Mercury General Corporation (MCY) Stock Price & Analysis
Mercury General Corporation (MCY) — MoonshotScore 96/100 (Exceptional band), calculated Oct 26, 2026. Price $101.64 (-1.18%), as of the Oct 26, 2026 trading session; market cap $5.63B. Expected results Nov 3, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 2.72× (market value Oct 26, 2026; cash Jun 30, 2026) · expected results Nov 3, 2026
Mercury General Corporation · MCY · NYSE · Financial Services · Insurance - Property & Casualty
Research dated 2026-09-13: Mercury General writes personal automobile insurance through independent agents and direct web portals across state markets, competing on pricing discipline rather than geographic scale. The company swung from losses to substantial profitability following a catastrophic underwriting year, rebuilding cash reserves and reducing leverage. The central question is whether the underwriting discipline that produced this recovery will withstand sustained price competition and whether geographic concentration in high-risk zones creates outsized exposure to catastrophic weather.
Price as of Oct 26, 2026
Key Statistics
MoonshotScore v2 · Mercury General (MCY)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and durable growth, at a dirt-cheap price, but a strained balance sheet. Business Quality: Elite; Financial Safety: Strained; Valuation: Cheap; Growth Durability: Compounding; Momentum: Rising.
- quarterly revenue $1.68B (Q2 FY2026, quarter ended Jun 30, 2026)
- EPS beat 8 of 8
- Altman Z 2.07 · Piotroski F 6
Holding back: balance-sheet strain
Helping: business quality, an attractive price, durable growth, positive momentum
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 96 | Exceptional | |
| 96 | Exceptional | |
| 96 | Exceptional | |
| 96 | Exceptional | |
| 97 | Exceptional | |
| 97 | Exceptional |
The score was 96 in the stored Oct 24, 2026 snapshot and remains 96 in the current publication computed Oct 26, 2026 (0); the largest pillar moves were Momentum -2; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $101.64 | |
| Change on the day | -1.18% | |
| 52-week range | $74.29–$113.06 | |
| Market capitalisation | $5.63B | |
| Price / earnings (trailing) | 6.08 | |
| Beta (volatility vs the S&P 500) | 0.91 | |
| Dividends per share (last 12 months) | $1.27 | |
| Dividend yield (last 12 months) | 1.25% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextCouncil Score · weighted blend of 2 available disciplines
Council score for Mercury General (MCY): Strongly Bullish
79/100 · ASome lenses disagree with the MoonshotScore. Compare their readings below; each uses a different method.
5-Factor Breakdown
Legends Council
4 lenses, 4 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 26, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
One of these lenses reads this company less favourably than the MoonshotScore does: Englander-style lens. Each lens is a separate scoring function over its own inputs, so a disagreement is a difference of method rather than a correction — the page's answer stays the MoonshotScore above.
On Sep 10, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 26, 2026, except a card that shows its own read date.
Watch the MCY film — every key number, told as a short cinematic story
~2 min · open the film
What is Mercury General (MCY), and what does it report?
Short answer · as of
Mercury General's revenue comes from personal automobile premiums plus homeowners and commercial lines.
Research dated 2026-09-13.
Mercury General's revenue comes from personal automobile premiums plus homeowners and commercial lines. The business model rests on collecting premiums upfront, then paying claims as they arrive over months or years. The difference between premiums earned and claims paid—adjusted for overhead and investment income—is what appears as profit.
The company invests collected premiums in bonds and short-term securities while holding cash for sudden claim spikes. Success depends on pricing policies high enough to cover both expected claims and overhead, which requires discipline: underpricing leads to losses on the entire cohort of policies sold. The company operates in eleven states, which concentrates both market opportunity and catastrophe risk.
What do the latest results show for Mercury General (MCY)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.68B.
Research dated 2026-09-13.
Most recent quarter showed revenue and earnings well ahead of consensus expectations, marking another profitable quarter following recovery from a catastrophic year that eliminated earnings and forced a negative cash quarter. The advance reflects both higher premium volume and improving loss ratios—claims running smaller relative to premiums collected.
