MCY Share Price | Mercury General Corp. Stock Analysis & Recommendation

Q: How big is Mercury General Corp.?

Market Cap: As of Jun 18, Mercury General Corp. has a market capitalization of 3,561.49 million, categorizing it as a Small Cap company.Recent Quarterly Performance: For the latest four quarters, Mercury General Corp. reported net sales of 0.00 million and a net profit of 286.17 million.Balance Sheet Snapshot: As of Dec'24, the company reported shareholder's funds of 1,946.52 million and total assets of 8,380.03 million.

Q: What does Mercury General Corp. do?

Overview:Mercury General Corporation is an insurance holding company engaged in writing personal automobile insurance and other insurance products, primarily in the insurance industry and classified as a small-cap company.Financial Snapshot:- Most recent Net Profit: -108 Million (Quarterly Results - Mar 2025)- Market-cap: USD 3,561.49 Million (Small Cap)Key Metrics:- P/E: 13.00- Dividend Yield: 0.00%- Debt Equity: -999,999.00- Return on Equity: 15.72%- Price to Book: 1.96Contact Details:- Address: 4484 WILSHIRE BLVD, LOS ANGELES CA: 90010- Tel: 1 213 9371060- Website: https://www.mercuryinsurance.com/

Q: Is Mercury General Corp. overvalued or undervalued?

As of 29 July 2025, Mercury General Corp. has moved from fair to attractive in its valuation grade, indicating an improvement in its investment appeal. The company appears undervalued, particularly when considering its P/E ratio of 13, which is significantly lower than the peer average of 15.03 for American Financial Group, Inc. and 19.44 for The Hanover Insurance Group, Inc. Additionally, the PEG ratio of 0.38 suggests that the stock is priced favorably relative to its growth potential.In comparison to its peers, Mercury General Corp. shows a compelling valuation with an EV to EBITDA of 36.90, which, while high, is offset by its attractive P/E ratio. The company has outperformed the S&P 500 in various time frames, with a year-to-date return of 19.30% compared to the S&P 500's 12.22%, and a one-year return of 33.14% versus 17.14%. This performance reinforces the notion that the stock is currently undervalued relative to its growth prospects and market performance.

Q: Is Mercury General Corp. technically bullish or bearish?

As of 24 October 2025, the technical trend for Mercury General Corp. has changed from bullish to mildly bullish. The weekly MACD is bullish, and the monthly MACD is also bullish, indicating positive momentum. The Bollinger Bands are mildly bullish on both weekly and monthly time frames, while the daily moving averages are mildly bullish as well. However, the KST shows a mixed signal with a bullish weekly reading and a mildly bearish monthly reading. The Dow Theory indicates a bullish monthly trend but no trend on the weekly basis. In terms of performance, the stock has underperformed the S&P 500 over the past week and month, with returns of -0.65% and -3.15% compared to 1.92% and 2.32% for the index, respectively. However, it has outperformed the S&P 500 year-to-date and over the last three years. Overall, the current technical stance is mildly bullish, driven by positive momentum indicators despite some mixed signals.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

71.76 k

Shareholding (Sep 2025)

FII

4.73%

Held by 111 FIIs

DII

73.19%

Held by 27 DIIs

Promoter

0.02%

How big is Mercury General Corp.?

22-Jun-2025

As of Jun 18, Mercury General Corp. has a market capitalization of $3,561.49 million, with shareholder's funds of $1,946.52 million and total assets of $8,380.03 million.

View full answer

What does Mercury General Corp. do?

22-Jun-2025

Mercury General Corporation is an insurance holding company that primarily writes personal automobile insurance and other insurance products. As of March 2025, it has a market cap of approximately $3.56 billion and reported a net profit loss of $108 million.

View full answer

Who are in the management team of Mercury General Corp.?

22-Jun-2025

As of March 2022, the management team of Mercury General Corp. includes Chairman George Joseph, CEO Gabriel Tirador, Lead Independent Director Martha Marcon, and Independent Directors George Braunegg, Ramona Cappello, James Ellis, and Joshua Little. They oversee the company's operations and strategic direction.

View full answer

Is Mercury General Corp. overvalued or undervalued?

20-Sep-2025

As of July 29, 2025, Mercury General Corp. is considered an attractive investment due to its undervalued P/E ratio of 13 compared to peers, a favorable PEG ratio of 0.38, and strong performance, outperforming the S&P 500 with a year-to-date return of 19.30%.

View full answer

Is Mercury General Corp. technically bullish or bearish?

28-Oct-2025

As of October 24, 2025, Mercury General Corp. shows a mildly bullish trend with positive momentum indicators, despite recent underperformance against the S&P 500, while maintaining a bullish monthly outlook according to Dow Theory.

