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Upturn AI SWOT - About
MCY 
Mercury General Corporation (MCY)
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Upturn Advisory Summary
09/17/2025: 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 $90
1 Year Target Price $90
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 139.02% | Avg. Invested days 74 | 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 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.30B USD | Price to earnings Ratio 11.03 | 1Y Target Price 90 |
Price to earnings Ratio 11.03 | 1Y Target Price 90 | ||
Volume (30-day avg) 1 | Beta 1 | 52 Weeks Range 43.54 - 79.66 | Updated Date 09/17/2025 |
52 Weeks Range 43.54 - 79.66 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 1.64% | Basic EPS (TTM) 7.04 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.76% | Operating Margin (TTM) 14.48% |
Management Effectiveness
Return on Assets (TTM) 3.75% | Return on Equity (TTM) 21.56% |
Valuation
Trailing PE 11.03 | Forward PE - | Enterprise Value 3768302000 | Price to Sales(TTM) 0.75 |
Enterprise Value 3768302000 | Price to Sales(TTM) 0.75 | ||
Enterprise Value to Revenue 0.65 | Enterprise Value to EBITDA - | Shares Outstanding 55388627 | Shares Floating 26554416 |
Shares Outstanding 55388627 | Shares Floating 26554416 | ||
Percent Insiders 52.03 | Percent Institutions 47.68 |
Upturn AI SWOT
Mercury General Corporation
Company Overview
History and Background
Mercury General Corporation was founded in 1961 by George Joseph. Initially focused on auto insurance in California, it expanded geographically and into other insurance lines. Significant milestones include becoming a publicly traded company and diversifying its product offerings.
Core Business Areas
- Personal Automobile Insurance: Provides coverage for bodily injury and property damage caused by accidents, as well as uninsured/underinsured motorist coverage, medical payments, and collision/comprehensive coverage.
- Homeowners Insurance: Offers coverage for damage or loss to a home and its contents, as well as liability coverage for injuries or damages caused to others on the property.
- Commercial Auto Insurance: Provides insurance coverage for businesses that operate vehicles for commercial purposes.
- Other: Includes other lines of business such as umbrella insurance and mechanical breakdown protection (MBP).
Leadership and Structure
The company is led by Gabriel Tirador, the CEO and President. It has a traditional hierarchical structure with various departments overseeing different aspects of the business, including underwriting, claims, finance, and marketing.
Top Products and Market Share
Key Offerings
- Personal Automobile Insurance: This is Mercury General's primary product, offering coverage for vehicles. Market share varies by state but is significant in California. Competitors include State Farm, Progressive, GEICO, and Allstate.
- Homeowners Insurance: Protects homeowners from property damage and liability. Market share is smaller than auto insurance but growing. Competitors include State Farm, Allstate, Travelers, and Farmers.
- Commercial Auto Insurance: Provides coverage for businesses that use vehicles. Mercury's market share is relatively small compared to the personal auto insurance market. Competitors include Progressive, The Hartford, and Travelers.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and influenced by factors such as economic conditions, regulatory changes, weather patterns, and technological advancements. There is increasing use of data analytics and telematics.
Positioning
Mercury General is positioned as a value-oriented insurer, focusing on offering competitive rates and personalized service. It primarily targets the mass market. Its competitive advantages include a strong agent network and a focus on specific geographic markets.
Total Addressable Market (TAM)
The TAM for the U.S. property and casualty insurance market is estimated to be over $800 billion annually. Mercury General's market share represents a small percentage of this TAM, indicating room for growth.
Upturn SWOT Analysis
Strengths
- Strong presence in key geographic markets like California.
- Established agent network.
- Focus on providing competitive rates.
- Solid financial stability.
Weaknesses
- Geographic concentration, making it vulnerable to regional economic downturns and natural disasters.
- Limited brand recognition outside of core markets.
- Heavily reliant on independent agents, which can impact control over distribution.
- Technology infrastructure may lag behind larger competitors.
Opportunities
- Expansion into new geographic markets.
- Development of new insurance products and services.
- Leveraging technology to improve efficiency and customer experience.
- Increasing online sales and direct-to-consumer channels.
Threats
- Intense competition from larger, well-capitalized insurers.
- Increasing claims costs due to inflation and catastrophic events.
- Regulatory changes and compliance costs.
- Changing consumer preferences and technological disruption.
Competitors and Market Share
Key Competitors
- State Farm (N/A - Private)
- Progressive (PGR)
- GEICO (BRK.A)
- Allstate (ALL)
- Farmers (N/A - Farmers Group Inc.)
Competitive Landscape
Mercury General faces intense competition. Its advantages include a strong regional presence and competitive pricing. Disadvantages include smaller scale and brand recognition compared to national players.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth information is not available without real-time, verifiable data. These metrics fluctuate.
Future Projections: Future Projections information is not available without real-time, verifiable data. These metrics fluctuate.
Recent Initiatives: Recent initiatives include expanding its digital presence, introducing new products, and focusing on cost optimization.
Summary
Mercury General is a regional insurer with a strong presence in California, offering competitive rates. It faces competition from larger national players and needs to invest in technology and expand its geographic reach to maintain and grow its market share. While financially stable, its concentrated market exposes it to regional risks. Strategic initiatives focusing on digital transformation and product diversification are crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Industry reports, Market analysis reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change and may not be accurate.
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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