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Mercury General Corporation MCY

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Price alert · MCY

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88.93 USD -13.78 (-13.42%)

At closeNov 4, 2026, 6:17 PM EST

88.80 -0.13 -0.15%

After hours · Nov 4, 6:17 PM ET

87.51 Day range 97.26
80.42 52-week range 113.06
YTD
-5.45%
1 year
+11.48%

Financial health

Altman Z-Score

2.00 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A+4 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 2

Valuation

P/E 9.6×
FY 2016: 45.6×FY 2017: 20.4×FY 2018: -517×FY 2019: 8.4×FY 2020: 7.7×FY 2021: 11.8×FY 2022: -3.7×FY 2023: 21.4×FY 2024: 7.9×FY 2025: 9.6×
FY 2016 5y median 9.6× FY 2025
P/S 0.9×
FY 2016: 1.0×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 0.7×FY 2020: 0.8×FY 2021: 0.7×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 0.7× FY 2025
P/B 2.2×
FY 2016: 1.9×FY 2017: 1.7×FY 2018: 1.8×FY 2019: 1.5×FY 2020: 1.4×FY 2021: 1.4×FY 2022: 1.2×FY 2023: 1.3×FY 2024: 1.9×FY 2025: 2.2×
FY 2016 5y median 1.4× FY 2025
P/FCF 5.1×
FY 2016: 12.3×FY 2017: 9.2×FY 2018: 8.0×FY 2019: 5.6×FY 2020: 5.1×FY 2021: 6.4×FY 2022: 6.0×FY 2023: 5.0×FY 2024: 3.7×FY 2025: 5.1×
FY 2016 5y median 5.1× FY 2025
EV/EBITDA 5.8×
FY 2016: 26.8×FY 2017: 12.8×FY 2018: 64.6×FY 2019: 6.1×FY 2020: 5.4×FY 2021: 7.6×FY 2022: -3.5×FY 2023: 10.7×FY 2024: 5.2×FY 2025: 5.8×
FY 2016 5y median 5.8× FY 2025
EV/Sales 0.7×
FY 2016: 1.1×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 0.7×FY 2020: 0.8×FY 2021: 0.8×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.6× FY 2025
FCF Yield 19.7%
FY 2016: 8.1%FY 2017: 10.9%FY 2018: 12.4%FY 2019: 17.8%FY 2020: 19.6%FY 2021: 15.7%FY 2022: 16.7%FY 2023: 20.1%FY 2024: 26.9%FY 2025: 19.7%
FY 2016 5y median 19.7% FY 2025

Profitability

Gross Margin 33.9%
FY 2016: 9.6%FY 2017: 12.2%FY 2018: 6.8%FY 2019: 16.7%FY 2020: 20.1%FY 2021: 15.0%FY 2022: -10.3%FY 2023: 8.7%FY 2024: 17.0%FY 2025: 33.9%
FY 2016 5y median 15.0% FY 2025
Operating Margin 11.1%
FY 2016: 2.2%FY 2017: 4.9%FY 2018: -0.9%FY 2019: 9.5%FY 2020: 12.1%FY 2021: 7.5%FY 2022: -18.4%FY 2023: 2.1%FY 2024: 10.5%FY 2025: 11.1%
FY 2016 5y median 7.5% FY 2025
Net Margin 9.0%
FY 2016: 2.3%FY 2017: 4.2%FY 2018: -0.2%FY 2019: 8.1%FY 2020: 9.9%FY 2021: 6.2%FY 2022: -14.1%FY 2023: 2.1%FY 2024: 8.5%FY 2025: 9.0%
FY 2016 5y median 6.2% FY 2025
ROE 22.4%
FY 2016: 4.2%FY 2017: 8.2%FY 2018: -0.4%FY 2019: 17.8%FY 2020: 18.4%FY 2021: 11.6%FY 2022: -33.7%FY 2023: 6.2%FY 2024: 24.0%FY 2025: 22.4%
FY 2016 5y median 11.6% FY 2025
ROIC 17.0%
FY 2016: 8.3%FY 2017: 18.9%FY 2018: -0.1%FY 2019: 5.4%FY 2020: 0.0%FY 2021: 8.8%FY 2022: -40.5%FY 2023: 0.0%FY 2024: 29.1%FY 2025: 17.0%
FY 2016 5y median 8.8% FY 2025
ROA 5.7%
FY 2016: 1.5%FY 2017: 2.8%FY 2018: -0.1%FY 2019: 5.4%FY 2020: 5.9%FY 2021: 3.7%FY 2022: -7.9%FY 2023: 1.4%FY 2024: 5.6%FY 2025: 5.7%
FY 2016 5y median 3.7% FY 2025

