Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
MCY
STRONG BUYMercury General Corporation · Financial Services · United States · $6.0B · Avg Vol: $35M/d
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% | 6.1B | 6.5B | 6.9B | 6.9% |
| EPS | -9.26 | 1.74 | 8.45 | 9.77 | 137.0% | 15.13 | 14.53 | 14.84 | 23.2% |
| Shares | 55.4M | 55.4M | 55.4M | 55.4M | +0.0% | 55.4M | — | — | — |
| Debt | 420.3M | 588.0M | 587.7M | 586.9M | 11.8% | 587.3M | — | — | — |
| Equity | 1.5B | 1.5B | 1.9B | 2.4B | 16.7% | — | — | — | — |
| Op CF | 352.6M | 453.0M | 1.0B | 1.1B | 45.5% | 1.5B | — | — | — |
| 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) | $6.0B | 97 | STRONG BUY |
| AIZ.MX | ASSURANT INC | $12.2B | 97 | STRONG BUY |
| THG | The Hanover Insurance Group, Inc. | $7.4B | 83 | STRONG BUY |
| SIGI | Selective Insurance Group, Inc. | $5.8B | 79 | BUY |
| SLDE | Slide Insurance Holdings, Inc. | $2.2B | 99 | STRONG BUY |
| HCI | HCI Group, Inc. | $2.3B | 90 | STRONG BUY |
| ORI | Old Republic International Corporation | $10.0B | 80 | STRONG BUY |
| SKWD | Skyward Specialty Insurance Group, Inc. | $2.4B | 87 | STRONG BUY |
| UFCS | United Fire Group, Inc. | $1.3B | 94 | STRONG BUY |
| UVE | Universal Insurance Holdings, Inc. | $1.1B | 98 | STRONG BUY |
Peer medians: ROE 10.1% · P/E 13.9x · Gross margin 0.0%