US · MCY
Mercury General Corporation
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Los Angeles, CA 90010
- Website
- mercuryinsurance.com
Price · as of 2025-12-31
$96.27
Market cap 5.02B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $95.61 | -0.69% |
| Intrinsic Value(DCF) | $357.80 | +271.66% |
| Graham-Dodd Method(GD) | $72.66 | -24.52% |
| Graham Formula(GF) | $167.26 | +73.74% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $23.72 | $16.04 | $7.13 | $14.38 | $28.35 |
| 2012 | $20.86 | $14.12 | $5.02 | $6.79 | $17.72 |
| 2013 | $27.38 | $15.83 | $10.57 | $5.80 | $19.33 |
| 2014 | $34.64 | $24.47 | $13.36 | $12.54 | $47.34 |
| 2015 | $35.87 | $19.35 | $8.29 | $1.90 | $10.98 |
| 2016 | $40.88 | $19.09 | $7.25 | $0.30 | $19.85 |
| 2017 | $33.89 | $16.98 | $15.19 | $6.77 | $35.82 |
| 2018 | $38.73 | $17.16 | $0.00 | $0.00 | $0.00 |
| 2019 | $35.31 | $154.45 | $9.73 | $22.96 | $144.37 |
| 2020 | $53.52 | $45.11 | $30.66 | $31.94 | $23.95 |
| 2021 | $47.12 | $30.23 | $19.82 | $22.28 | $60.39 |
| 2022 | $28.10 | $11.24 | $0.00 | $0.00 | $2.66 |
| 2023 | $46.42 | $19.28 | $16.27 | $16.84 | $59.08 |
| 2024 | $52.80 | $47.69 | $454.52 | $57.58 | $215.83 |
| 2025 | $91.58 | $95.61 | $788.97 | $72.66 | $167.26 |
AI valuation
Our deep-learning model estimates Mercury General Corporation's (MCY) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $95.61
- Current price
- $96.27
- AI upside
- -0.69%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$357.80
+271.66% upside
Graham-Dodd
$72.66
-24.52% upside
Graham Formula
$167.26
+73.74% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| MCY | Mercury General Corporati… | $96.27 | 5.02B | -1% | +272% | -25% | +74% | 9.37 | 2.10 | 0.85 | 5.67 | 60.01 | 2.14 | 33.87% | 11.07% | 9.03% | 24.80% | 33.54% | 6.06% | 0.25 | 23.19 | 66.98 | 66.98 | -0.94 | 1562.00% | 944.00% | 381.00% | 20.28% | 35.33 | 63.77% | 1.39% | 13.00% | 12.99% | 6.56 | 4.23 | 0.73 | 1.88 |
| AB | AllianceBernstein Holding… | $39.26 | 4.34B | +83% | -53% | -31% | — | 13.18 | 3.19 | 11.87 | 16.26 | — | 3.19 | 100.00% | 100.00% | 90.11% | 18.34% | 24.61% | 18.31% | 0.00 | — | — | — | 0.00 | -1995.00% | -2797.00% | -2258.00% | 25.16% | — | 81.59% | 0.00% | 0.00% | 0.00% | 11.87 | 3.97 | 11.87 | 1425.72 |
| AHL | ASPEN INSURANCE HOLDINGS … | $37.50 | 3.44B | — | — | -40% | +158% | — | — | — | — | — | — | 33.13% | 14.52% | 15.20% | 15.48% | -22.57% | 3.14% | 0.11 | 7.47 | — | — | -1.01 | -4669.00% | 1046.00% | 7017.00% | — | — | -26.13% | — | 51.40% | — | — | — | — | — |
| AX | Axos Financial, Inc. | $86.82 | 4.92B | -26% | +569% | -4% | +48% | 11.92 | 1.93 | 2.68 | 5.50 | — | 2.05 | 61.47% | 31.79% | 22.44% | 17.42% | 52.84% | 1.82% | 0.14 | 0.89 | 0.11 | 0.11 | -2.43 | -300.00% | 916.00% | 6182.00% | 8.45% | 0.02 | 53.23% | 0.00% | 0.00% | 1.13% | 5.76 | 8.11 | 1.83 | -0.46 |
