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Upturn AI SWOT - About
MCY 
Mercury General Corporation (MCY)
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Upturn Advisory Summary
07/07/2025: MCY (3-star) is a STRONG-BUY. BUY since 42 days. Profits (12.63%). 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 $80
1 Year Target Price $80
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 102.58% | Avg. Invested days 63 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 07/07/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.73B USD | Price to earnings Ratio 13.04 | 1Y Target Price 80 |
Price to earnings Ratio 13.04 | 1Y Target Price 80 | ||
Volume (30-day avg) 1 | Beta 0.98 | 52 Weeks Range 43.72 - 79.51 | Updated Date 07/7/2025 |
52 Weeks Range 43.72 - 79.51 | Updated Date 07/7/2025 | ||
Dividends yield (FY) 1.89% | Basic EPS (TTM) 5.07 |
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 13.04 | Forward PE - | Enterprise Value 3035504483 | Price to Sales(TTM) 0.67 |
Enterprise Value 3035504483 | Price to Sales(TTM) 0.67 | ||
Enterprise Value to Revenue 0.54 | Enterprise Value to EBITDA - | Shares Outstanding 55388600 | Shares Floating 26561616 |
Shares Outstanding 55388600 | Shares Floating 26561616 | ||
Percent Insiders 52.03 | Percent Institutions 51.84 |
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 to other states and insurance lines. Significant milestones include its IPO and strategic acquisitions.
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 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
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
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
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.
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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