Operating cash flow remained robust, confirming earnings are genuine profit rather than accounting timing. The company has regained pricing discipline after the prior loss period, and portfolio management has tightened selection. Claims behavior suggests management can sustain improved underwriting decisions going forward.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $1.68B Jun 30, 2026
- Latest quarter · SG&A
- $0.00 Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $327.33M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $1.68B | Not available | $0.00 | $327.33M |
| Mar 31, 2026 | $1.54B | Not available | $364.39M | $235.65M |
| Dec 31, 2025 | $1.54B | Not available | $0.00 | $248.88M |
| Sep 30, 2025 | $1.58B | Not available | $0.00 | $350.32M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $1.56B Aug 4, 2026
- Latest report · revenue estimate
- $1.52B Aug 4, 2026
- Latest report · revenue vs estimate
- Above estimate Aug 4, 2026
- Latest report · EPS vs estimate
- Above estimate Aug 4, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Aug 4, 2026 | $1.56B | $1.52B | $3.5200 | $2.5300 |
| May 5, 2026 | $1.55B | $1.46B | $3.5000 | $2.1500 |
| Feb 17, 2026 | $1.43B | $1.37B | $3.6600 | $2.5600 |
| Nov 4, 2025 | $1.58B | $1.37B | $3.8600 | $2.1500 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.68B | $264M | $4.76 (diluted) |
| Q1 FY2026 | $1.54B | $190M | $3.44 (diluted) |
| Q4 FY2025 | $1.54B | $203M | $3.66 (diluted) |
| Q3 FY2025 | $1.58B | $280M | $5.06 (diluted) |
What are the financial strengths and risks for Mercury General (MCY)?
Short answer
Cash and short-term investments were $2.07B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $217.70M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
Cash reserves now exceed liabilities by comfortable margin, and long-term investments provide liquidity for claim spikes. Debt remains modest relative to both equity and operating cash generation. Return on equity and operating margins sit near their best levels since at least the data shown here.
The primary vulnerability is concentrated risk. The company sits in a narrow geographic corridor—California, Texas, Florida, and surrounding states—and writes only a handful of coverage types. A sustained pricing war or catastrophic weather event in core territory would compress margins sharply. Financial distress screens suggest moderate financial stress risk, indicating the company has cushion but not boundless reserves.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $217.70M Jun 30, 2026
- Previous quarter · operating cash flow
- $325.60M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $217.70M | −$16.13M |
| Mar 31, 2026 | $325.60M | −$16.80M |
| Dec 31, 2025 | $287.87M | −$14.01M |
| Sep 30, 2025 | $496.44M | −$16.90M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Mercury General (MCY)?
Short answer · as of
The next earnings report is expected on Nov 3, 2026.
Research dated 2026-09-13.
The next earnings report should reveal whether premium growth continues and whether loss ratios improve further or stabilize. Forward estimates anticipate growing earnings if this momentum holds. Watch closely for changes in premium volume combined with quarterly loss ratios to assess whether rate increases are sticking or competition is forcing concessions.
Also track operating cash flow: if actual cash generation falls materially below reported earnings, it may signal reserve changes or policy-holder payment timing issues. Dividend increases or buyback authorizations would signal management confidence in normalized earning power. Management has maintained consistent dividend payments; sustainability depends on sustaining current profitability.
How does Mercury General compare with its peers?
Short answer
Mercury General's score ranks 5th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Most large competitors operate nationwide across dozens of states, achieving geographic diversification that Mercury lacks. National players achieve scale economies in overhead and claims handling that give them pricing flexibility. Mercury's agent-based distribution differs from GEICO's direct model and State Farm's broader agent network; channel choice affects customer acquisition cost and churn.
