Mercury General Corp
MCY NYSE· Fire, Marine & Casualty Insurance
Last close · Oct 23, 2026
$102.85
KIRA · Stoqly’s AI analyst, in plain words
- Mercury General Corp had $6.0B of revenue in fiscal 2025, up 9.4% on the year before. Over five years, revenue changed +9.6% a year on average.
- Mercury General Corp made $541M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 24.9% a year.
- Free cash flow was $1.0B in fiscal 2025, 17.2% of revenue.
- Mercury General Corp returned $70.3M to shareholders in fiscal 2025, 7% of free cash flow. The diluted share count rose 0.0%.
- Mercury General Corp has $740M more cash than debt.
Market cap
$5.7B
P/E
6.1x
Revenue
$6.0B
Net income
$541M
Free cash flow
$1.0B
Operating margin
—
Mercury General Corp in 30 seconds · fiscal 2025
Are sales growing?
+9.4%
Yes. Sales grew 9.4% last year.
Does it make a profit?
9.0%
A little. It keeps 9.0% of every sale as profit.
Does profit turn into cash?
17.2%
Yes. 17.2% of sales ends up as free cash.
How healthy are the accounts?
5 / 8
Mixed. It passes 5 of 8 health tests.
How is the share priced?
6.1x
One share costs 6.1 times its yearly profit per share.
What Mercury General Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 17, 2026
- Legal name
- MERCURY GENERAL CORP
- CIK
- 0000064996
Mercury General Corp · MCY
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $4.0B | $3.6B | $4.6B | $5.5B | $6.0B |
| Revenue growth | 5.5% | −8.8% | 27.1% | 18.3% | 9.4% |
| Gross margin | 99.7% | 99.7% | 99.8% | 99.8% | 99.7% |
| Net income | $248M | −$513M | $96.3M | $468M | $541M |
| Net margin | 6.2% | −14.1% | 2.1% | 8.5% | 9.0% |
| Diluted EPS | $4.48 | −$9.26 | $1.74 | $8.45 | $9.77 |
| Cash | |||||
| Cash from operations | $502M | $353M | $453M | $1.0B | $1.1B |
| Capital expenditure | $41.4M | $35.5M | $36.8M | $46.1M | $58.4M |
| Free cash flow | $460M | $317M | $416M | $991M | $1.0B |
| FCF margin | 11.5% | 8.7% | 9.0% | 18.1% | 17.2% |
| Dividends paid | $140M | $105M | $70.3M | $70.3M | $70.3M |
| Share count change | 0.0% | −0.0% | 0.0% | 0.0% | 0.0% |
| Debt and strength | |||||
| Cash and short-term investments | $336M | $290M | $551M | $720M | $1.3B |
| Debt incl. finance leases | $378M | $404M | $578M | $578M | $576M |
| Shareholders' equity | $2.1B | $1.5B | $1.5B | $1.9B | $2.4B |
| Returns and quality | |||||
| Return on equity | 11.9% | −28.0% | 6.3% | 26.8% | 24.8% |
| Return on tangible equity | 11.9% | −34.9% | 6.4% | 24.7% | 22.9% |
| Piotroski F-score | 4 | 4 | 7 | 7 | 5 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Mercury General Corp · MCY
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $102.85 a share, the company is worth $5.7B: 6.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000064996). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.