Growth (YoY)

Revenue 9.4%
FY 2016: 7.3%FY 2017: 5.8%FY 2018: -1.1%FY 2019: 17.5%FY 2020: -4.7%FY 2021: 5.5%FY 2022: -8.8%FY 2023: 27.1%FY 2024: 18.3%FY 2025: 9.4%
FY 2016 FY 2025
Operating Income 15.4%
FY 2016: 0.2%FY 2017: 136.2%FY 2018: -118.3%FY 2019: 1334.9%FY 2020: 21.3%FY 2021: -34.7%FY 2022: -324.1%FY 2023: 114.8%FY 2024: 478.2%FY 2025: 15.4%
FY 2016 FY 2025
EPS (diluted) 15.6%
FY 2016: -2.2%FY 2017: 98.5%FY 2018: -103.8%FY 2019: 5880.0%FY 2020: 17.1%FY 2021: -33.8%FY 2022: -306.7%FY 2023: 118.8%FY 2024: 385.6%FY 2025: 15.6%
FY 2016 FY 2025
Free Cash Flow 3.8%
FY 2016: 59.0%FY 2017: 19.0%FY 2018: 10.4%FY 2019: 34.9%FY 2020: 17.9%FY 2021: -18.7%FY 2022: -31.1%FY 2023: 31.3%FY 2024: 138.1%FY 2025: 3.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 59.8×FY 2017: 9.7×FY 2018: 12.1×FY 2019: 10.4×FY 2020: 0.0×FY 2021: 0.3×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 68.0×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.4×
FY 2016: 259×FY 2017: 41.9×FY 2018: 24.1×FY 2019: 21.2×FY 2020: 0.0×FY 2021: 0.3×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 68.0×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -0.9×
FY 2016: 0.8×FY 2017: 0.3×FY 2018: 1.3×FY 2019: 0.3×FY 2020: 0.1×FY 2021: 0.2×FY 2022: -0.2×FY 2023: 0.2×FY 2024: -0.2×FY 2025: -0.9×
FY 2016 5y median -0.2× FY 2025
Interest Coverage 23.2×
FY 2016: 17.9×FY 2017: 11.0×FY 2018: -1.8×FY 2019: 22.2×FY 2020: 26.9×FY 2021: 17.5×FY 2022: -38.9×FY 2023: 4.1×FY 2024: 18.7×FY 2025: 23.2×
FY 2016 5y median 17.5× FY 2025

Dividends

Dividend Yield 1.4%
FY 2016: 4.1%FY 2017: 4.7%FY 2018: 4.8%FY 2019: 5.2%FY 2020: 4.8%FY 2021: 4.8%FY 2022: 5.6%FY 2023: 3.4%FY 2024: 1.9%FY 2025: 1.4%
FY 2016 5y median 3.4% FY 2025
Payout Ratio 13.0%
FY 2016: 187.8%FY 2017: 95.2%FY 2018: -2417.6%FY 2019: 43.4%FY 2020: 37.3%FY 2021: 56.6%FY 2022: -20.6%FY 2023: 73.0%FY 2024: 15.0%FY 2025: 13.0%
FY 2016 5y median 15.0% FY 2025

Annual · latest fiscal year ends 2025-12-31