain timely rate relief from regulators after such catastrophic events is crucial for maintaining underwriting profitability.
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- Emergence of Insurtech companies leveraging advanced artificial intelligence, machine learning, and telematics for underwriting, personalized pricing, and direct-to-consumer digital platforms, potentially offering lower costs and superior customer experiences than traditional insurers.
- Development and eventual widespread adoption of autonomous vehicles, which could drastically reduce accident rates and shift liability away from drivers, thereby significantly diminishing the demand for traditional personal automobile insurance, which is Mercury General's primary product.
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Addressable Markets for Mercury General (MCY)
The addressable markets for Mercury General's main products and services are primarily within the United States, corresponding to the company's operational regions.
- Personal Automobile Insurance: The United States motor insurance market, which includes personal motor insurance, is projected to be USD 487.65 billion in 2025 and USD 532.45 billion in 2026. Personal motor insurance alone held 76.35% of the United States motor insurance market in 2025. Another source indicates the US auto insurance market is valued at approximately USD 353 billion. The market size of the Automobile Insurance industry in the United States is projected to be USD 352.9 billion in 2026. Additionally, personal auto insurance premiums were about USD 318 billion in 2023, representing approximately 35.8% of the entire U.S. property and casualty insurance market. In 2024, private passenger auto insurance premiums were USD 344.11 billion.
- Homeowners Insurance: The United States homeowners insurance market size is expected to increase from USD 175.60 billion in 2025 to USD 184.59 billion in 2026 and reach USD 236.90 billion by 2031, growing at a CAGR of 5.12% over 2026-2031. The market size was USD 171.7 billion in 2024 and is estimated at USD 175.1 billion in 2025. Direct written premiums in the U.S. homeowners insurance market rose to nearly USD 173.1 billion in 2024. The homeowners insurance market size is forecast to increase by USD 65.9 billion at a CAGR of 4.6% between 2023 and 2028.
- Commercial Automobile Insurance: The market size of the Commercial Auto Insurance in the US is USD 80.1 billion in 2025. Another report states that the commercial auto insurance market size was valued at USD 52.8 billion in 2023 and is estimated to register a CAGR of over 6% between 2024 and 2032. The global commercial auto insurance market size was valued at USD 199.9 billion in 2025 and is projected to reach USD 459.1 billion by the end of 2035, with North America expected to lead with the largest revenue share of 38.8% by the end of 2035. In 2026, the industry size of commercial auto insurance is estimated at USD 219.2 billion.
- Commercial Property Insurance: The North America commercial property insurance market size was USD 112.618 billion in 2024. The US had a major share in this market with a market size of USD 88.855 billion in 2024. The commercial property insurance market was valued at USD 254.93 billion in 2022 and is estimated to reach USD 724 billion by 2032, growing at a CAGR of 11.3% from 2023 to 2032. The commercial property insurance segment in the U.S. is projected to grow at the highest CAGR of about 9.21% between 2026 and 2035.
- Mechanical Protection (Equipment/Machinery Breakdown Insurance): The Global Machinery Breakdown Insurance Market size was estimated at USD 3.89 billion in 2025 and is expected to reach USD 4.15 billion in 2026, and USD 5.98 billion by 2032. The global Equipment Breakdown Insurance Market is estimated to be valued at USD 2.95 billion in 2026 and is projected to reach USD 4.77 billion by 2035, expanding at a CAGR of 4.93% from 2026 to 2035. North America leads this market with approximately 45% market share.
- Umbrella Insurance Products: The global Umbrella Insurance market size is projected to expand from USD 51.486 billion in 2021 to USD 149.178 billion by 2033, at a robust CAGR of 9.27%. The umbrella insurance market was valued at USD 72.5 billion in 2021 and is estimated to reach USD 170.7 billion by 2031, growing at a CAGR of 9.2% from 2022 to 2031. North America remains the largest market for umbrella insurance, accounting for approximately 60% of the global market share. The United States is the largest market within North America, holding 23.95% of the global market share in 2025. For commercial umbrella insurance specifically, the U.S. market accounts for nearly 42% of the global market volume in 2025. The United States commercial umbrella insurance market size is projected at USD 13,212.5 million by 2034.
