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MCY 
Mercury General Corporation (MCY)
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Upturn Advisory Summary
11/28/2025: MCY (3-star) is a STRONG-BUY. BUY since 12 days. Simulated Profits (6.69%). 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 160.27% | Avg. Invested days 68 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.16B USD | Price to earnings Ratio 11.74 | 1Y Target Price 100 |
Price to earnings Ratio 11.74 | 1Y Target Price 100 | ||
Volume (30-day avg) 1 | Beta 1 | 52 Weeks Range 43.54 - 95.00 | Updated Date 11/30/2025 |
52 Weeks Range 43.54 - 95.00 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 1.36% | 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 11.74 | Forward PE - | Enterprise Value 4493352946 | Price to Sales(TTM) 0.89 |
Enterprise Value 4493352946 | Price to Sales(TTM) 0.89 | ||
Enterprise Value to Revenue 0.77 | Enterprise Value to EBITDA - | Shares Outstanding 55388627 | Shares Floating 26556077 |
Shares Outstanding 55388627 | Shares Floating 26556077 | ||
Percent Insiders 52.03 | Percent Institutions 47.28 |
Upturn AI SWOT
Mercury General Corporation
Company Overview
History and Background
Mercury General Corporation was founded in 1961 by George Joseph. It began as a small auto insurer in California and has grown to become a multi-line insurance provider operating in multiple states. Key milestones include geographic expansion, product diversification, and adaptation to regulatory changes.
Core Business Areas
- Personal Automobile: Provides auto insurance policies to individuals, covering liability, collision, and comprehensive damages. This is their largest segment.
- Homeowners: Offers homeowners insurance policies protecting against property damage and liability. Includes coverage for fire, theft, and other perils.
- Commercial Auto: Provides commercial auto insurance to businesses, covering vehicles used for commercial purposes.
- Other: Includes other insurance products such as mechanical breakdown protection and umbrella policies.
Leadership and Structure
The leadership team is headed by Gabriel Tirador (CEO) and George Joseph (Chairman). The organizational structure includes various departments such as underwriting, claims, marketing, and finance.
Top Products and Market Share
Key Offerings
- Personal Automobile Insurance: The primary product, providing coverage for vehicle accidents and liabilities. Market share varies by state, but Mercury generally focuses on price-sensitive customers. Competitors include State Farm, GEICO, Progressive, and Allstate. Limited market share data available publicly.
- Homeowners Insurance: Protects homeowners from financial losses due to property damage and liability claims. Competitors include State Farm, Allstate, Travelers, and Liberty Mutual. Limited market share data available publicly.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and heavily regulated. It is influenced by factors such as interest rates, economic conditions, and natural disasters.
Positioning
Mercury General Corporation positions itself as a value-oriented insurer, focusing on providing affordable insurance rates. Their competitive advantage is cost efficiency.
Total Addressable Market (TAM)
The US property and casualty insurance market is estimated to be hundreds of billions of dollars annually. Mercury General Corporation, with its smaller market share, has significant room for growth.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in key markets
- Competitive pricing strategy
- Efficient operations
- Experienced management team
Weaknesses
- Geographic concentration (primarily in Western states)
- Limited product diversification compared to larger competitors
- Sensitivity to economic downturns
- High expense ratio
Opportunities
- Geographic expansion into new states
- Product diversification through acquisitions or internal development
- Technological innovation to improve efficiency and customer service
- Increased demand for insurance due to population growth and urbanization
Threats
- Intense competition from larger national insurers
- Regulatory changes and increased compliance costs
- Natural disasters and catastrophic events
- Economic downturns affecting consumer spending
Competitors and Market Share
Key Competitors
- State Farm (N/A)
- GEICO (BRK.A)
- Progressive (PGR)
- Allstate (ALL)
Competitive Landscape
Mercury General Corporation faces intense competition from larger, nationally recognized insurers. Its advantages include competitive pricing and a strong presence in specific geographic markets. Disadvantages include limited scale and product diversification compared to its larger rivals.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady but influenced by market conditions and competition. Requires detailed financial analysis for specific trends.
Future Projections: Analyst estimates vary depending on market conditions and company performance. Requires analyst report lookup.
Recent Initiatives: Recent initiatives focus on improving technology and expanding into new markets. Requires updated company news for specifics.
Summary
Mercury General Corporation is a regional insurer with a value-oriented strategy. Its strengths lie in competitive pricing and market presence in specific regions. However, it faces challenges from larger national competitors and economic sensitivities. Geographic concentration and product diversification are key areas to monitor.
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Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and financial information may be subject to 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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