Stock AnalizMercury General Corp. MCY
Property-Casualty Insurers · data as of November 13, 2026
Mercury General Corp. (MCY) is a financial company listed in the US with a market value of about $4.8B. In the twelve months to September 30, 2026 it had revenue of $6.1B and net income of $643M, a net margin of 10.5%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is value (4/5); the weakest is track record (2/5).
Key numbers: a P/E of 7.4, a price to free cash flow of 4.1, 5-year revenue growth of 10% a year, a 5-year average ROIC of 5%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 40% below the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- 5-year revenue growth above 8% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- Liabilities below 60% of assets
- Share count down over 3 years (buybacks)
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6.1B | $6.0B | $5.5B | $4.6B | $3.6B | $4.0B | $3.8B | $4.0B | $3.4B | $3.4B | $3.2B |
| Net income | $643M | $541M | $468M | $96M | -$513M | $248M | $375M | $320M | -$6M | $145M | $73M |
| Free cash flow | $1.2B | $1.0B | $991M | $416M | $317M | $460M | $566M | $480M | $355M | $322M | $275M |
| EPS (diluted) | $11.61 | $9.77 | $8.45 | $1.74 | $-9.26 | $4.48 | $6.77 | $5.78 | $-0.10 | $2.62 | $1.32 |
| Net margin | 10.5% | 9.0% | 8.6% | 2.1% | -14.1% | 6.2% | 9.9% | 8.1% | -0.2% | 4.2% | 2.3% |
| ROIC | — | 18.0% | 18.5% | 5.6% | -25.7% | 10.3% | 15.8% | 15.0% | -0.5% | 7.4% | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 1 analysts is $100.00, 16% above the current price; targets range from $100.00 to $100.00; the consensus rating is “Strong buy”; expected EPS is $13.65 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Mercury General’s P/E ratio?
About 7.4, based on the last twelve months of diluted earnings per share (forward P/E about 7.0).
Is Mercury General stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 40% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Mercury General pay a dividend?
Yes. The dividend yield is about 1.47%, and it has paid dividends for 10 years in our data.
Is Mercury General a good stock to buy?
We do not give buy or sell advice. Mercury General scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.