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Mercury General Corporation (MCY) is expected to drive future revenue growth over the next 2-3 years through several key factors:
- Rate Increases: The company has been implementing and is expected to continue applying rate increases across its insurance lines. These higher average premiums per policy are a significant contributor to top-line growth. This strategy helps restore underwriting discipline and improves the combined ratio.
- Expansion of Policy Base: Mercury General is projected to grow its base of policies, indicating an increase in its customer count. The company's offerings are resonating with customers, which is crucial for expanding its insured base.
- Improved Underwriting Discipline and Performance: An ongoing "underwriting rebound" and the company's ability to maintain underwriting discipline through portfolio remediation are expected to contribute to clearer earnings and operational resilience. Stronger underwriting results lead to better combined ratios, which in turn supports sustainable premium growth.
- Growth in Investment Income: Investment income is anticipated to remain a reliable contributor to overall revenues, supported by higher yields and a growing asset base. This income stream provides a steady boost to the company's financial performance.
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Share Repurchases
- Mercury General has not repurchased any of its common stock since 2000.
- The company does not currently have any share repurchases authorized by the Board.
Capital Expenditures
- Capital expenditures were approximately $58.4 million in 2025, $46.1 million in 2024, and $36.8 million in 2023.
- The primary focus of these capital expenditures has been on improving the Company's information technology infrastructure.
- Capital spending for 2026 is expected to be somewhat larger than that for 2025, primarily for continued investments in technology assets.
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 213.02 |
| Mkt Cap | 61.8 |
| Rev LTM | 55,070 |
| Op Inc LTM | - |
| FCF LTM | 11,488 |
| FCF 3Y Avg | 9,023 |
| CFO LTM | 11,576 |
| CFO 3Y Avg | 9,134 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.3% |
| Rev Chg 3Y Avg | 10.2% |
| Rev Chg Q | 7.3% |
| QoQ Delta Rev Chg LTM | 1.7% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 21.1% |
| CFO/Rev 3Y Avg | 18.2% |
| FCF/Rev LTM | 20.9% |
| FCF/Rev 3Y Avg | 17.6% |
Price Behavior
| Market Price | $102.67 | |
| Market Cap ($ Bil) | 5.7 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | 0.0% | |
| 50 Days | 200 Days | |
| DMA Price | $98.04 | $89.25 |
| DMA Trend | up | up |
| Distance from DMA | 4.7% | 15.0% |
| 3M | 1YR | |
| Volatility | 24.7% | 26.0% |
| Downside Capture | -15.26 | -6.92 |
| Upside Capture | 43.81 | 53.64 |
| Correlation (SPY) | 5.8% | 15.8% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.32 | 0.38 | 0.49 | 0.25 | 0.47 | 0.68 |
| Up Beta | 0.60 | 0.71 | 0.43 | 0.74 | 0.87 | 0.78 |
| Down Beta | 1.01 | -0.77 | 0.77 | 0.47 | 0.41 | 0.80 |
