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MCY 
Mercury General Corporation (MCY)
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Upturn Advisory Summary
11/13/2025: MCY (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
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 144.14% | Avg. Invested days 66 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.84B USD | Price to earnings Ratio 11.02 | 1Y Target Price 100 |
Price to earnings Ratio 11.02 | 1Y Target Price 100 | ||
Volume (30-day avg) 1 | Beta 1 | 52 Weeks Range 43.54 - 88.54 | Updated Date 11/13/2025 |
52 Weeks Range 43.54 - 88.54 | Updated Date 11/13/2025 | ||
Dividends yield (FY) 1.46% | Basic EPS (TTM) 7.93 |
Earnings Date
Report Date 2025-11-04 | When After Market | Estimate 2.15 | Actual 3.86 |
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 11.02 | Forward PE - | Enterprise Value 4169883364 | Price to Sales(TTM) 0.83 |
Enterprise Value 4169883364 | Price to Sales(TTM) 0.83 | ||
Enterprise Value to Revenue 0.72 | Enterprise Value to EBITDA - | Shares Outstanding 55388627 | Shares Floating 26554416 |
Shares Outstanding 55388627 | Shares Floating 26554416 | ||
Percent Insiders 52.03 | Percent Institutions 47.69 |
Upturn AI SWOT
Mercury General Corporation
Company Overview
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 its offerings and geographic reach.
Core Business Areas
- Personal Automobile: Provides personal automobile insurance coverage, the largest segment of the company's business.
- Homeowners: Offers homeowners insurance covering property damage, liability, and other risks.
- Commercial Auto: Provides insurance coverage for commercial vehicles.
- Other: Includes other lines of business such as mechanical breakdown protection and umbrella insurance.
Leadership and Structure
The leadership team includes Gabriel Tirador, the President and CEO. The organizational structure is typical of a publicly traded insurance company, with various departments overseeing underwriting, claims, finance, and other core functions.
Top Products and Market Share
Key Offerings
- Personal Automobile Insurance: Mercury's core product. It offers various coverage options for vehicle owners. Market share varies by state but is significant in California. Competitors include State Farm, Geico, Progressive, and Allstate. Revenue is difficult to directly determine for a single product line but makes up the majority of total revenue.
- Homeowners Insurance: Coverage for homeowners. Market share is smaller than auto. Competitors include State Farm, Allstate, Liberty Mutual, and Travelers. Revenue is difficult to directly determine for a single product line but is a substantial part of total revenue.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory changes, economic conditions, and catastrophic events.
Positioning
Mercury General Corporation focuses on offering competitive rates and strong customer service, primarily through independent agents. Competitive advantages include its strong presence in key states and its efficient underwriting processes.
Total Addressable Market (TAM)
The TAM for US P&C insurance is estimated to be hundreds of billions of dollars annually. Mercury's positioning allows it to capture a meaningful share, particularly in California and other western states.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in key markets
- Extensive independent agent network
- Competitive pricing strategy
- Efficient underwriting processes
Weaknesses
- Geographic concentration in California
- Exposure to catastrophic events
- Dependence on independent agents
- Sensitivity to interest rate fluctuations
Opportunities
- Expanding into new geographic markets
- Developing new product offerings
- Leveraging technology to improve efficiency
- Acquiring smaller insurance companies
Threats
- Increased competition from larger national insurers
- Regulatory changes impacting pricing and underwriting
- Economic downturns reducing insurance demand
- Rising claims costs due to inflation and catastrophic events
Competitors and Market Share
Key Competitors
- State Farm (N/A-Private)
- Progressive (PGR)
- Allstate (ALL)
- Geico (BRK.A)
Competitive Landscape
Mercury General faces stiff competition from larger national insurers. Its advantages include its focus on independent agents and its strong regional presence, but it faces challenges in competing on price and marketing scale.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is influenced by market conditions, underwriting results, and expansion efforts.
Future Projections: Future growth projections depend on analyst estimates, but are generally expected to be modest and consistent with the overall insurance market.
Recent Initiatives: Recent initiatives may include technology upgrades, new product launches, and geographic expansion efforts.
Summary
Mercury General Corporation is a regional insurance company with a strong presence in California. While it faces challenges from larger competitors and catastrophic risks, it benefits from its independent agent network and competitive pricing. Its dividend history makes it an attractive investment for income-seeking investors. Monitoring claim expenses and geographic diversification is crucial. The company needs to watch out for regulatory and competitive pressures.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Analysis Reports
- Market Research Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on publicly available information.
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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