Where Mercury differs materially is in geographic concentration and balance sheet size relative to catastrophe exposure. A focused footprint can yield higher margins in stable years but narrower shoulders in tail events. The comparison reveals Mercury as a higher-beta regional player versus a lower-beta diversified national competitor, trading stability for margin potential.
| Company | Price | Market value | Score |
|---|---|---|---|
| $28.55 Oct 23, 2026 | $3.33B | 100 5-pillar Oct 26, 2026 | |
| $96.61 Oct 23, 2026 | $5.75B | 98 5-pillar Oct 26, 2026 | |
| $64.83 Oct 23, 2026 | $5.95B | 97 5-pillar Oct 26, 2026 | |
| $237.73 Oct 23, 2026 | $8.28B | 97 5-pillar Oct 26, 2026 | |
| Mercury General (MCY) — this page | $101.64 | $5.63B | 96 |
| $141.78 Oct 23, 2026 | $3.76B | 95 5-pillar Oct 26, 2026 | |
| $2225.24 Oct 23, 2026 | $5.31B | 90 5-pillar Oct 26, 2026 | |
| $60.39 Oct 23, 2026 | $2.68B | 87 5-pillar Oct 26, 2026 | |
| $34.93 Oct 23, 2026 | $3.22B | 86 5-pillar Oct 26, 2026 | |
| $364.49 Oct 23, 2026 | $8.20B | 86 5-pillar Oct 26, 2026 | |
| $91.79 Oct 23, 2026 | $5.22B | 63 5-pillar Oct 26, 2026 | |
| $15.58 Oct 23, 2026 | $5.35B | 61 5-pillar Oct 26, 2026 | |
| $44.92 Oct 23, 2026 | $3.48B | 21 5-pillar Oct 26, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Insider activity
Form 4 records via FMP · Most recent available transactions
- Transactions
- 12
- Identified insiders
- 11
- Purchases
- 0
- Sales
- 0
- Other transactions
- 12
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 47.6% Period end Jun 30, 2026
- Previous quarter · ownership
- 47.0% Prior to period end Jun 30, 2026
- Reporting holders
- 354 Period end Jun 30, 2026
- Previous quarter · holders
- 317 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 4,498,256 |
| Dimensional Fund Advisors LP | 2,163,143 |
| Vanguard Portfolio Management LLC | 1,781,446 |
| Rubric Capital Management LP | 1,541,440 |
| Vanguard Capital Management LLC | 1,232,655 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Mercury General (MCY)?
Mercury General Financial Services Stock: Key Questions Answered
Research dated 2026-09-13; the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
What claim behaviors changed between the loss year and the current recovery?
The company experienced elevated claim ratios that eroded profitability entirely. Since then, management tightened underwriting standards, improved risk selection, and saw loss experience normalize. Whether this reflects permanent operational improvement or cyclical recovery depends on whether the company sustains discipline when competition pressures pricing.
How much earnings volatility does Mercury face from concentrated geographic exposure?
Operations span only eleven states, with material concentration in California, Texas, and Florida—regions where major hurricanes and wildfires can spike claims suddenly. A significant event in any core territory would exhaust cash reserves quickly and force operational or capital decisions. Earnings stability depends on regional claim experience rather than nationwide loss smoothing.
Which investor types have been accumulating Mercury shares recently?
Institutional ownership has increased in the current quarter, with large index and factor-based funds including Blackrock, Dimensional Fund Advisors, and Vanguard subsidiaries as top holders. The rising holder count combined with stable ownership percentage suggests smaller accounts are also entering. This pattern suggests growing appetite among professional investors.
What catalyst would test whether the current profitability level is sustainable?
Sustained price competition in core states would force premium reductions, compressing margins that have recovered recently. Alternatively, catastrophic weather in California, Texas, or Florida would exhaust cash reserves and force capital or operational decisions. Either pressure would quickly reveal whether the company can defend pricing discipline or must retreat.
What is the MCY stock price today?
The last price recorded on this page for Mercury General Corporation (MCY) is $101.64, as of the Oct 26, 2026 trading session (source: Financial Modeling Prep (FMP) quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
Does MCY pay a dividend?
