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MCY

Mercury General Corporation

MCY

NYSE·Financial Services·Insurance - Property & Casualty·Mkt cap $6.0B

$109.06

+0.48%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$64.21 - $111.46

P/E

7.19

Fwd P/E

9.59

Beta

0.93

Div Yield

1.17%

Avg Vol

256.3K

Shares Out

55.4M

Mkt Cap

$6.0B

Price action

Price chart

Up 64.9% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

4 reasons

  • Established independent agent distribution network with direct-to-consumer digital capabilities
  • Efficient underwriting and claims processing operations reducing operational costs
  • Strong brand recognition and customer loyalty in core markets across 11 states
  • Diversified product portfolio reducing dependency on single insurance line

Bear Case

1 risk

  • Average volatility.

Growth

Stable outlook

Geographic expansion into new states and underserved markets

Value

Attractively priced below Property & Casualty Insurance peer average

Momentum

Hot

+23.1% over 3m

Quality

Strong

Exceptional business - top-tier fundamentals

Dividend

Modest

1.17% yield

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: May 4, 2026

Q2 26 RECAP

MAY 5, 2026

Reported EPS of $3.50 vs $2.15 consensus (+62.8% surprise). Revenue of $1.6B vs $1.5B expected (+6.1%). Beat on both top and bottom lines.

EPS beat +62.8%
Rev beat +6.1%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+62.8%

Next: May 4, 2026

Revenue trend · last 8Q

-1%

+10%

+13%

+4%

+13%

+10%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$1.3B

$1.5B

$1.4B

$1.4B

$1.5B

$1.6B

$1.5B

$1.5B

Margins · last 8Q

Gross

Operating

Profit

12.4%

Wall Street consensus

Analyst coverage

Live ratings and price targets aggregated across covering analysts.

No analyst coverage on file for this stock yet.

vs Industry

How MCY stacks vs Insurance - Property & Casualty

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.