MCY

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Mercury General Corp.

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Key Metrics

Previous Close: $100.27
52-Week Range: $74.29 – $113.06
Market Cap: $5.66B
P/E (TTM): 6.04
EPS (TTM): 16.92
Dividend Yield: 1.24%

Advanced Metrics

Price/Book: 2.00
PEG Ratio: 1.11
Return on Equity: 38.99%
Return on Assets: 7.57%
Gross Margin: 26.81%
Operating Margin: 19.93%
Profit Margin: 14.78%
Current Ratio: 0.95
Debt/Equity: 0.34
Total Debt: $962.13M
Free Cash Flow: $1.14B
Revenue Growth: 13.80%
Earnings Growth: 58.30%
Enterprise Value: $4.56B

MCY Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$3.64B	$4.63B	$5.48B	$5.99B
Pretax Income	-$670.72M	$99.43M	$574.88M	$663.65M
Income Tax	-$158.04M	$3.09M	$106.93M	$122.56M
Net Income	-$512.67M	$96.34M	$467.95M	$541.09M
Diluted EPS	-9.26	1.74	8.45	9.77
Diluted Shares	55.37M	55.37M	55.38M	55.39M

MCY Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$289.78M	$550.90M	$720.26M	$1.32B
Receivables	$658.50M	$663.36M	$781.51M	$941.73M
Total Assets	$6.51B	$7.10B	$8.31B	$9.56B
Long-Term Debt	$398.33M	$573.73M	$574.13M	$574.53M
Total Debt	$420.25M	$587.96M	$587.71M	$586.86M
Total Liabilities	$4.99B	$5.56B	$6.36B	$7.14B
Retained Earnings	$1.42B	$1.45B	$1.85B	$2.32B
Shareholders' Equity	$1.52B	$1.55B	$1.95B	$2.42B
Net Debt	$108.55M	$22.83M	—	—

MCY Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$352.59M	$453.00M	$1.04B	$1.09B
Capital Expenditure	-$35.51M	-$36.81M	-$46.14M	-$58.43M
Free Cash Flow	$317.08M	$416.19M	$990.98M	$1.03B
Depreciation & Amortisation	$82.39M	$72.24M	$73.43M	$74.99M
Investing Cash Flow	-$316.38M	-$295.45M	-$796.66M	-$420.16M
Financing Cash Flow	-$81.99M	$103.58M	-$71.11M	-$71.72M
Dividends Paid	-$105.48M	-$70.32M	-$70.33M	-$70.34M
Net Change in Cash	-$45.78M	$261.13M	$169.35M	$595.32M

MCY Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$1.39B	$1.48B	$1.58B	$1.54B	$1.54B	$1.68B
Pretax Income	-$142.30M	$206.75M	$350.32M	$248.88M	$235.65M	$327.33M
Income Tax	-$33.97M	$40.28M	$69.92M	$46.33M	$45.23M	$63.83M
Net Income	-$108.33M	$166.47M	$280.40M	$202.55M	$190.42M	$263.50M
Diluted EPS	-1.96	3.01	5.06	3.66	3.44	4.76
Diluted Shares	55.39M	55.39M	55.39M	55.39M	55.39M	55.39M

MCY Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$1.28B	$1.12B	$1.25B	$1.32B	$1.35B	$1.70B
Receivables	$1.52B	$1.24B	$1.01B	$941.73M	$953.23M	$945.03M
Total Assets	$9.03B	$9.08B	$9.37B	$9.56B	$9.87B	$10.54B
Long-Term Debt	$574.23M	$574.34M	$574.43M	$574.53M	$574.63M	$943.75M
Total Debt	$592.09M	$590.18M	$588.14M	$586.86M	$587.28M	$962.13M
Total Liabilities	$7.21B	$7.11B	$7.14B	$7.14B	$7.28B	$7.71B
Retained Earnings	$1.72B	$1.87B	$2.13B	$2.32B	$2.49B	$2.74B
Shareholders' Equity	$1.82B	$1.97B	$2.23B	$2.42B	$2.59B	$2.84B

MCY Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$68.73M	$371.61M	$496.44M	$287.87M	$325.60M	$217.70M
Capital Expenditure	-$13.14M	-$14.37M	-$16.90M	-$14.02M	-$16.80M	-$16.13M
Free Cash Flow	-$81.87M	$357.24M	$479.54M	$273.86M	$308.80M	$201.57M
Depreciation & Amortisation	$17.24M	$17.70M	$18.77M	$21.27M	$19.84M	$20.53M
Investing Cash Flow	$651.60M	-$515.99M	-$348.54M	-$207.23M	-$272.31M	-$219.22M
Financing Cash Flow	-$18.34M	-$18.16M	-$17.58M	-$17.64M	-$17.98M	$351.46M
Dividends Paid	-$17.59M	-$17.59M	-$17.59M	-$17.59M	-$17.59M	-$17.59M
Net Change in Cash	$564.53M	-$162.54M	$130.32M	$63.00M	$35.31M	$349.95M

Market Snapshot

About

Mercury General Corp. is an auto insurance company primarily serving California, offering personal and commercial automobile insurance along with homeowners coverage.