Mercury General (MCY) Stock Price, News & Analysis

Company Overview

Mercury General Corporation is a property and casualty insurance company best known for its personal auto insurance. Through its insurance subsidiaries, the company also offers homeowners, renters, commercial auto, and other insurance products, including umbrella coverage.

Founded in 1961, Mercury distributes policies through independent agents and direct-to-consumer channels. California is its primary market, and the company also serves customers in other U.S. states.

Key Stats

• Today's Range: $85.57 to $87.40
• 50-Day Range: $82.44 to $106.87
• 52-Week Range: $81.64 to $113.06
• Volume: 223,076 shs
• Average Volume: 338,654 shs
• Market Capitalization: $4.79 billion
• P/E Ratio: 7.44
• Dividend Yield: 1.47%
• Price Target: $100.00
• Consensus Rating: Moderate Buy

Mercury General Stock Analysis - MarketRank™

Mercury General scored higher than 81% of companies evaluated by MarketBeat, and ranked 321st out of 851 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: 3.2 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Mercury General has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 1 strong buy rating, no buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Mercury General has a consensus price target of $100.00, representing about 15.8% upside from its current price of $86.39.

Amount of Analyst Coverage

Mercury General has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: -13.66%

Earnings Growth

Earnings for Mercury General are expected to decrease by -13.66% in the coming year, from $13.32 to $11.50 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Mercury General is 7.44, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.41.

Price to Earnings Ratio vs. Sector

The P/E ratio of Mercury General is 7.44, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.73.

Price to Book Value per Share Ratio

Mercury General has a P/B Ratio of 1.71. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

4.90% 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 7.08.

Change versus previous month

Short interest in Mercury General has recently increased by 10.12%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Mercury General pays a meaningful dividend of 1.47%, 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 10.94%. 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 11.04% next year. This indicates that Mercury General will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 0.19

News Sentiment

Mercury General has a news sentiment score of 0.19. 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 0.66 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for Mercury General this week, compared to 3 articles on an average week.

Search Interest

6 people have searched for MCY on MarketBeat in the last 30 days. This is an increase of 100% compared to the previous 30 days.

MarketBeat Follows

3 people have added Mercury General to their MarketBeat watchlist in the last 30 days. This is an increase of 50% compared to the previous 30 days.

Company Ownership

• Score: 3.4 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $62,018.00 in company stock, which represents 0.0013% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Mercury General insiders have bought more of their company's stock than they have sold. Specifically, they have bought $62,018.00 in company stock and sold $0.00 in 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.

Company Calendar

• Record date for 9/24 Dividend: 9/10/2026
• Ex-Dividend for 9/24 Dividend: 9/10/2026
• Dividend Payable: 9/24/2026
• Last Earnings: 11/03/2026
• Today: 11/14/2026
• Record date for 12/31 Dividend: 12/17/2026
• Ex-Dividend for 12/31 Dividend: 12/17/2026
• Dividend Payable: 12/31/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Insurance
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NYSE:MCY
• CIK: 64996
• Web: www.mercuryinsurance.com
• Phone: (323) 857-4980
• Fax: 323-857-7116
• Employees: 4,300
• Year Founded: 1962

Price Target and Rating

• Average Price Target for Mercury General: $100.00
• High Price Target: $100.00
• Low Price Target: $100.00
• Potential Upside/Downside: +15.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $11.61
• Trailing P/E Ratio: 7.44
• Forward P/E Ratio: 7.51
• P/E Growth: N/A
• Net Income: $541.09 million
• Net Margins: 10.47%
• Pretax Margin: 12.85%
• Return on Equity: 29.48%
• Return on Assets: 7.79%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 0.38
• Quick Ratio: 0.38

Sales & Book Value

• Annual Sales: $5.99 billion
• Price / Sales: 0.80
• Cash Flow: $9.25 per share
• Price / Cash Flow: 9.34
• Book Value: $50.64 per share
• Price / Book: 1.71

Miscellaneous

• Outstanding Shares: 55,390,000
• Free Float: 35,726,000
• Market Cap: $4.79 billion
• Optionable: Optionable
• Beta: 0.93