Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
MCY
BuyPremium GrowerAPPROVEMercury General Corporation · Financial Services · United States · $5.9B · Avg Vol: $28M/d
Mercury General writes California-concentrated personal auto and homeowners insurance and has restored underwriting profitability through approved rate increases, supporting a good quality score (Q75) and a long dividend record. Nothing adverse is known on accounting, solvency or governance.
COMPANY DESCRIPTION
Mercury General Corporation is a multi-line insurance organization primarily offering personal automobile, homeowners, and mechanical breakdown insurance across several U.S. states, with a significant presence in California. The company competes by providing affordable insurance products through an independent agency network, leveraging localized underwriting expertise to maintain profitability. This focused strategy has established it as a prominent insurer, particularly within the California market.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.6B | 4.6B | 5.5B | 6.0B | 18.0% | 6.3B | 6.6B | 7.0B | 8.0% |
| EPS | -9.26 | 1.74 | 8.45 | 9.77 | 137.0% | 16.91 | 16.70 | 15.15 | 24.5% |
| Shares | 55.4M | 55.4M | 55.4M | 55.4M | +0.0% | — | — | — | — |
| Debt | 420.3M | 588.0M | 587.7M | 586.9M | 11.8% | 962.1M | — | — | — |
| Equity | 1.5B | 1.5B | 1.9B | 2.4B | 16.7% | — | — | — | — |
| Op CF | 352.6M | 453.0M | 1.0B | 1.1B | 45.5% | 1.3B | — | — | — |
| Inv CF | -316.4M | -295.5M | -796.7M | -420.2M | — | — | — | — | — |
| Fin CF | -82.0M | 103.6M | -71.1M | -71.7M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of MCY are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| MCY | Mercury General Corporation(you) | $5.9B | 77 | Buy |
| THG | The Hanover Insurance Group, Inc. | $7.9B | 83 | Strong Buy |
| SIGI | Selective Insurance Group, Inc. | $5.5B | 65 | Buy |
| ORI | Old Republic International Corporation | $10.2B | 71 | Buy |
| AIZ | Assurant, Inc. | $14.1B | 73 | Buy |
| HGTY | Hagerty, Inc. | $4.6B | 60 | Hold |
| RLI | RLI Corp. | $5.9B | 53 | Hold |
| SKWD | Skyward Specialty Insurance Group, Inc. | $2.4B | 70 | Buy |
| HMN | Horace Mann Educators Corporation | $2.1B | 71 | Buy |
| HCI | HCI Group, Inc. | $2.3B | 86 | Strong Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%