Is Mercury General Corporation (MCY) Overvalued?
We dive into why Mercury General Corporation (MCY) could be considered overvalued on 2026-07-28, based on AAII’s Value Score and Grade.Tudor Pop
A+ Stock Grade Summary:
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COMPANY SUMMARY
Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. It also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance products. The company’s 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. It 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.
Commentary & Analysis
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Financial Summary
| Share Statistics | MCY | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $5,933.2 | $7,055.8 | 70% |
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| Shares Out (Mil) | 55.4 | 66.0 | 50% |
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| Institutional Ownership | 47.6% | 81.8% | 22% |
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| Float (Mil) | 26.6 | 67.4 | 34% |
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| Beta | 0.94 | 0.52 | 56% |
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| Avg Daily Volume (000s) | 258 | 186 | 48% |
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| Price Change (52-week) |
51.5% | 90.4% | 80% |
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| Growth | MCY | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 9.6% | 5.6% | 56% |
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| Net Income (5yr) | 7.6% | 14.5% | 51% |
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| EPS (5yr) | 7.6% | 15.6% | 42 |
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| Dividends (5yr) | (12.8%) | 3.8% | 83% |
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| Cash Flow (5yr) | 61.4% | (14.5%) | 95% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 1 | |
| Current EPS | $1.800 | $11.750 | $12.000 | |
| Month Ago EPS | $1.800 | $11.750 | $12.000 | |
| # Rev Up | 0 | 1 | 1 | |
| # Rev Down | 1 | 0 | 0 | |
| Three Months Ago EPS | $1.350 | $9.000 | $8.000 | |
| Year/Year Chg | (47.6%) | 20.3% | 25.4% | |
| Financials | MCY | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $6,136 | $5,065 | 78% |
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| Net Income (TTM) (Mil) | $840 | $534 | 84% |
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| EPS (TTM) | $15.163 | $2.500 | 97% |
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| Operating Cash Flow (TTM) (Mil) | $1,482 | $499 | 85% |
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| Net Cash Flow (TTM) (Mil) | $66 | $3 | 73% |
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| Long-Term Debt (Q1) (Mil) | $212 | $844 | 51% |
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| Enterprise Value (Q1) (Mil) | $4,757 | $7,585 | 62% |
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| Valuation | MCY | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.29 | 1.77 | 56% |
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| P/E | 7.1 | 12.9 | 8% |
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| Dividend Yield | 1.2% | 0.9% | 69% |
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| PEG (5yr hist) | 0.9 | 0.5 | 42% |
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| Ratios | MCY | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 25.2% | 33.4% | 28% |
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| Net Margin | 13.7% | 9.9% | 71% |
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| ROA | 8.9% | 2.7% | 85% |
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| ROE | 38.1% | 14.8% | 91% |
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| Liabilities to Assets | 73.8% | 76.7% | 69% |
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| F-Score | 7 | 6 | 84% |
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Mercury General Corporation did not pass any screens on 7/31/2026.
