MERCURY GENERAL CORP MCY

Latest FY: 2025 Financial Services Insurance - Property & Casualty
Market Price $105.36
Market Cap $5.81B
P/E Ratio 10.78
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑17.5% YoY
$29.60M
3-Yr CAGR: 17.6%
Net Income ↑15.6% YoY
$541.09M
Net Margin: 1,828.0%
Free Cash Flow ↑5.9% YoY
$1.06B
FCF Yield: 18.30%
EPS (Diluted) ↑15.6% YoY
$9.77
Basic: $9.77
Return on Equity Efficiency
N/A
ROA: 7,925.8%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (MCY)

All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
  • FY 2017: Revenue YoY (+5.8%) is identical to Gross Profit YoY (+5.8%). Verify the underlying Revenue and Gross Profit values for FY 2017 and FY 2016.
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $3,227.7M $806.9M $73.0M $1.32 $287.5M $287.5M
FY 2017 $3,416.0M +5.8% $854.0M $144.9M +98.3% $2.62 +98.5% $341.4M $341.4M +18.8%
FY 2018 $16.0M -99.5% $3,369.5M $-5.7M -104.0% $-0.10 -103.8% $383.4M $383.4M +12.3%
FY 2019 $16.3M +1.9% $3,962.0M $320.1M +5,688.1% $5.78 +5,880.0% $519.7M $519.7M +35.5%
FY 2020 $18.0M +10.4% $3,772.7M $374.6M +17.0% $6.77 +17.1% $605.6M $605.6M +16.5%
FY 2021 $20.2M +12.2% $3,980.6M $247.9M -33.8% $4.48 -33.8% $501.6M $501.6M -17.2%
FY 2022 $18.2M -9.9% $3,632.1M $-512.7M -306.8% $-9.26 -306.7% $352.6M $317.1M -36.8%
FY 2023 $20.8M +14.3% $4,618.2M $96.3M +118.8% $1.74 +118.8% $453.0M $446.0M +40.7%
FY 2024 $25.2M +21.2% $5,462.2M $468.0M +385.8% $8.45 +385.6% $1,037.1M $1,003.7M +125.0%
FY 2025 $29.6M +17.5% $5,977.3M $541.1M +15.6% $9.77 +15.6% $1,087.2M $1,062.9M +5.9%
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Valuation

Market Price $105.36
Market Cap $5.81B
Enterprise Value N/A
P/E Ratio 10.78
P/B Ratio N/A
FCF Yield 18.30%
Dividend Yield 1.21%
Shares Outstanding 55,388,600
%

Profitability & Margins

Gross Margin 20,193.47%
Operating Margin 2,240.78%
Net Margin 1,828.02%
Return on Equity (ROE) N/A
Return on Assets (ROA) 7,925.79%
Asset Turnover 4.34x
Revenue 3-Yr CAGR 17.60%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity N/A
Debt / Assets 84.224
Cash & Equivalents N/A
Total Debt $575.00M
Book Value / Share N/A
💧

Cash Flow Efficiency

Operating Cash Flow $1.09B
Capital Expenditures (CapEx) $24.28M
Free Cash Flow $1.06B
OCF / Revenue 3,672.93%
FCF / Revenue 3,590.91%
FCF 3-Yr CAGR 49.66%
🏷️

Per Share Metrics

EPS (Diluted) $9.77
EPS (Basic) $9.77
Dividends / Share $1.27
Book Value / Share N/A
EPS YoY Growth 15.62%
🏛️

Balance Sheet (FY 2025)

Total Assets $6.83M
Total Liabilities $7.14B
Stockholders' Equity N/A
Current Assets N/A
Current Liabilities N/A