Mercury General Corporation (MCY) is a Financials stock trading at $105.78 (as of 2026-08-21), with a market capitalization of $5.86B and a trailing P/E of 7.0. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. The company also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance products. Its automobile insurance products include collision, property damage, bodily injury, comprehensive, personal injury protection, underinsured and uninsured motorist, and other hazards; and homeowners insurance products comprise dwelling, liability, personal property, fire, and other hazards. The company sells its policies through a network of independent agents and insurance agencies, as well as directly through internet sales portals in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. Mercury General Corporation was founded in 1961 and is headquartered in Los Angeles, California.
Mercury General writes personal automobile insurance in the United States, and also offers homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance. It makes money by selling these insurance policies and collecting premiums, then paying claims and expenses when losses occur.
Insurance profits are primarily determined by the balance between premiums collected and the level and timing of claims (including catastrophe losses), with reinsurance recoveries influencing the net outcome.
Business quality (Mixed): The provided operating KPIs focus on policy scale (policies in force) and specific catastrophe claim flows (wildfire payments, reinsurance billing and receipts), but the input set does not include a clean reportable segment revenue breakdown.
Valuation: At 7× earnings, MCY trades 46% below the Insurance average (13×). Note: one-time items can distort reported P/E.
| Price | $105.78 |
| Market Cap | $5.86B |
| P/E Ratio | 7.0 |
| EV / EBITDA | 4.0 |
| Price / Book | 2.26 |
| Price / Sales | 0.95 |
| FCF Yield | 24.2% |
| DCF Value (model) | $223.49 |
| DCF Upside vs Price | 111.3% |
| Revenue (TTM) | $5.99B |
| Net Margin | 9.0% |
| Revenue Growth (YoY) | 10.5% |
| EPS Growth (YoY) | -275.5% |
| FCF Growth (YoY) | -477.2% |
| Stock P/E | 7.0 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Insurance) | 13.0 |
| vs Sector | -53.8% |
| vs Industry | -46.5% |
| Top Institutional Holder | BlackRock, Inc. ($380.56M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Insurance |
| CEO | Gabriel Tirador |
| Employees | 4,200 |
| Country | US |
| IPO Date | 1985-11-20 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.