Mercury General Corporation logo MCY - Mercury General Corporation

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
1
BUY 0
HOLD 5
SELL 1
STRONG
SELL
0
| PRICE TARGET: $90.00 DETAILS
HIGH: $90.00
LOW: $90.00
MEDIAN: $90.00
CONSENSUS: $90.00
DOWNSIDE: 10.92%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 5,992.5 5,475.6 4,629.6 3,643.1 3,993.4 3,784.5 3,972.5 3,380.0 3,416.0 3,227.7 3,009.3 3,011.8 2,821.0 2,783.4 2,777.3 2,775.9 3,121.5 2,414.2 3,178.8 3,168.7 2,991.9 2,668.2 2,265.5 1,786.3 1,507.0 1,366.0 1,280.7 1,222.1 1,127.9 825.0 683.7 577.2 533.8
Cost of Revenue 3,963.0 4,542.8 4,226.4 4,016.8 3,393.5 3,023.1 3,308.1 3,149.0 3,000.2 2,917.7 2,684.7 2,512.3 2,468.2 2,439.2 2,310.9 2,331.3 2,543.2 2,685.3 2,696.3 2,670.6 2,481.9 2,144.8 1,925.4 1,646.6 1,312.1 1,170.4 1,056.5 937.1 879.6 661.9 545.3 112.7 99.7
Gross Profit 2,029.4 932.9 403.3 (373.8) 599.8 761.4 664.4 231.1 415.7 310 324.6 499.4 352.8 344.1 466.4 444.6 578.3 (271.1) 482.4 498.2 510.1 523.4 340.2 139.6 194.9 195.6 224.2 285.1 248.3 163.1 138.4 464.5 434.1
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8.4
Other Expenses 1,365.8 358.0 303.8 296.9 300.5 302.9 286.3 261.7 248.6 239.3 254.0 252.0 220.7 208.8 221.3 262.2 6.7 179.8 167.4 185.7 157.4 115.5 94.4 79.0 70.1 67.0 55.6 49.8 38.6 26.5 24.1 1 0.8
Operating Expenses 1,365.8 358.0 303.8 296.9 300.5 302.9 286.3 261.7 248.6 239.3 254.0 252.0 220.7 208.8 221.3 262.2 6.7 179.8 167.4 185.7 157.4 115.5 94.4 79.0 70.1 67.0 55.6 49.8 38.6 26.5 24.1 1 9.2
Operating Income
Operating Income 663.6 574.9 99.4 (670.7) 299.3 458.5 378.1 (30.6) 167.1 70.7 70.6 247.4 132.1 135.3 245.1 182.4 571.5 (450.9) 315.0 312.4 352.6 407.8 245.8 60.7 124.8 128.6 168.5 235.3 209.8 136.6 114.3 463.5 424.9
Interest Expense 28.6 30.8 24.2 17.2 17.1 17.0 17.0 17.0 15.2 4.0 3.2 2.6 1.3 1.5 5.5 6.8 6.7 5.0 8.6 9.2 7.2 4.2 3.1 4.1 7.7 7.3 5 4.8 5 2 2 1 0.8
Interest Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA 767.3 679.1 195.8 (571.1) 395.5 544.0 459.8 45.2 237.6 127.9 121.6 278.1 163.9 173.8 291.3 229.9 614.0 (418.9) 349.9 345.9 378.6 428.3 265.0 75.0 141.0 142.8 180.4 245.5 219.9 142.7 120.1 6 6.5
EBIT 692.3 605.7 123.6 (653.5) 316.4 475.5 395.1 (13.6) 182.3 74.7 73.7 250.1 133.4 136.9 250.6 189.2 578.3 (445.9) 323.6 321.6 359.9 412.1 248.9 64.8 132.5 135.8 173.5 240.1 214.8 138.6 116.3 1 0.8
Income Before Tax 663.6 574.9 99.4 (670.7) 299.3 458.5 378.1 (30.6) 167.1 70.7 70.6 247.4 132.1 135.3 245.1 182.4 571.5 (450.9) 315.0 312.4 352.6 407.8 245.8 60.7 124.8 128.6 168.5 235.3 209.8 136.6 114.3 82.4 125.5
