profit from every $100 of sales.
$0$100
Mercury General
$84.21+1.78% today
-2.1% in 1 year
1-year low $82.611-year high $111.12
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2020 to 2025.
0%20% a year
You pay $8.62 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Mercury General sold, what it kept, and what it did with the cash.
Sales went from $3.64 billion in 2022 to $5.99 billion in 2025, with $541 million of profit last year.
SalesProfit
Mercury General handed back 7% of the cash it generated last year.
$70M
Free cash flow 2025$1.0B
Bought back its own shares–
Paid as dividends$70M
Cash vs. debt$1.3B vs. $587M
Mercury General vs. similar companies
Mercury General grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Mercury General | 8.6× · Cheap | ||
 Chubb | 13.7× · Cheap | ||
 The Progressive | 11.9× · Cheap | ||
 Tokio Marine Holdings | 15.6× · Fair price | ||
 The Travelers Companies | 13.1× · Cheap |
AI analysis
An AI analyst reads Mercury General's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 3,785 | 3,993 | 3,643 | 4,630 | 5,476 | 5,992 | |
| 3,773 | 3,981 | 3,632 | 4,618 | 5,462 | 5,977 | |
| – | – | – | – | – | – | |
| 544 | 395 | -571 | 196 | 679 | 767 | |
| 375 | 248 | -513 | 96 | 468 | 541 | |
| 6.77 | 4.48 | -9.26 | 1.74 | 8.45 | 9.77 | |
| 99.7% | 99.7% | 99.7% | 99.8% | 99.8% | 99.7% | |
| – | – | – | – | – | – | |
| 9.9% | 6.2% | -14.1% | 2.1% | 8.5% | 9.0% |
Balance sheet
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Total assets | 6,328 | 6,772 | 6,514 | 7,103 | 8,311 | 9,561 |
| Cash | 348 | 336 | 290 | 551 | 720 | 1,316 |
| Total debt | 419 | 410 | 420 | 588 | 588 | 587 |
| Total liabilities | 4,296 | 4,632 | 4,992 | 5,555 | 6,364 | 7,143 |
| 2,033 | 2,140 | 1,522 | 1,548 | 1,947 | 2,417 | |
| 55 | 55 | 55 | 55 | 55 | 55 | |
| 15.3% | 9.8% | -26.6% | 4.6% | 18.9% | 18.2% | |
| 18.4% | 11.6% | -33.7% | 6.2% | 24.0% | 22.4% |
Cash flow
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 606 | 502 | 353 | 453 | 1,037 | 1,087 | |
| 40 | 41 | 36 | 37 | 46 | 58 | |
| 566 | 460 | 317 | 416 | 991 | 1,029 | |
| Dividends paid | 140 | 140 | 105 | 70 | 70 | 70 |
| – | – | – | – | – | – | |
| 0 | 0 | 0 | 0 | 5 | 15 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 8.6×
- 9.4×
- 1.13
- 2.0×
- 0.8×
- 11.6%
- 1.3%
Profitability
- 9.0%
- 18.7%
- 3.9%
- 36.5%
- 8.5%
Growth
- +9.6%
- +7.6%
- −12.8%
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 9%of 848
Bottom 36%of 736
Top 21%of 868
Top 45%of 867
Top 9%of 926
What analysts expect
- Average price target
- $90.00
- Range
- $90.00 – $90.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 5, 2026 | 3.50 | 2.15 | +62.8% |
| Feb 17, 2026 | 3.66 | 2.56 | +43.0% |
| Nov 4, 2025 | 3.86 | 2.15 | +79.5% |
| Jul 29, 2025 | 2.67 | 2.00 | +33.5% |
| May 6, 2025 | -2.29 | -4.00 | +42.8% |
| Feb 11, 2025 | 2.78 | 1.94 | +43.3% |
| Oct 29, 2024 | 2.54 | 1.15 | +120.9% |
| Jul 30, 2024 | 1.09 | 0.80 | +36.3% |
1.3%of the share price, paid each year
On $1,000 invested$13a year at today's yield, before tax
−12.8%2020 to 2025
Raised–not every year
Paid per share, each year
$2.47 in 2015 → $1.27 in 2025
How safe it looks
13.0% of its profit
Room to growStretchedMore than it earns: 6.8%
News
2 Reasons to Like MCY and 1 to Stay SkepticalYahoo Finance · Sep 11, 2026The newest story we have is from Sep 11, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
72Pass
Benjamin Graham
55No pass
Philip Fisher
64Pass
Peter Lynch
56No pass
Joel Greenblatt
69Pass
Charlie Munger
58No pass
Terry Smith
57No pass
Questions about Mercury General
Is Mercury General a good stock to buy?
A solid business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Mercury General AI analysis
What does Mercury General do?
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. It is in Insurance - Property & Casualty, based in Los Angeles, CA, United States, with 4,380 employees.
Does Mercury General pay a dividend?
Yes. At today's price the dividend is 1.3% a year, about 13% of its yearly profit. In 2025 it paid out $70.3 million in dividends.
Is Mercury General stock halal?
No. Mercury General does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Mercury General stock done over the past year?
Down 2.1% over the past twelve months, to $84.21. It traded between $82.61 and $111.12 and is 24.2% below its high.
Who are Mercury General's competitors?
The largest listed companies in the same industry are Chubb, The Progressive, Tokio Marine Holdings and The Travelers Companies. The peers table on this page compares their profit, growth and price with Mercury General's.
Prices: daily closes to Nov 10, 2026. Fundamentals: company reports via invest-like data.