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Mercury General Corporation (MCY)

Upturn stock ratingUpturn stock rating
$66.05
Last Close (24-hour delay)
Profit since last BUY12.56%
upturn advisory
Strong Buy
BUY since 37 days
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

06/27/2025: MCY (3-star) is a STRONG-BUY. BUY since 37 days. Profits (12.56%). Updated daily EoD!

Upturn Star Rating

ratingratingratingratingrating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Number of Analysts

rating

1 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.

Year Target Price $80

Year Target Price $80

Analyst’s Price TargetsFor last 52 week
$80Target price
Low$43.72
Current$66.05
high$79.51

Analysis of Past Performance

Type Stock
Historic Profit 102.45%
Avg. Invested days 62
Today’s Advisory Strong Buy
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 5.0
Stock Returns Performance Upturn Returns Performance 5.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.66B USD
Price to earnings Ratio 12.8
1Y Target Price 80
Price to earnings Ratio 12.8
1Y Target Price 80
Volume (30-day avg) -
Beta 0.98
52 Weeks Range 43.72 - 79.51
Updated Date 06/29/2025
52 Weeks Range 43.72 - 79.51
Updated Date 06/29/2025
Dividends yield (FY) 1.92%
Basic EPS (TTM) 5.16

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 5.11%
Operating Margin (TTM) -9.69%

Management Effectiveness

Return on Assets (TTM) 2.84%
Return on Equity (TTM) 16.71%

Valuation

Trailing PE 12.8
Forward PE -
Enterprise Value 2965714813
Price to Sales(TTM) 0.65
Enterprise Value 2965714813
Price to Sales(TTM) 0.65
Enterprise Value to Revenue 0.53
Enterprise Value to EBITDA -
Shares Outstanding 55388600
Shares Floating 26561616
Shares Outstanding 55388600
Shares Floating 26561616
Percent Insiders 52.03
Percent Institutions 51.84

Analyst Ratings

Rating 5
Target Price 80
Buy -
Strong Buy 1
Buy -
Strong Buy 1
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Mercury General Corporation

stock logo

Company Overview

overview logo History and Background

Mercury General Corporation was founded in 1961 by George Joseph. It began as an auto insurance provider in California and has since expanded to other states and insurance lines. Significant milestones include its IPO and strategic acquisitions.

business area logo Core Business Areas

  • Personal Automobile: Provides personal auto insurance policies to individuals. This is Mercury's primary line of business, offering coverage for bodily injury, property damage, and other liabilities arising from car accidents.
  • Homeowners: Offers homeowners insurance policies covering damage to property, liability claims, and other related losses.
  • Commercial Auto: Provides commercial auto insurance for businesses, covering vehicles used for commercial purposes.
  • Other: Includes other insurance products such as fire insurance, umbrella insurance, and mechanical breakdown protection.

leadership logo Leadership and Structure

The leadership team is headed by the CEO. The organizational structure is divided into functional departments, including underwriting, claims, sales, and finance.

Top Products and Market Share

overview logo Key Offerings

  • Personal Auto Insurance: Mercury's main product, providing coverage for vehicles. Market share data varies by state; within California, it is a significant player. Competitors include State Farm, Progressive, and GEICO. Revenue from this product is the highest among other offerings.
  • Homeowners Insurance: Provides coverage for homes and personal property. Market share varies by region. Competitors include Allstate, Travelers, and Farmers Insurance.

Market Dynamics

industry overview logo Industry Overview

The property and casualty (P&C) insurance industry is highly competitive and heavily regulated, influenced by factors like interest rates, weather events, and economic conditions.

Positioning

Mercury General Corporation positions itself as a value-oriented insurer, targeting customers who seek competitive rates. Its competitive advantage lies in its agency distribution network and cost-effective operations.

Total Addressable Market (TAM)

The U.S. P&C insurance market is estimated to be in the hundreds of billions of dollars. Mercury captures a small percentage of this TAM, with considerable opportunity for growth.

Upturn SWOT Analysis

Strengths

  • Strong agency distribution network
  • Competitive pricing strategy
  • Established brand recognition in key markets
  • Cost-efficient operations

Weaknesses

  • Geographic concentration in California
  • Limited product diversification compared to larger competitors
  • Vulnerability to regulatory changes
  • Reliance on independent agents

Opportunities

  • Expansion into new geographic markets
  • Development of new insurance products
  • Leveraging technology to improve efficiency
  • Capitalizing on market trends such as increased demand for cyber insurance

Threats

  • Increased competition from larger insurers
  • Rising claims costs due to inflation and extreme weather events
  • Changes in regulatory environment
  • Economic downturn impacting demand for insurance

Competitors and Market Share

competitor logo Key Competitors

  • BRK.B
  • PGR
  • GHL

Competitive Landscape

Mercury competes with larger national insurers and regional players. Its competitive advantage lies in its agency distribution model and focus on specific market segments. It lacks the scale of larger national players.

Growth Trajectory and Initiatives

Historical Growth: Mercury has demonstrated consistent growth over the past decade, primarily driven by organic expansion and strategic initiatives.

Future Projections: Analysts project continued moderate growth for Mercury, driven by increasing demand for insurance and expansion into new markets.

Recent Initiatives: Recent initiatives include investments in technology to improve efficiency, expansion of product offerings, and efforts to enhance the agent network.

Summary

Mercury General Corporation is a stable company with a strong agency distribution network and consistent dividend payouts. It faces increasing competition and must effectively manage rising claim costs. Expansion into new markets and continued investment in technology are critical for future growth. Overall, Mercury is a financially sound insurer with room to improve its market positioning and diversification.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Filings
  • Analyst Reports
  • Industry Data

Disclaimers:

This analysis is based on available information and is not financial advice. Market conditions and company performance can change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 4200

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.