Income Tax Expense 122.6 106.9 3.1 (158.0) 51.4 83.9 58.0 (24.9) 22.2 (2.3) (3.9) 69.5 20.0 18.4 53.9 30.2 168.5 (208.7) 77.2 97.6 99.4 121.6 61.5 (5.4) 19.5 19.2 34.8 57.8 53.5 30.8 24.0 16.1 29.3
Net Income 541.1 468.0 96.3 (512.7) 247.9 374.6 320.1 (5.7) 144.9 73.0 74.5 177.9 112.1 116.9 191.2 152.2 403.1 (242.1) 237.8 214.8 253.3 286.2 184.3 66.1 105.3 109.4 133.7 177.5 156.3 105.8 90.3 66.3 96.2
Per Share Data
EPS (Basic) 9.77 8.45 1.74 -9.26 4.48 6.77 5.78 -0.10 2.62 1.32 1.35 3.23 2.04 2.13 3.49 2.78 7.36 -4.42 4.35 3.93 4.64 5.25 3.39 1.22 1.94 2.02 2.45 3.23 2.84 1.93 1.66 1.22 1.76
EPS (Diluted) 9.77 8.45 1.74 -9.26 4.48 6.77 5.78 -0.10 2.62 1.32 1.35 3.23 2.04 2.13 3.49 2.78 7.32 -4.41 4.34 3.92 4.63 5.24 3.38 1.21 1.94 2.02 2.44 3.21 2.82 1.93 1.66 1.21 1.75
Shares Outstanding 55.4 55.4 55.4 55.4 55.4 55.4 55.4 55.3 55.3 55.2 55.2 55.0 54.9 54.9 54.8 54.8 54.8 54.7 54.7 54.7 54.6 54.5 54.4 54.2 54.3 54.1 54.6 55.0 55.0 54.8 54.6 54.3 54.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 1,315.6 720.3 550.9 289.8 335.6 348.5 294.4 314.3 291.4 220.3 185.5 35.4 23.7 37.0 13.2 3.9 5.9 8.1 1.9 3.0 3.6 2.9 0 0
Short-Term Investments 337.0 283.8 178.5 122.9 140.1 375.6 494.1 253.3 302.7 375.7 156.2 204.8 421.4 329.8 286.8 72.0 33.0 43.6 46.0 59.7 66.1 28.5 0 0
Net Receivables 1,014.7 781.5 663.4 658.5 688.4 648.3 690.1 0 0 0 290.5 0 0 0 0 218.4 199.4 172.1 168.9 166.1 144.2 92.6 0 0
Inventory 0 0 0 (1,339.4) 0 0 (1,553.5) (1,379.4) (1,974.8) (1,986.0) 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 (374.5) (1,392.8) 1,247.0 43.3 (1,372.4) 1,561.2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 2,667.3 1,411.0 0 978.8 1,207.4 0 1,486.3 1,388.7 594.1 596.0 341.7 204.8 675.7 594.2 517.8 294.2 238.3 223.7 216.8 228.9 213.9 124.0 0 0
Non-Current Assets
Property, Plant & Equipment 159.0 151.6 165.6 191.6 223.3 219.5 213.9 153.0 145.2 155.9 201.9 191.8 88.6 79.3 61.6 44.4 35.2 34.2 31.9 30.5 30.1 27.5 27.6 27.6
Goodwill 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.9 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 366.6 7.7 8.3 9.2 10.3 11.3 10.6 15.5 20.7 25.6 66.8 0 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 6,243.0 6,076.4 5,050.0 4,910.8 5,002.5 4,729.3 4,312.2 3,768.1 3,732.7 3,547.6 3,146.9 2,933.8 2,921.0 2,539.5 2,150.7 1,936.2 1,795.0 1,575.5 1,590.6 1,448.2 1,168.3 923.2 0 0
