MERCURY GENERAL CORP (MCY) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:MCY • US5894001008

95.19 USD
+1.59 (+1.7%)
At close: Feb 6, 2026
95.19 USD
0 (0%)
After Hours: 2/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, MCY scores 5 out of 10 in our fundamental rating. MCY was compared to 149 industry peers in the Insurance industry. MCY has an average financial health and profitability rating. MCY is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year MCY was profitable.
  • MCY had a positive operating cash flow in the past year.
  • Of the past 5 years MCY 4 years were profitable.
  • In the past 5 years MCY always reported a positive cash flow from operatings.
MCY Yearly Net Income VS EBIT VS OCF VS FCFMCY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

  • MCY has a better Return On Assets (4.69%) than 80.54% of its industry peers.
  • Looking at the Return On Equity, with a value of 19.69%, MCY belongs to the top of the industry, outperforming 86.58% of the companies in the same industry.
  • MCY has a better Return On Invested Capital (5.71%) than 83.22% of its industry peers.
Industry RankSector Rank
ROA 4.69%
ROE 19.69%
ROIC 5.71%
ROA(3y)-0.29%
ROA(5y)1.74%
ROE(3y)-1.14%
ROE(5y)5.32%
ROIC(3y)N/A
ROIC(5y)N/A
MCY Yearly ROA, ROE, ROICMCY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

1.3 Margins

  • Looking at the Profit Margin, with a value of 7.55%, MCY is in line with its industry, outperforming 46.98% of the companies in the same industry.
  • MCY's Profit Margin has been stable in the last couple of years.
  • The Operating Margin of MCY (9.74%) is worse than 61.07% of its industry peers.
  • In the last couple of years the Operating Margin of MCY has grown nicely.
Industry RankSector Rank
OM 9.74%
PM (TTM) 7.55%
GM N/A
OM growth 3Y11.77%
OM growth 5Y2.15%
PM growth 3Y11.24%
PM growth 5Y1.18%
GM growth 3YN/A
GM growth 5YN/A
MCY Yearly Profit, Operating, Gross MarginsMCY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MCY is destroying value.
  • MCY has about the same amout of shares outstanding than it did 1 year ago.
  • MCY has about the same amout of shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, MCY has an improved debt to assets ratio.
MCY Yearly Shares OutstandingMCY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
MCY Yearly Total Debt VS Total AssetsMCY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

  • MCY has an Altman-Z score of 1.52. This is a bad value and indicates that MCY is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of MCY (1.52) is better than 87.25% of its industry peers.
  • The Debt to FCF ratio of MCY is 0.58, which is an excellent value as it means it would take MCY, only 0.58 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.58, MCY is in the better half of the industry, outperforming 79.19% of the companies in the same industry.
  • A Debt/Equity ratio of 0.26 indicates that MCY is not too dependend on debt financing.
  • The Debt to Equity ratio of MCY (0.26) is better than 62.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.58
Altman-Z 1.52
ROIC/WACC0.68
WACC8.45%
MCY Yearly LT Debt VS Equity VS FCFMCY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

  • MCY has a Current Ratio of 0.12. This is a bad value and indicates that MCY is not financially healthy enough and could expect problems in meeting its short term obligations.
  • MCY has a Current ratio of 0.12. This is in the better half of the industry: MCY outperforms 65.10% of its industry peers.
  • MCY has a Quick Ratio of 0.12. This is a bad value and indicates that MCY is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.12, MCY is in the better half of the industry, outperforming 65.10% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
MCY Yearly Current Assets VS Current LiabilitesMCY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 26.26% over the past year.
  • Measured over the past years, MCY shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.56% on average per year.
  • Looking at the last year, MCY shows a small growth in Revenue. The Revenue has grown by 6.18% in the last year.
  • MCY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.63% yearly.
EPS 1Y (TTM)26.26%
EPS 3Y35.66%
EPS 5Y22.56%
EPS Q2Q%51.97%
Revenue 1Y (TTM)6.18%
Revenue growth 3Y11.1%
Revenue growth 5Y6.63%
Sales Q2Q%3.56%