| FG | F&G Annuities & Life, Inc… | $22.65 | 3.07B | +56% | +275% | -36% | +22% | 10.84 | 0.61 | 0.51 | 3.20 | — | -0.80 | 30.85% | 5.64% | 4.62% | 6.19% | -1.47% | 0.30% | 0.47 | 1.97 | — | — | 0.65 | -6148.00% | 572.00% | -2191.00% | 158.87% | — | -25.29% | 4.66% | 50.60% | 5.01% | 11.42 | 0.79 | 0.64 | 0.14 |
| HGTY | Hagerty, Inc. | $11.74 | 4.03B | +683% | +518% | -32% | +242% | 6.95 | 3.37 | 0.71 | 7.30 | 0.50 | 9.89 | 81.90% | 75.41% | 8.87% | 65.13% | -608.30% | 7.85% | 0.76 | 26.86 | — | — | -1.77 | 138000.00% | 2223.00% | 2490.00% | 18.76% | — | -116.08% | 0.54% | 3.80% | 11.13% | 0.25 | 1.41 | 0.19 | 3.24 |
| IBOC | International Bancshares … | $67.11 | 4.17B | -11% | -6% | -11% | — | 10.33 | 1.31 | 5.15 | 187.50 | 1357.27 | 1.43 | 100.00% | 70.03% | 49.85% | 13.63% | 61.94% | 2.55% | 0.04 | 2.71 | — | — | -17.87 | 76.00% | -2069.00% | 286.00% | 11.11% | — | 63.84% | 2.04% | 21.10% | 19.04% | 7.56 | 9.26 | 5.29 | 0.67 |
| LMND | Lemonade, Inc. | $51.74 | 3.87B | -22% | +441% | — | — | -23.11 | 7.17 | 5.52 | -23.53 | — | 7.55 | 36.27% | -23.60% | -24.15% | -29.37% | 188.70% | -8.77% | 0.00 | — | — | — | 2.72 | -1930.00% | 3172.00% | 2452.00% | -0.68% | — | 29.86% | 0.00% | 0.00% | 3.35% | -20.94 | -132.36 | 4.94 | 1.16 |
| SIGI | Selective Insurance Group… | $84.04 | 5.08B | -8% | -60% | -14% | +59% | 11.12 | 1.44 | 0.97 | 7.21 | 8.45 | 1.67 | 40.86% | 11.05% | 8.74% | 13.86% | 16.12% | 3.25% | 0.25 | 11.95 | 650.38 | 164.40 | 1.34 | 13158.00% | 978.00% | 1539.00% | 23.79% | 75.28 | 42.63% | 1.97% | 21.90% | 3.75% | 8.21 | 3.92 | 0.91 | 1.94 |
| WBS | Webster Financial Corpora… | $72.13 | 11.63B | -51% | -9% | -37% | +22% | 11.41 | 1.21 | 2.59 | -2.06 | 32.38 | 1.82 | 60.80% | 28.49% | 22.67% | 10.77% | 34.14% | 1.23% | 0.45 | 0.83 | 0.41 | 0.41 | 3.13 | 3524.00% | 613.00% | -3839.00% | 7.37% | 0.02 | 28.70% | 2.33% | 26.60% | 7.52% | -2.06 | -3.07 | -0.59 | -0.18 |
| WTM | White Mountains Insurance… | $2,220.51 | 5.51B | +29% | +420% | +93% | +339% | 5.18 | 1.06 | 2.12 | 4.53 | 1.37 | 1.40 | 53.72% | 49.08% | 40.87% | 22.33% | 24.14% | 9.95% | 0.15 | 22.60 | — | — | 0.46 | 37905.00% | 1499.00% | -10123.00% | -0.13% | — | -0.14% | 0.05% | 0.20% | 0.05% | 4.80 | -886.67 | 2.36 | 1.70 |
About Mercury General Corporation
Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. The company also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance products. Its automobile insurance products include collision, property damage, bodily injury, comprehensive, personal injury protection, underinsured and uninsured motorist, and other hazards; and homeowners insurance products comprise dwelling, liability, personal property, fire, and other hazards. The company sells its policies through a network of independent agents and insurance agencies, as well as directly through internet sales portals in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. Mercury General Corporation was founded in 1961 and is headquartered in Los Angeles, California.
- CEO
- Gabriel Tirador
- Employees
- 4.2K
- Beta
- 0.94
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($357.80 ÷ $96.27) − 1 = +271.66% (DCF, example).