Other Non-Current Assets 51.3 (6,206.7) (5,266.7) (4,910.8) 286.2 (5,002.9) (28.0) (13.3) (3,732.7) (3,547.6) (3,146.9) (3,125.6) (2,921.0) (2,539.5) (2,150.7) (1,980.6) (1,830.2) (1,609.7) (1,622.5) (1,478.7) (1,198.3) (950.7) (27.6) (27.6)
Total Non-Current Assets 6,893.4 215.6 0 286.5 5,565.0 0 4,579.5 3,979.4 231.7 269.6 347.7 3,125.6 119.3 97.1 78.6 1,980.6 1,830.2 1,609.7 1,622.5 1,478.7 1,198.3 950.7 27.6 27.6
Total Assets 9,560.7 8,310.6 7,103.4 6,514.2 6,772.5 6,328.2 5,889.2 5,433.7 5,101.3 4,788.7 4,232.6 3,950.2 3,609.7 3,119.8 2,645.3 2,316.5 2,142.3 1,906.4 1,877.0 1,725.5 1,419.9 1,081.7 911.7 864
Current Liabilities
Account Payables 448.7 242.1 175.2 151.7 169.1 194.4 143.3 115.1 108.3 112.3 0 93.9 0 0 0 0 39.7 53.1 53.2 50.7 36.5 25.4 0 0
Short-Term Debt 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 2,255.9 0 0 42.9 1,519.8 0 28.0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 3,633.3 (242.1) (175.2) (194.6) 2,280.0 (204.8) (28.0) (115.1) (108.3) (122.3) 0 (93.9) 0 0 0 0 958.3 851.7 (53.2) 796.8 665.6 465.7 0 0
Total Current Liabilities 6,368.7 20.8 0 0 3,968.9 0 143.3 115.1 61.3 10.0 27.3 139.3 10.1 11.4 6.7 1,117.3 1,001.5 904.8 881.7 850.9 703.7 491.5 0 0
Non-Current Liabilities
Long-Term Debt 574.5 574.1 573.7 398.3 372.9 372.5 372.1 371.7 371.3 320 271.4 158.6 137.0 139.5 147.8 129.5 107.9 92 78 75 75 25 25 15
Deferred Tax Liabilities 0 0 87.9 86.9 53.6 41.1 28.0 (73.6) 22.9 109.6 0 0 0 17.8 0 0 8.3 0 22.6 19.7 6.3 10.2 0 0
Other Non-Current Liabilities 187.8 5,769.2 4,941.2 4,553.7 202.2 (457.5) 0 3,405.4 2,968.6 2,716.3 2,163.0 (158.6) 2,003.0 (139.5) (147.8) (0.0) (116.2) (92) (100.6) (19.7) (6.3) (35.2) (25) (15)
Total Non-Current Liabilities 774.6 6,343.4 5,611.2 5,053.0 663.3 0 448.1 371.7 3,278.7 3,026.4 2,434.4 5.3 2,140.1 1,852.8 1,539.9 129.5 107.9 92 78 75 75 25 25 15
Total Liabilities 7,143.4 6,364.1 5,555.3 4,992.1 4,632.2 4,295.6 4,089.7 3,816.0 3,339.9 3,036.3 2,461.7 2,456.1 2,150.2 1,864.3 1,546.5 1,246.8 1,109.4 996.8 959.6 925.9 778.7 516.5 25 15
Stockholders' Equity
Common Stock 99.7 99.7 98.9 98.9 98.9 99.0 98.8 98.0 97.5 95.5 0 0 60.2 57.5 55.9 54.0 52.2 51.0 48.8 47.4 42.6 40.9 0 0
Retained Earnings 2,317.6 1,846.8 1,449.2 1,423.2 2,041.3 1,933.6 1,700.7 1,519.7 1,663.9 1,656.9 1,699.0 1,423.5 1,318.8 1,113.2 1,000.7 999.8 951.9 901.1 821.3 706.0 581.6 502.1 433.7 386.5
Accumulated Other Comprehensive Income 0 0 0 0 0 0 0 0 0 0 (0.6) (0.9) 80.5 84.8 42.1 17.0 30.9 (39.5) 51.2 46.1 19.0 25.2 0 0
Total Stockholders' Equity 2,417.3 1,946.5 1,548.1 1,522.1 2,140.3 2,032.6 1,799.5 1,617.7 1,761.4 1,752.4 1,770.9 1,494.1 1,459.5 1,255.5 1,098.8 1,069.7 1,032.9 909.6 917.4 799.6 641.2 565.2 457.2 450.3