View full answer

Compare Mercury General Corp. with Similar Stocks

SiriusPoint Ltd.NMI Holdings, Inc.Kemper Corp.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

MarketsMojo — Loved in India, Now Global

The power of Mojo is now in 29 countries. Explore global equities with the same cutting-edge features you love.Unlock 29 Markets

Dashboard

Poor long term growth as Operating profit has grown by an annual rate of 0%

The company declared negative results in Mar'25 after positive results in Dec'24

With ROE of 15.72%, it has a attractive valuation with a 1.99 Price to Book Value

Market Beating performance in long term as well as near term

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

USD 4,907 Million (Small Cap)

P/E

13.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-999,999.00

Return on Equity

19.69%

Price to Book

2.20

Revenue and Profits:

Net Sales:

(Quarterly Results - Sep 2025)

Net Profit:

280 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

8.34%

6 Months

21.59%

1 Year

70.67%

2 Years

112.4%

3 Years

143.08%

4 Years

64.12%

5 Years

60.15%

Mercury General Corp. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

9.35%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

16.66%

Dividend Payout Ratio

15.03%

Pledged Shares

Institutional Holding

53.21%

ROCE (avg)

ROE (avg)

11.73%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.99

EV to EBIT

EV to EBITDA

36.90

EV to Capital Employed

3.00

EV to Sales

0.48

PEG Ratio

0.38

Dividend Yield

ROCE (Latest)

ROE (Latest)

15.72%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Bullish

OBV

Mildly Bullish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 66 Schemes (22.02%)

Foreign Institutions

Held by 111 Foreign Institutions (4.73%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Sep'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Sep 2025 is 0.00% vs 0.00% in Sep 2024",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Sep 2025 is 21.44% vs 2,915.85% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'25",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "18.80",
          "val2": "19.10",
          "chgp": "-1.57%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "7.20",
          "val2": "7.70",
          "chgp": "-6.49%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "280.40",
          "val2": "230.90",
          "chgp": "21.44%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "225.60%",
          "val2": "192.60%",
          "chgp": "3.30%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 385.98% vs 118.78% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "73.40",
          "val2": "72.20",
          "chgp": "1.66%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "30.80",
          "val2": "24.20",
          "chgp": "27.27%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "468.00",
          "val2": "96.30",
          "chgp": "385.98%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "110.60%",
          "val2": "26.70%",
          "chgp": "8.39%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

Quarterly Results Snapshot (Consolidated) - Sep'25 - YoY

Sep'25

Sep'24

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

18.80

19.10

-1.57%

Interest

7.20

7.70

-6.49%

Exceptional Items

0.00

Consolidate Net Profit

280.40

230.90

21.44%

Operating Profit Margin (Excl OI)

225.60%

192.60%

3.30%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Sep 2025 is 0.00% vs 0.00% in Sep 2024

Consolidated Net Profit

YoY Growth in quarter ended Sep 2025 is 21.44% vs 2,915.85% in Sep 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

73.40

72.20

1.66%

Interest

30.80

24.20

27.27%

Exceptional Items

0.00

Consolidate Net Profit

468.00

96.30

385.98%

Operating Profit Margin (Excl OI)

110.60%

26.70%

8.39%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 385.98% vs 118.78% in Dec 2023

All Annual Results

Company CV

About Mercury General Corp.

Mercury General Corp.

Insurance

Mercury General Corporation is an insurance holding company. As of December 31, 2016, the Company and its subsidiaries were engaged in writing personal automobile insurance through 14 insurance subsidiaries in 11 states, principally California. Its segments include Property and Casualty Lines, and Other Lines. Its Property and Casualty segment offers various insurance products to its individual customers and small business customers. Its Other segment offers automobile mechanical breakdown warranties, which are sold through automobile dealerships and credit unions. It also writes homeowners, commercial automobile, commercial property, mechanical breakdown and umbrella insurance. Its insurance policies are sold through independent agents. As of December 31, 2016, it sold its policies through approximately 9,700 independent agents, its owned insurance agencies, Auto Insurance Specialists LLC and PoliSeek AIS Insurance Solutions, Inc., and directly through Internet sales portals.

Company Coordinates

Company Details

4484 WILSHIRE BLVD , LOS ANGELES CA : 90010

Tel: 1 213 9371060

https://www.mercuryinsurance.com/

Registrar Details

Mercury General Corp.

1Day

52 Week

CASH

FII

DII

Promoter

How big is Mercury General Corp.?

Watch in Real-Time

What does Mercury General Corp. do?

Who are in the management team of Mercury General Corp.?

Is Mercury General Corp. overvalued or undervalued?

Is Mercury General Corp. technically bullish or bearish?

Compare Mercury General Corp. with Similar Stocks

MarketsMojo — Loved in India, Now Global

Dashboard

Poor long term growth as Operating profit has grown by an annual rate of 0%

The company declared negative results in Mar'25 after positive results in Dec'24

With ROE of 15.72%, it has a attractive valuation with a 1.99 Price to Book Value

Market Beating performance in long term as well as near term

Mojo Parameters

Stock DNA

Total Returns (Price + Dividend)

Risk Adjusted Returns v/s

News

Announcements

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

Quarterly Results Snapshot (Consolidated) - Sep'25 - YoY

Annual Results Snapshot (Consolidated) - Dec'24

About Mercury General Corp.

Company Coordinates