Mercury General (MCY) Stock Price, News & Analysis

Company Overview

Mercury General Corporation (NYSE: MCY) is a diversified property and casualty insurer that primarily underwrites personal automobile policies. Since its founding in 1961, the company has expanded its offerings to include homeowners, condo, renters and commercial auto coverage. Mercury General has built a reputation for competitive rates, policy customization and responsive claims handling, positioning itself as a leading choice for drivers and homeowners seeking tailored insurance solutions.

In addition to its core auto insurance business, Mercury General provides a range of ancillary products such as boat, motorcycle and umbrella liability insurance. The company’s product portfolio extends to small business coverage, including general liability and business property policies. By offering bundled options and multi-policy discounts, Mercury General aims to deepen customer relationships while addressing evolving risk management needs of individuals and enterprises alike.

Mercury General conducts its operations across multiple states, with a strong presence in California, Florida, Illinois, New Jersey, Oklahoma and Texas. The company distributes its products through a network of independent agents, enabling localized service and expert risk evaluation. This agent-based model supports Mercury General’s commitment to personalized policy advice, swift claims processing and ongoing customer education on coverage options.

Originally founded by insurance entrepreneur George Joseph, Mercury General remains headquartered in Los Angeles, California. George Joseph has served in leadership roles since inception and is widely recognized for shaping the company’s growth strategy. Today, Mercury General is led by President and Chief Executive Officer Jonathan E. Adkins, whose tenure focuses on digital innovation, operational efficiency and geographic expansion to meet the changing demands of insured customers.

Key Stats

• Today's Range: $65.26 to $66.55
• 50-Day Range: $56.82 to $67.31
• 52-Week Range: $44.19 to $80.72
• Volume: 214,166 shs
• Average Volume: 419,700 shs
• Market Capitalization: $3.66 billion
• P/E Ratio: 12.79
• Dividend Yield: 1.92%
• Price Target: $80.00
• Consensus Rating: Strong Buy

Mercury General Stock Analysis - MarketRank™

Mercury General scored higher than 68% of companies evaluated by MarketBeat, and ranked 423rd out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Strong Buy

Amount of Analyst Coverage

Mercury General has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: Growing

Earnings Growth

Earnings for Mercury General are expected to grow in the coming year, from ($0.50) to $5.25 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Mercury General is 12.79, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.92.

Price to Earnings Ratio vs. Sector

The P/E ratio of Mercury General is 12.79, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

Mercury General has a P/B Ratio of 1.88. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

5.27% of the float of Mercury General has been sold short.

Short Interest Ratio / Days to Cover

Mercury General has a short interest ratio ("days to cover") of 4.3.

Change versus previous month

Short interest in Mercury General has recently decreased by 7.89%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Mercury General pays a meaningful dividend of 1.92%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Mercury General does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Mercury General is 24.61%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Mercury General will have a dividend payout ratio of 24.19% next year. This indicates that Mercury General will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.2 / 5
• Environmental Score: -0.82

Percentage of Shares Shorted

5.27% of the float of Mercury General has been sold short.

Short Interest Ratio / Days to Cover

Mercury General has a short interest ratio ("days to cover") of 4.3.

Change versus previous month

Short interest in Mercury General has recently decreased by 7.89%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.4 / 5
• News Sentiment: 0.45

News Sentiment

Mercury General has a news sentiment score of 0.45. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Mercury General this week, compared to 6 articles on an average week.

Search Interest

Only 16 people have searched for MCY on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Mercury General insiders have not sold or bought any company stock.

Percentage Held by Insiders

35.50% of the stock of Mercury General is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

42.39% of the stock of Mercury General is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

MCY Stock Analysis - Frequently Asked Questions

How have MCY shares performed this year?

Mercury General's stock was trading at $66.48 at the beginning of 2025. Since then, MCY shares have decreased by 0.7% and is now trading at $66.00.

How were Mercury General's earnings last quarter?

Mercury General Corporation (NYSE:MCY) announced its earnings results on Tuesday, May, 6th. The insurance provider reported ($2.29) EPS for the quarter, topping analysts' consensus estimates of ($4.00) by $1.71. The insurance provider had revenue of $1.31 billion for the quarter, compared to the consensus estimate of $1.36 billion. Mercury General had a trailing twelve-month return on equity of 12.52% and a net margin of 5.11%.

Who are Mercury General's major shareholders?

Mercury General's top institutional investors include Wealth Enhancement Advisory Services LLC (0.02%), Pallas Capital Advisors LLC (0.01%) and Farther Finance Advisors LLC. Insiders that own company stock include Joshua Eric Little, Mark Allan Ribisi, Mark Allan Ribisi and Heidi C Sullivan.
View institutional ownership trends.

How do I buy shares of Mercury General?

Shares of MCY stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Mercury General own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Mercury General investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Arista Networks (ANET), Adobe (ADBE), e.l.f. Beauty (ELF) and Jabil (JBL).

Company Calendar

• Last Earnings: 5/06/2025
• Record date for 6/26 Dividend: 6/12/2025
• Ex-Dividend for 6/26 Dividend: 6/12/2025
• Dividend Payable: 6/26/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: INS - PROP&CASLTY
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NYSE:MCY
• CIK: 64996
• Web: www.mercuryinsurance.com
• Phone: (323) 937-1060
• Fax: 323-857-7116
• Employees: 4,200
• Year Founded: 1962

Price Target and Rating

• Average Price Target for Mercury General: $80.00
• High Price Target: $80.00
• Low Price Target: $80.00
• Potential Upside/Downside: +21.2%
• Consensus Rating: Strong Buy
• Rating Score (0-4): 4.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.16
• Trailing P/E Ratio: 12.79
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $467.95 million
• Net Margins: 5.11%
• Pretax Margin: 6.14%
• Return on Equity: 12.52%
• Return on Assets: 2.74%

Debt

• Debt-to-Equity Ratio: 0.32
• Current Ratio: 0.51
• Quick Ratio: 0.51

Sales & Book Value

• Annual Sales: $5.48 billion
• Price / Sales: 0.67
• Cash Flow: $8.48 per share
• Price / Cash Flow: 7.78
• Book Value: $35.15 per share
• Price / Book: 1.88

Miscellaneous

• Outstanding Shares: 55,390,000
• Free Float: 35,726,000
• Market Cap: $3.66 billion
• Optionable: Optionable
• Beta: 0.96