Total Liabilities & Equity 9,560.7 8,310.6 7,103.4 6,514.2 6,772.5 6,328.2 5,889.2 5,433.7 5,101.3 4,788.7 4,232.6 3,950.2 3,609.7 3,119.8 2,645.3 2,316.5 2,142.3 1,906.4 1,877.0 1,725.5 1,419.9 1,081.7 911.7 864
Debt Metrics
Total Debt 586.9 587.7 588.0 420.3 407.5 416.4 420.1 371.7 371.3 320 271.4 158.6 124.7 124.7 128.9 129.5 107.9 92 78 75 75 25 25 15
Net Debt (728.7) (132.5) 37.1 130.5 72.0 67.9 125.7 57.4 79.9 99.7 85.9 123.2 101.0 87.8 115.7 125.7 102.0 83.9 76.1 72.0 71.4 22.1 25 15
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 541.1 468.0 96.3 (512.7) 247.9 374.6 320.1 (5.7) 144.9 73.0 253.3 286.2 184.3 66.1 105.3 109.4 133.7 177.5 156.3 105.8 90.3 66.3 96.2
Depreciation & Amortization 75.0 73.4 72.2 82.4 79.1 68.5 64.7 58.8 55.3 26.4 18.8 16.2 16.1 10.2 8.5 6.9 6.9 5.4 5.2 4.1 3.7 5 5.7
Stock-Based Compensation 0 0 0 0.0 0.1 0.1 0.1 0.1 0.1 0.1 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 579.9 586.1 330.4 297.5 269.8 233.8 384.7 183.0 185.4 131.7 407.8 182.9 479.4 487.2 183.3 42.9 32.0 32.9 212.1 137.1 37.3 28.4 (42)
Other Non-Cash Items (108.8) (90.4) (45.9) 485.4 16.3 14.3 (250.0) 13.7 42.5 (4.1) (195.3) (16.6) (235.4) (187.0) (97.6) (6.1) 16.4 (10.6) (103.5) (51.3) 0.3 (4.2) 16
Operating Cash Flow 1,087.2 1,037.1 453.0 352.6 501.6 605.6 519.7 383.4 341.4 287.5 489.8 468.7 444.5 342.6 199.5 153.1 188.9 192.1 268.2 196.6 136.6 92.2 75.9
Investing Activities
Capital Expenditure (58.4) (46.1) (36.8) (35.5) (41.4) (40.0) (40.1) (28.0) (19.4) (17.0) (42.2) (26.2) (35.0) (29.4) (18.1) (8.3) (9.3) (7.2) (6.9) (6.0) (4.1) (3.7) (7.1)
Acquisitions 0 0 0 0 0 0 0 0 6.2 0.0 1.2 0 1.4 2.2 0.6 (5.1) 0.9 11.0 0 (33.6) 0 0 0
Purchases of Investments 0 0 (2,189.7) (2,837.7) (2,418.6) (2,109.0) (1,906.9) (1,733.1) (1,610.4) (1,983.3) (2,194.9) (1,416.6) (1,115.6) (902.7) (431.5) (378.2) (691.5) (1,096.3) (971.2) (713.0) (596.5) (359.7) (770.6)
Sales/Maturities of Investments 0 0 1,927.2 2,529.0 2,069.0 1,717.1 1,542.1 1,528.5 1,436.1 1,769.9 1,748.0 1,038.5 793.3 663.5 392.7 284.2 560.7 953.6 740.3 531.5 484.5 281.4 714.1
Other Investing Activities (361.7) (750.5) 3.8 27.9 17.4 20.6 3.7 10.1 1.9 3.6 100.6 0.8 6.7 (1.2) (108.4) 0.8 (3.1) 0.4 1.2 0.2 0.5 (0.1) (0.1)
Investing Cash Flow (420.2) (796.7) (295.4) (316.4) (373.7) (411.3) (401.2) (222.4) (185.6) (226.7) (387.3) (403.5) (349.2) (267.6) (164.7) (106.6) (142.2) (138.5) (236.6) (220.9) (115.7) (82.1) (63.7)