Yes. Mercury General Corporation (MCY) shows a trailing 12-month dividend yield of 1.25%, as of Oct 26, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Claude (claude-haiku-4-5) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (75 figures)
The 75 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | LOS Angeles, CA | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "4484 Wilshire Boulevard, Los Angeles, CA, 90010, US". |
FMP — 65 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Nov 3, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $101.64 | FMP | Financial Modeling Prep (FMP) quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. | |
px.change | Change on the day | -1.18% | FMP | Financial Modeling Prep (FMP) quote | |
px.mcap | Market capitalization | $5.63B | FMP | Financial Modeling Prep (FMP) quote — Provider market cap uses the share class it prices; a company with more than one class may show a larger total elsewhere. Market cap record date: 2026-10-26. Source capture time was not supplied. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | −$1.21 | FMP | Financial Modeling Prep (FMP) quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.68B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $74.29–$113.06 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 6.08 | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.91 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Gabriel Tirador | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 4,380 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $3.99B, net result $247.94M; FY2022 revenue $3.64B, net result −$512.67M; FY2023 revenue $4.63B, net result $96.34M; FY2024 revenue $5.48B, net result $467.95M; FY2025 revenue $5.99B, net result $541.09M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.gross_margin | Gross margin (trailing twelve months) | 44.8% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.68B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $327.33M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.54B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $364.39M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $235.65M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $1.54B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $248.88M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $1.58B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $350.32M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-08-04.revenue_actual | Revenue · reported — report date 2026-08-04 | $1.56B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-04.revenue_estimated | Revenue · estimate — report date 2026-08-04 | $1.52B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-04.eps_actual | EPS · reported — report date 2026-08-04 | $3.5200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-04.eps_estimated | EPS · estimate — report date 2026-08-04 | $2.5300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-05.revenue_actual | Revenue · reported — report date 2026-05-05 | $1.55B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-05.revenue_estimated | Revenue · estimate — report date 2026-05-05 | $1.46B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-05.eps_actual | EPS · reported — report date 2026-05-05 | $3.5000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-05.eps_estimated | EPS · estimate — report date 2026-05-05 | $2.1500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-17.revenue_actual | Revenue · reported — report date 2026-02-17 | $1.43B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-17.revenue_estimated | Revenue · estimate — report date 2026-02-17 | $1.37B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-17.eps_actual | EPS · reported — report date 2026-02-17 | $3.6600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-17.eps_estimated | EPS · estimate — report date 2026-02-17 | $2.5600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-04.revenue_actual | Revenue · reported — report date 2025-11-04 | $1.58B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-04.revenue_estimated | Revenue · estimate — report date 2025-11-04 | $1.37B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-04.eps_actual | EPS · reported — report date 2025-11-04 | $3.8600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-04.eps_estimated | EPS · estimate — report date 2025-11-04 | $2.1500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $2.07B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $217.70M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $6.76B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $962.13M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 1.99× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $217.70M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $325.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$16.13M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$16.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $287.87M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$14.01M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $496.44M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$16.90M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