| Up Capture | -45% | 49% | 48% | 3% | 47% | 45% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 9 | 24 | 33 | 64 | 138 | 400 |
| Down Capture | -167% | -11% | 36% | -15% | 12% | 60% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 11 | 17 | 30 | 60 | 112 | 345 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with MCY | |
|---|---|---|---|---|
| MCY | 62.3% | 26.1% | 1.82 | - |
| Sector ETF (XLF) | 8.3% | 14.6% | 0.33 | 42.2% |
| Equity (SPY) | 26.5% | 12.4% | 1.61 | 15.6% |
| Gold (GLD) | 24.2% | 27.5% | 0.77 | -12.1% |
| Commodities (DBC) | 19.8% | 18.8% | 0.83 | -19.2% |
| Real Estate (VNQ) | 11.0% | 13.7% | 0.52 | 37.0% |
| Bitcoin (BTCUSD) | -38.3% | 42.4% | -1.02 | 5.7% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with MCY | |
|---|---|---|---|---|
| MCY | 14.9% | 34.1% | 0.47 | - |
| Sector ETF (XLF) | 9.3% | 18.6% | 0.37 | 40.2% |
| Equity (SPY) | 13.5% | 17.1% | 0.62 | 28.5% |
| Gold (GLD) | 17.1% | 18.3% | 0.76 | 2.4% |
| Commodities (DBC) | 7.5% | 19.4% | 0.29 | 5.8% |
| Real Estate (VNQ) | 1.9% | 18.9% | 0.00 | 30.8% |
| Bitcoin (BTCUSD) | 11.6% | 54.2% | 0.41 | 10.0% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with MCY | |
|---|---|---|---|---|
| MCY | 11.3% | 31.8% | 0.41 | - |
| Sector ETF (XLF) | 13.0% | 22.2% | 0.54 | 49.3% |
| Equity (SPY) | 15.3% | 18.0% | 0.73 | 40.5% |
| Gold (GLD) | 12.3% | 16.1% | 0.63 | 1.4% |
| Commodities (DBC) | 5.9% | 18.0% | 0.26 | 12.8% |
| Real Estate (VNQ) | 5.3% | 20.7% | 0.22 | 39.3% |
| Bitcoin (BTCUSD) | 60.4% | 66.8% | 1.00 | 9.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Updated 6/8/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 5/5/2026 | -1.5% | 4.4% | 0.1% |
| 2/17/2026 | -9.2% | -10.8% | -8.3% |
| 11/4/2025 | 2.5% | 9.0% | 12.8% |
| 7/29/2025 | 0.7% | 3.0% | 10.6% |
| 5/6/2025 | -3.4% | 5.1% | 9.4% |
| 2/11/2025 | 9.3% | 3.8% | 11.4% |
| 10/29/2024 | 5.0% | -1.2% | 15.3% |
| 7/30/2024 | 1.8% | 1.6% | 10.1% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 15 | 16 | 16 |
| # Negative | 9 | 8 | 8 |
| Median Positive | 2.5% | 5.7% | 10.3% |
| Median Negative | -3.4% | -2.7% | -6.7% |
| Max Positive | 21.6% | 22.4% | 24.1% |
| Max Negative | -11.9% | -20.0% | -20.2% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 5/5/2026 | -1.5% | 4.4% | 0.1% |
| 2/17/2026 | -9.2% | -10.8% | -8.3% |
| 11/4/2025 | 2.5% | 9.0% | 12.8% |
| 7/29/2025 | 0.7% | 3.0% | 10.6% |
| 5/6/2025 | -3.4% | 5.1% | 9.4% |
| 2/11/2025 | 9.3% | 3.8% | 11.4% |
| 10/29/2024 | 5.0% | -1.2% | 15.3% |
| 7/30/2024 | 1.8% | 1.6% | 10.1% |
| 4/30/2024 | 3.9% | 6.3% | 7.1% |
| 2/13/2024 | 6.1% | 22.4% | 18.4% |
| 10/31/2023 | 21.6% | 19.9% | 20.6% |
| 8/1/2023 | -3.8% | -1.3% | -7.4% |
| 5/2/2023 | -0.7% | 1.4% | 0.6% |
| 2/14/2023 | -6.9% | -2.9% | -14.5% |
| 11/1/2022 | 14.1% | 21.1% | 24.1% |
| 8/2/2022 | -11.9% | -20.0% | -20.2% |
| 5/3/2022 | 1.9% | -5.8% | -5.2% |
| 2/15/2022 | 1.1% | 1.9% | 1.3% |
| 11/2/2021 | 2.4% | -2.4% | -6.0% |
| 8/3/2021 | -3.2% | -1.6% | -2.6% |
| 5/4/2021 | 2.1% | 2.2% | -3.9% |
| 2/16/2021 | 3.6% | 9.1% | 12.7% |
| 11/3/2020 | -0.3% | 6.3% | 9.6% |
| 8/3/2020 | 0.5% | 6.2% | 4.2% |
| SUMMARY STATS | |||
| # Positive | 15 | 16 | 16 |
