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MCY 
Mercury General Corporation (MCY)
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Upturn Advisory Summary
12/23/2025: MCY (3-star) is a STRONG-BUY. BUY since 29 days. Simulated Profits (9.15%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $100
1 Year Target Price $100
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 166.3% | Avg. Invested days 70 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 12/23/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.26B USD | Price to earnings Ratio 11.97 | 1Y Target Price 100 |
Price to earnings Ratio 11.97 | 1Y Target Price 100 | ||
Volume (30-day avg) 1 | Beta 0.98 | 52 Weeks Range 43.39 - 96.50 | Updated Date 12/23/2025 |
52 Weeks Range 43.39 - 96.50 | Updated Date 12/23/2025 | ||
Dividends yield (FY) 1.33% | Basic EPS (TTM) 7.93 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.56% | Operating Margin (TTM) 22.56% |
Management Effectiveness
Return on Assets (TTM) 3.99% | Return on Equity (TTM) 21.47% |
Valuation
Trailing PE 11.97 | Forward PE - | Enterprise Value 4612992380 | Price to Sales(TTM) 0.9 |
Enterprise Value 4612992380 | Price to Sales(TTM) 0.9 | ||
Enterprise Value to Revenue 0.79 | Enterprise Value to EBITDA - | Shares Outstanding 55388627 | Shares Floating 26555523 |
Shares Outstanding 55388627 | Shares Floating 26555523 | ||
Percent Insiders 52.03 | Percent Institutions 47.32 |
Upturn AI SWOT
Mercury General Corporation
Company Overview
History and Background
Mercury General Corporation was founded in 1961 by Gabriel Tigerman. It began as a small insurance agency and has grown into a publicly traded company specializing in automobile insurance. Key milestones include its expansion into multiple states and the development of various insurance products beyond auto.
Core Business Areas
- Automobile Insurance: Offers a range of private passenger automobile insurance coverage, including liability, collision, comprehensive, and uninsured motorist protection. Focuses on preferred and non-standard auto insurance.
- Homeowners Insurance: Provides property and casualty insurance for homeowners, including coverage for dwelling, personal property, liability, and loss of use.
- Commercial Insurance: Offers commercial automobile insurance and other commercial property and casualty coverages for businesses.
Leadership and Structure
Mercury General Corporation is led by its Board of Directors and executive management team. George Joseph is the Chairman of the Board and CEO. The company operates through its subsidiaries, which underwrite and market its insurance products.
Top Products and Market Share
Key Offerings
- Private Passenger Automobile Insurance: The primary product offering, catering to a broad spectrum of drivers. While specific market share figures for individual products are not readily available, the company is a significant player in the auto insurance market, particularly in California and other Western states. Key competitors include GEICO, State Farm, Progressive, and Allstate.
- Homeowners Insurance: Offers comprehensive homeowners insurance policies. Competitors include major insurance providers like State Farm, Allstate, and Farmers Insurance.
- Commercial Automobile Insurance: Provides insurance solutions for businesses operating vehicles. Competitors in this segment include Liberty Mutual, The Hartford, and Travelers.
Market Dynamics
Industry Overview
The property and casualty insurance industry, particularly auto insurance, is highly competitive and subject to various economic, regulatory, and environmental factors. Trends include the increasing adoption of telematics for usage-based insurance, rising repair costs, and the impact of climate change on property insurance.
Positioning
Mercury General Corporation is positioned as a provider of affordable and reliable insurance, particularly for private passenger automobiles. Its competitive advantages include a long-standing history, a focus on underwriting discipline, and strong customer service, especially in its core markets. The company's ability to cater to both preferred and non-standard auto risks allows it to capture a diverse customer base.
Total Addressable Market (TAM)
The TAM for the US auto insurance market is in the hundreds of billions of dollars annually. Mercury General Corporation, while a significant player, holds a relatively small percentage of the overall market share. The company is well-positioned to capture growth within its targeted segments and geographic areas.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and established customer base in core markets.
- History of underwriting profitability and financial stability.
- Focus on cost containment and operational efficiency.
- Diversified product portfolio within property and casualty insurance.
Weaknesses
- Limited geographic diversification, heavily reliant on California.
- Potential vulnerability to catastrophic weather events impacting property insurance.
- Competition from larger, more technologically advanced insurers.
- Pace of innovation in digital customer experience compared to some peers.
Opportunities
- Expansion into new geographic markets.
- Leveraging technology to enhance customer engagement and streamline operations.
- Growth in commercial insurance lines.
- Potential for strategic partnerships or acquisitions.
Threats
- Increasing competition and price pressures from established and new market entrants.
- Rising claims costs due to inflation, supply chain issues, and accident frequency.
- Changes in regulatory environments.
- Natural disasters and their impact on underwriting results.
Competitors and Market Share
Key Competitors
- GEICO (BRK.A, BRK.B)
- State Farm
- Progressive (PGR)
- Allstate (ALL)
Competitive Landscape
Mercury General Corporation competes in a fragmented but consolidated market. Its advantages lie in its specialized focus and operational efficiency. However, it faces disadvantages in terms of scale and marketing reach compared to its largest competitors. Differentiation through pricing, customer service, and underwriting expertise is crucial for its success.
Growth Trajectory and Initiatives
Historical Growth: Mercury General Corporation has experienced steady, albeit moderate, growth in revenue and profits historically, driven by its core auto insurance business. Expansion into new states and product lines has contributed to this growth.
Future Projections: Analyst projections for Mercury General Corporation typically focus on continued growth in its established markets, with potential upside from disciplined underwriting and product expansion. Factors such as market competition and regulatory changes will influence future performance.
Recent Initiatives: Recent initiatives may include technological enhancements for customer service, optimizing claims processing, and strategic adjustments to underwriting guidelines to adapt to market conditions and evolving risk profiles.
Summary
Mercury General Corporation is a stable insurer with a strong track record in its core auto insurance business. Its consistent revenue growth and improving profitability highlight its operational efficiency and disciplined underwriting. However, its heavy reliance on California and competition from larger players present challenges. The company needs to focus on strategic diversification and embracing technological advancements to sustain long-term growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (SEC)
- Financial Data Providers (e.g., Yahoo Finance, Bloomberg)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not intended as financial advice. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Mercury General Corporation
Exchange NYSE | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 1990-03-26 | CEO & Director Mr. Gabriel Tirador | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 4200 | Website https://www.mercuryinsurance.com |
Full time employees 4200 | Website https://www.mercuryinsurance.com | ||
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, and other coverages. 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 incorporated in 1961 and is headquartered in Los Angeles, California.
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