own.insiders | Insider transactions via FMP | 12 transactions · 0 purchases, 0 sales, 12 other transactions · 11 identified insiders · most recent available transactions | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 47.6% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 47.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 354 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 317 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 4,498,256 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Dimensional Fund Advisors LP — shares in provider snapshot | 2,163,143 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 1,781,446 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Rubric Capital Management LP — shares in provider snapshot | 1,541,440 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Capital Management LLC — shares in provider snapshot | 1,232,655 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 8 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-10 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 2.07 · Piotroski F 6 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-24 · Expired observation |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 2.72× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $2.07B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-26. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.27 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-26, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 1.25% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-08-04.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($1.56B) with the recorded estimate ($1.52B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-08-04.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($3.5200) with the recorded estimate ($2.5300) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 96 of 100 · Exceptional · pillars 99 / 33 / 93 / 82 / 69 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 96 (stored snapshot Oct 24, 2026) → 96 (current publication computed Oct 26, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-08-04. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-08-04.revenue_actual,earn.history.depth.2026-08-04.revenue_estimated,earn.history.depth.2026-08-04.revenue_actual.comparison,earn.history.depth.2026-08-04.eps_actual.comparison,earn.history.depth.2026-08-04.eps_actual,earn.history.depth.2026-08-04.eps_estimated,earn.history.depth.2026-05-05.revenue_actual,earn.history.depth.2026-05-05.revenue_estimated,earn.history.depth.2026-05-05.eps_actual,earn.history.depth.2026-05-05.eps_estimated,earn.history.depth.2026-02-17.revenue_actual,earn.history.depth.2026-02-17.revenue_estimated,earn.history.depth.2026-02-17.eps_actual,earn.history.depth.2026-02-17.eps_estimated,earn.history.depth.2025-11-04.revenue_actual,earn.history.depth.2025-11-04.revenue_estimated,earn.history.depth.2025-11-04.eps_actual,earn.history.depth.2025-11-04.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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. The company's 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, and other coverages. It 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 incorporated in 1961 and is headquartered in Los Angeles, California. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Employees | Count: 4,380 | 2025-12-31 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing |
| Trailing twelve-month ratio set | Debt to equity: 0.34; Net margin: 14.8%; Gross margin: 44.8%; Operating margin: 18.3%; Return on assets: 8.9%; Return on equity: 37.2% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-08-04 | FMP | Financial Modeling Prep (FMP) earnings |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash, investments and debt | Total debt: $962.13M; Liquidity basis: cash and short-term investments; Total liabilities: $7.71B; Cash and short-term investments: $2.07B; Cash and investments: $8.83B; Long-term investments: $6.76B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Distress and quality screens | Altman Z-score: 2.07; Piotroski F-score: 6 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-11-03; EPS estimate: $3.35 per share; Revenue estimate: $1.62B The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
At most 1 analyst contributed — treat this as thin coverage, not a consensus. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Institutional ownership (13F) | Holders: 354; Quarter: 2026-06-30; Ownership: 47.6%; Holders previous quarter: 317; Ownership previous quarter: 47 13F filings are quarterly and lag the quarter end by up to 45 days. | 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings |
| Largest 5 institutional holders | Captured record · 5 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings |
| Analyst actions, most recent per firm | Captured record · 7 entries
One row per firm — the firm's most recent action in our feed. Other data vendors may carry firms ours does not. | 2025-09-22 | FMP | Financial Modeling Prep (FMP) analyst grades |
| SEC filing business address | 4484 WILSHIRE BLVD, LOS ANGELES, CA, 90010 The SEC filer business address. Our market-data provider separately lists "4484 Wilshire Boulevard, Los Angeles, CA, 90010, US". | 2026-09-13 | OFFICIAL | SEC EDGAR filer business address |
| Recent SEC filings |
| 2026-08-26 | OFFICIAL | SEC EDGAR filer submissions |
| Insider transactions, last 180 days | Net shares: 1,660.26; Window days: 180; Buy transactions: 0; Distinct insiders: 2; Sell transactions: 0; Other transactions: 2; Total transactions: 2; Other transaction types: A-Award: 2; Unknown direction transactions: 0 Purchase and sale counts require explicit provider transaction types, without a conflicting acquisition/disposition direction. Other transactions retain their provider type; awards, exercises, gifts and in-kind transactions are not counted as purchases or sales. Net shares sums acquired minus disposed shares across direction-known records, including other transaction types; unknown directions are excluded. It is not net purchases or a verified change in beneficial ownership. Named-insider counts, same-day clusters and positive reported prices cover all retained records. Filing dates are used only when transaction dates are absent. Neither timing nor price establishes motive or whether a transaction was on the open market. | 2026-04-20 | FMP | Financial Modeling Prep (FMP) insider transactions, from Form 4 filings |
Data provided for informational purposes only.