3.2 Future

  • Based on estimates for the next years, MCY will show a small growth in Earnings Per Share. The EPS will grow by 2.87% on average per year.
  • The Revenue is expected to grow by 6.18% on average over the next years.
EPS Next Y-4.48%
EPS Next 2Y8.63%
EPS Next 3Y2.87%
EPS Next 5YN/A
Revenue Next Year8.27%
Revenue Next 2Y6.31%
Revenue Next 3Y6.18%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
MCY Yearly Revenue VS EstimatesMCY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B
MCY Yearly EPS VS EstimatesMCY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4 6 8

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.56, the valuation of MCY can be described as correct.
  • MCY's Price/Earnings ratio is in line with the industry average.
  • MCY is valuated cheaply when we compare the Price/Earnings ratio to 27.92, which is the current average of the S&P500 Index.
  • MCY is valuated reasonably with a Price/Forward Earnings ratio of 11.22.
  • The rest of the industry has a similar Price/Forward Earnings ratio as MCY.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.78, MCY is valued rather cheaply.
Industry RankSector Rank
PE 13.56
Fwd PE 11.22
MCY Price Earnings VS Forward Price EarningsMCY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, MCY is valued a bit cheaper than 65.10% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, MCY is valued a bit cheaper than 69.80% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.32
EV/EBITDA 7.42
MCY Per share dataMCY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.6
EPS Next 2Y8.63%
EPS Next 3Y2.87%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • MCY has a Yearly Dividend Yield of 1.36%. Purely for dividend investing, there may be better candidates out there.
  • MCY's Dividend Yield is comparable with the industry average which is at 2.28.
  • MCY's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.36%

5.2 History

  • The dividend of MCY decreases each year by -12.76%.
  • MCY has been paying a dividend for at least 10 years, so it has a reliable track record.
  • MCY has decreased its dividend recently.
Dividend Growth(5Y)-12.76%
Div Incr Years0
Div Non Decr Years1
MCY Yearly Dividends per shareMCY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

  • MCY pays out 16.00% of its income as dividend. This is a sustainable payout ratio.
DP16%
EPS Next 2Y8.63%
EPS Next 3Y2.87%
MCY Yearly Income VS Free CF VS DividendMCY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M
MCY Dividend Payout.MCY Dividend Payout, showing the Payout Ratio.MCY Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

MERCURY GENERAL CORP

NYSE:MCY (2/6/2026, 8:04:00 PM)

After market: 95.19 0 (0%)

