MERCURY GENERAL CORP MCY

Latest FY: 2025 Financial Services Insurance - Property & Casualty
Market Price $102.42
Market Cap $5.67B
P/E Ratio 10.48
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑9.4% YoY
$5.99B
3-Yr CAGR: 18.0%
Net Income ↑15.6% YoY
$541.09M
Net Margin: 9.0%
Free Cash Flow ↑5.9% YoY
$1.06B
FCF Yield: 18.74%
EPS (Diluted) ↑15.6% YoY
$9.77
Basic: $9.77
Return on Equity Efficiency
N/A
ROA: 5.7%

📊 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)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $3,227.7M $868.6M $73.0M $1.32 $2.48 4.12% $287.5M $287.5M
FY 2017 $3,416.0M +5.8% $955.9M $144.9M +98.3% $2.62 +98.5% $2.49 4.66% $341.4M $341.4M +18.8%
FY 2018 $3,380.0M -1.1% $786.2M $-5.7M -104.0% $-0.10 -103.8% $2.50 4.84% $383.4M $383.4M +12.3%
FY 2019 $3,972.5M +17.5% $1,249.5M $320.1M +5,688.1% $5.78 +5,880.0% $2.51 5.16% $519.7M $519.7M +35.5%
FY 2020 $3,784.5M -4.7% $1,372.1M $374.6M +17.0% $6.77 +17.1% $2.52 4.83% $605.6M $605.6M +16.5%
FY 2021 $3,993.4M +5.5% $1,216.1M $247.9M -33.8% $4.48 -33.8% $2.53 4.77% $501.6M $501.6M -17.2%
FY 2022 $3,643.1M -8.8% $263.6M $-512.7M -306.8% $-9.26 -306.7% $1.91 5.57% $352.6M $317.1M -36.8%
FY 2023 $4,629.6M +27.1% $1,087.6M $96.3M +118.8% $1.74 +118.8% $1.27 3.40% $453.0M $446.0M +40.7%
FY 2024 $5,475.6M +18.3% $1,760.3M $468.0M +385.8% $8.45 +385.6% $1.27 1.91% $1,037.1M $1,003.7M +125.0%
FY 2025 $5,992.5M +9.4% $2,000.8M $541.1M +15.6% $9.77 +15.6% $1.27 1.35% $1,087.2M $1,062.9M +5.9%
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Valuation

Market Price $102.42
Market Cap $5.67B
Enterprise Value N/A
P/E Ratio 10.48
P/B Ratio N/A
FCF Yield 18.74%
Dividend Yield 1.24%
Shares Outstanding 55,388,600
%

Profitability & Margins

Gross Margin 33.39%
Operating Margin 11.07%
Net Margin 9.03%
Return on Equity (ROE) N/A
Return on Assets (ROA) 5.66%
Asset Turnover 0.63x
Revenue 3-Yr CAGR 18.04%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity N/A
Debt / Assets 0.060
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 18.14%
FCF / Revenue 17.74%
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 $9.56B
Total Liabilities $7.14B
Stockholders' Equity N/A
Current Assets N/A
Current Liabilities N/A