| # Negative | 9 | 8 | 8 |
| Median Positive | 2.5% | 5.7% | 10.3% |
| Median Negative | -3.4% | -2.7% | -6.7% |
| Max Positive | 21.6% | 22.4% | 24.1% |
| Max Negative | -11.9% | -20.0% | -20.2% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/05/2026 | 10-Q |
| 12/31/2025 | 02/17/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 07/29/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 02/11/2025 | 10-K |
| 09/30/2024 | 10/29/2024 | 10-Q |
| 06/30/2024 | 07/30/2024 | 10-Q |
| 03/31/2024 | 04/30/2024 | 10-Q |
| 12/31/2023 | 02/13/2024 | 10-K |
| 09/30/2023 | 10/31/2023 | 10-Q |
| 06/30/2023 | 08/01/2023 | 10-Q |
| 03/31/2023 | 05/02/2023 | 10-Q |
| 12/31/2022 | 02/14/2023 | 10-K |
| 09/30/2022 | 11/01/2022 | 10-Q |
| 06/30/2022 | 08/02/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/05/2026 | 10-Q |
| 12/31/2025 | 02/17/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 07/29/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 02/11/2025 | 10-K |
| 09/30/2024 | 10/29/2024 | 10-Q |
| 06/30/2024 | 07/30/2024 | 10-Q |
| 03/31/2024 | 04/30/2024 | 10-Q |
| 12/31/2023 | 02/13/2024 | 10-K |
| 09/30/2023 | 10/31/2023 | 10-Q |
| 06/30/2023 | 08/01/2023 | 10-Q |
| 03/31/2023 | 05/02/2023 | 10-Q |
| 12/31/2022 | 02/14/2023 | 10-K |
| 09/30/2022 | 11/01/2022 | 10-Q |
| 06/30/2022 | 08/02/2022 | 10-Q |
| 03/31/2022 | 05/03/2022 | 10-Q |
| 12/31/2021 | 02/15/2022 | 10-K |
| 09/30/2021 | 11/02/2021 | 10-Q |
| 06/30/2021 | 08/03/2021 | 10-Q |
| 03/31/2021 | 05/04/2021 | 10-Q |
| 12/31/2020 | 02/16/2021 | 10-K |
| 09/30/2020 | 11/03/2020 | 10-Q |
| 06/30/2020 | 08/04/2020 | 10-Q |
| 03/31/2020 | 05/05/2020 | 10-Q |
| 12/31/2019 | 02/12/2020 | 10-K |
| 09/30/2019 | 10/29/2019 | 10-Q |
| 06/30/2019 | 07/30/2019 | 10-Q |
Recent Forward Guidance
Updated 6/1/2026Latest: Q1 2026 Earnings Reported 5/5/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q2 2026 Dividends | 0.32 | 0 | Same New | Actual: 0.32 for Q1 2026 | |||
Prior: Q4 2025 Earnings Reported 2/17/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q1 2026 Dividends | 0.32 | 0.0% | Same New | Actual: 0.32 for Q4 2025 | |||
Insider Activity
Updated 4/26/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Braunegg, George Gwyer | Direct | Buy | 12112025 | 90.42 | 552 | 49,912 | 276,052 | Form | |
| 2 | Joseph, Victor George | President & COO | Direct | Buy | 5282025 | 59.95 | 15,000 | 899,252 | 900,750 | Form |
| 3 | Zhang, Ximeng Simon | See Remarks | Direct | Buy | 5192025 | 61.91 | 1,500 | 92,866 | 92,866 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Braunegg, George Gwyer | Direct | Buy | 12112025 | 90.42 | 552 | 49,912 | 276,052 | Form | |
| 2 | Joseph, Victor George | President & COO | Direct | Buy | 5282025 | 59.95 | 15,000 | 899,252 | 900,750 | Form |
| 3 | Zhang, Ximeng Simon | See Remarks | Direct | Buy | 5192025 | 61.91 | 1,500 | 92,866 | 92,866 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Property & Casualty Insurance Resources |
| Insurance Journal |
| Business Insurance |
| PropertyCasualty360 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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