95.19

+1.59 (+1.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-17
Inst Owners47.23%
Inst Owner Change-1.2%
Ins Owners35.51%
Ins Owner Change0%
Market Cap5.27B
Revenue(TTM)5.82B
Net Income(TTM)439.62M
Analysts84
Price Target102 (7.15%)
Short Float %6.74%
Short Ratio8.73
Dividend
Industry RankSector Rank
Dividend Yield 1.36%
Yearly Dividend1.27
Dividend Growth(5Y)-12.76%
DP16%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)68.99%
Min EPS beat(2)60.22%
Max EPS beat(2)77.76%
EPS beat(4)4
Avg EPS beat(4)78.49%
Min EPS beat(4)30.24%
Max EPS beat(4)145.76%
EPS beat(8)8
Avg EPS beat(8)174.82%
EPS beat(12)9
Avg EPS beat(12)144.89%
EPS beat(16)10
Avg EPS beat(16)67.38%
Revenue beat(2)2
Avg Revenue beat(2)4.33%
Min Revenue beat(2)2.99%
Max Revenue beat(2)5.66%
Revenue beat(4)2
Avg Revenue beat(4)-0.3%
Min Revenue beat(4)-6.45%
Max Revenue beat(4)5.66%
Revenue beat(8)5
Avg Revenue beat(8)3.29%
Revenue beat(12)7
Avg Revenue beat(12)2.79%
Revenue beat(16)8
Avg Revenue beat(16)-1.31%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)29.95%
EPS NY rev (1m)0%
EPS NY rev (3m)51.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.71%
Valuation
Industry RankSector Rank
PE 13.56
Fwd PE 11.22
P/S 0.91
P/FCF 5.32
P/OCF 5.03
P/B 2.36
P/tB 2.42
EV/EBITDA 7.42
EPS(TTM)7.02
EY7.37%
EPS(NY)8.48
Fwd EY8.91%
FCF(TTM)17.89
FCFY18.79%
OCF(TTM)18.91
OCFY19.87%
SpS105.12
BVpS40.3
TBVpS39.4
PEG (NY)N/A
PEG (5Y)0.6
Graham Number79.79
Profitability
Industry RankSector Rank
ROA 4.69%
ROE 19.69%
ROCE 6.41%
ROIC 5.71%
ROICexc 6.65%
ROICexgc 6.99%
OM 9.74%
PM (TTM) 7.55%
GM N/A
FCFM 17.02%
ROA(3y)-0.29%
ROA(5y)1.74%
ROE(3y)-1.14%
ROE(5y)5.32%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y17.76%
ROICexgc growth 5Y2.29%
ROICexc growth 3Y17.72%
ROICexc growth 5Y2.52%
OM growth 3Y11.77%
OM growth 5Y2.15%
PM growth 3Y11.24%
PM growth 5Y1.18%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.62
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.58
Debt/EBITDA 0.93
Cap/Depr 109.48%
Cap/Sales 0.97%
Interest Coverage 19.8
Cash Conversion 169.19%
Profit Quality 225.4%
Current Ratio 0.12
Quick Ratio 0.12
Altman-Z 1.52
F-Score4
WACC8.45%
ROIC/WACC0.68
Cap/Depr(3y)91.44%
Cap/Depr(5y)81.7%
Cap/Sales(3y)0.87%
Cap/Sales(5y)0.94%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.26%
EPS 3Y35.66%
EPS 5Y22.56%
EPS Q2Q%51.97%
EPS Next Y-4.48%
EPS Next 2Y8.63%
EPS Next 3Y2.87%
EPS Next 5YN/A
Revenue 1Y (TTM)6.18%
Revenue growth 3Y11.1%
Revenue growth 5Y6.63%
Sales Q2Q%3.56%
Revenue Next Year8.27%
Revenue Next 2Y6.31%
Revenue Next 3Y6.18%
Revenue Next 5YN/A
EBIT growth 1Y-21.24%
EBIT growth 3Y24.17%
EBIT growth 5Y8.92%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y283.32%
FCF growth 3Y29.13%
FCF growth 5Y15.62%
OCF growth 1Y254.65%
OCF growth 3Y27.4%
OCF growth 5Y14.82%

MERCURY GENERAL CORP / MCY FAQ

What is the ChartMill fundamental rating of MERCURY GENERAL CORP (MCY) stock?

ChartMill assigns a fundamental rating of 5 / 10 to MCY.


Can you provide the valuation status for MERCURY GENERAL CORP?

ChartMill assigns a valuation rating of 5 / 10 to MERCURY GENERAL CORP (MCY). This can be considered as Fairly Valued.


How profitable is MERCURY GENERAL CORP (MCY) stock?

MERCURY GENERAL CORP (MCY) has a profitability rating of 5 / 10.


What is the valuation of MERCURY GENERAL CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for MERCURY GENERAL CORP (MCY) is 13.56 and the Price/Book (PB) ratio is 2.36.


Can you provide the dividend sustainability for MCY stock?

The dividend rating of MERCURY GENERAL CORP (MCY) is 3 / 10 and the dividend payout ratio is 16%.