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Mercury General(NYSE) MCY

Current Price$106.00
Market Cap$5.89BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1986)+8,395%
5 Year+103%
1 Year+58%
1 Month+4%
Mercury General last closing stock price
MetricPriceDate
Last closeUSD 106.302026-07-20
Mercury General stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.68%USD 110.362026-07-13
1 month+3.54%USD 102.672026-06-18
3 month+11.72%USD 95.152026-04-21
Year to date+13.78%USD 93.432025-12-31
1 year+58.42%USD 67.102025-07-18
3 year+273.89%USD 28.432023-07-21
5 year+102.56%USD 52.482021-07-21
Since inception+8,394.74%USD 1.251986-01-07

Mercury General Financials at a Glance

Market Cap

$5.89BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$6.14B

Net Income (TTM)

$839.84M

EPS (TTM)

$15.16

P/E Ratio

7.01

Dividend

$1.27

Beta (Volatility)

0.55 (Low)

Price

$106.00

Volume

3,533

Open

$106.46

Previous Close

$106.30

Daily Range

$104.73 - $106.46

52-Week Range

$66.57 - $113.06

Estimated Earnings Date

Aug 4, 2026

MCY News

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Mercury General (MCY) Q2 EPS Jumps 145%

Motley Fool Markets TeamJul 30, 2025
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Why Mercury General Stock Soared 26% This Week

Dave KovaleskiNov 5, 2022
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Why Cooper Tire & Rubber, Mercury General, and ON Semiconductor Jumped Today

Dan CaplingerOct 29, 2018
Dividend raises for the holidays

These 3 Stocks Just Raised Their Dividends

Eric VolkmanNov 12, 2017
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3 High-Yield Stocks Dividend Investors Ignore at Their Peril

Dan CaplingerSep 17, 2017

Here's What Bruce Berkowitz at Fairholme Is Buying

Selena MaranjianMay 17, 2012

Mercury General Earnings Preview

Narrative ScienceOct 27, 2011

Meet Tomorrow's New Dividend Kings

Dan CaplingerOct 19, 2011
Page 1

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About Mercury General

Mercury General provides insurance to help people protect their cars and homes from unexpected accidents or damage. Most customers buy these policies through a network of local independent agents. The company focuses on keeping prices competitive for everyday drivers and homeowners.

What Mercury General Offers

  • Private Passenger Automobile: Insurance for personal cars including coverage for collisions, property damage, and medical costs for injuries; accounted for 60% of direct premiums written in 2025.
  • Homeowners Insurance: Coverage for houses, personal belongings, and legal liability for accidents on the property; accounted for 27.3% of direct premiums written in 2025.
  • Commercial Automobile: Insurance policies for vehicles used by businesses; accounted for 6.5% of direct premiums written in 2025.
  • Mechanical Protection: Service contracts that pay for vehicle repairs after a mechanical breakdown.
  • Umbrella Insurance: Extra liability protection that provides additional coverage beyond the limits of standard car or home policies.

Recent Growth and Strategic Moves

  • Expanded the independent agent network in 2025 through several new distribution partnerships.
  • Converted American Mercury Lloyds Insurance Company into a stock company called Mercury Insurance Company of Texas in August 2025.
  • Formed Mercury Shanghai in 2024 to provide software development and technical services to other company branches.
  • Established Upper Animas Holdings LLC in 2024 as a specialized investment vehicle.

How the Company Stands Out

The company maintains a deep concentration in California, where it generated 82.1% of its total direct premiums in 2025. It uses a hybrid sales model that combines a large network of over 8,500 independent agents with direct digital sales portals to reach customers.

The Financial Scorecard

  • Gross profit reached $1.3 billion in Q4 2025, up 515.9% from Q4 2024.
  • Net income rose to $202.5 million in Q4 2025, a 100.4% increase year-over-year.
  • Free cash flow grew to $273.9 million in Q4 2025, up 16% from the previous year.
  • Direct premiums written reached nearly $6 billion for the full year 2025, compared to $5.5 billion in 2024.
  • Operating income hit $248.9 million in Q4 2025, up 101.5% from Q4 2024.

The Bottom Line

Mercury General has evolved from a California-focused auto insurer into a multi-state provider of home and business protection. By balancing independent agent relationships with new technical subsidiaries, the company maintains a steady position in the competitive insurance market.

AI Generated • Apr 23, 2026

Industry

Insurance

Sector

Financials

Employees

4,300

CEO

Gabriel Tirador, CPA

Website

www.mercuryinsurance.com

Headquarters

Los Angeles, CA 90010, US

MCY Financials

Key Financial Metrics (TTM)

Gross Margin

43.85%

Operating Margin

16.97%

Net Income Margin

13.68%

Return on Equity

36.48%

Return on Capital

22.09%

Return on Assets

8.51%

Earnings Yield

14.27%

Dividend Yield

1.19%

Payout Ratio

8.38%

Stock Overview

Market Cap

$5.89BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

55.39M

Volume

3.53K

Avg. Volume

275.65K

Financials (TTM)

Gross Profit

$2.69B

Operating Income

$1.04B

EBITDA

$1.15B

Operating Cash Flow

$1.48B

Capital Expenditure

-$62.09M

Free Cash Flow

$1.42B

Cash & ST Invst.

$1.79B

Total Debt

$587.28M

Mercury General Performance Analysis

Mercury General annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 3,643,066,000-8.8%
20232023-12-31USD 4,629,631,00027.1%
20242024-12-31USD 5,475,633,00018.3%
20252025-12-31USD 5,992,468,0009.4%
Mercury General sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-306.0%
Q32025-09-307.2%
Q42025-12-31-3.1%
Q12026-03-310.3%
Mercury General annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -9.26N/A
20232023-12-31USD 1.74N/A
20242024-12-31USD 8.45385.7%
20252025-12-31USD 9.7715.6%
Mercury General sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30253.6%
Q32025-09-3068.1%
Q42025-12-31-27.7%
Q12026-03-31-6.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$1.54B

+10.5%

Gross Profit

$606.86M

+1190.4%

Gross Margin

39.41%

N/A

Market Cap

$5.89BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.37M

N/A

Employees

4,300

N/A

Net Income

$190.42M

+275.8%

EBITDA

$262.31M

+322.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$1.79B

+20.1%

Total Debt

$587.28M

-0.8%

Accounts Receivable

$1.03B

-35.3%

Inventory

$0.00

N/A

Long Term Debt

$587.28M

-0.8%

Short Term Debt

$0.00

N/A

Return on Assets

8.51%

N/A

Return on Invested Capital

30.62%

N/A

Free Cash Flow

$308.80M

+477.2%

Operating Cash Flow

$325.60M

+573.7%

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Questions About MCY

What is the current price of Mercury General?

Mercury General is trading at $106.00 per share.

What is the 52-week range for Mercury General?

Over the past 52 weeks, Mercury General has traded between $66.57 and $113.06.

How much debt does Mercury General have?

As of the most recent reporting period, Mercury General reported total debt of $587.28M.

How much cash does Mercury General have on hand?

Mercury General reported $1.35B in cash and cash equivalents in its most recent financial results.

What is Mercury General’s dividend yield?

Mercury General currently has a dividend yield of 1.19%.

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