Financing Activities
Net Debt Issuance (1.4) (1.5) 173.9 23.5 (0.8) (0.6) 0 0 51.0 30 0 0 0 0 123.3 37 14 3 (1.8) 50 0 10 0
Stock Repurchased 0 0 0 0 0 0 0 0 0 (3.3) 0 0 0 0 0 (7.0) (8.4) (24.3) 0 0 0 0 0
Dividends Paid (70.3) (70.3) (70.3) (105.5) (140.2) (139.6) (139.1) (138.5) (137.9) (137.2) (93.9) (80.6) (71.8) (65.2) (57.4) (51.9) (45.9) (38.5) (31.9) (26.3) (21.8) (19.1) (16.4)
Other Financing Activities 0 0 0 0 0 0 0.7 0.4 2.2 5.8 0 0 (1) (2) (104.0) (35.0) (0.8) 3 0.1 0 0 0 0
Financing Cash Flow (71.7) (71.1) 103.6 (82.0) (140.8) (140.2) (138.4) (138.1) (84.7) (104.7) (91.5) (78.4) (71.5) (65.6) (36.8) (48.6) (40.6) (54.8) (32.2) 25.0 (21.4) (8.8) (15.8)
Cash Position
Net Change in Cash 595.3 169.4 261.1 (45.8) (12.9) 54.1 (19.9) 22.9 71.1 (43.9) 11.1 (13.2) 23.8 9.3 (2.1) (2.1) 6.2 (1.1) (0.6) 0.7 (0.5) (8.8) (15.8)
Cash at Beginning 720.3 550.9 289.8 335.6 348.5 294.4 314.3 291.4 220.3 264.2 23.7 37.0 13.2 3.9 5.9 8.1 1.9 3.0 3.6 2.9 3.3 2 5.6
Cash at End 1,315.6 720.3 550.9 289.8 335.6 348.5 294.4 314.3 291.4 220.3 34.8 23.7 37.0 13.2 3.9 5.9 8.1 1.9 3.0 3.6 2.9 (6.8) (10.2)
Free Cash Flow 1,028.8 991.0 416.2 317.1 460.1 565.7 479.6 355.5 322.0 270.5 447.6 442.5 409.4 313.2 181.4 144.7 179.7 185.0 261.4 190.7 132.4 88.5 68.8
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 5,992.5 5,475.6 4,629.6 3,643.1 3,993.4 3,784.5 3,972.5 3,380.0 3,416.0 3,227.7 3,009.3 3,011.8 2,821.0 2,783.4 2,777.3 2,775.9 3,121.5 2,414.2 3,178.8 3,168.7 2,991.9 2,668.2 2,265.5 1,786.3 1,507.0 1,366.0 1,280.7 1,222.1 1,127.9 825.0 683.7 577.2 533.8
Gross Profit 2,029.4 932.9 403.3 (373.8) 599.8 761.4 664.4 231.1 415.7 310 324.6 499.4 352.8 344.1 466.4 444.6 578.3 (271.1) 482.4 498.2 510.1 523.4 340.2 139.6 194.9 195.6 224.2 285.1 248.3 163.1 138.4 464.5 434.1
Operating Income 663.6 574.9 99.4 (670.7) 299.3 458.5 378.1 (30.6) 167.1 70.7 70.6 247.4 132.1 135.3 245.1 182.4 571.5 (450.9) 315.0 312.4 352.6 407.8 245.8 60.7 124.8 128.6 168.5 235.3 209.8 136.6 114.3 463.5 424.9
Net Income 541.1 468.0 96.3 (512.7) 247.9 374.6 320.1 (5.7) 144.9 73.0 74.5 177.9 112.1 116.9 191.2 152.2 403.1 (242.1) 237.8 214.8 253.3 286.2 184.3 66.1 105.3 109.4 133.7 177.5 156.3 105.8 90.3 66.3 96.2
EPS (Diluted) 9.77 8.45 1.74 -9.26 4.48 6.77 5.78 -0.10 2.62 1.32 1.35 3.23 2.04 2.13 3.49 2.78 7.32 -4.41 4.34 3.92 4.63 5.24 3.38 1.21 1.94 2.02 2.44 3.21 2.82 1.93 1.66 1.21 1.75
Balance Sheet
Cash & Equivalents 1,315.6 720.3 550.9 289.8 335.6 348.5 294.4 314.3 291.4 220.3 185.5 35.4 23.7 37.0 13.2 3.9 5.9 8.1 1.9 3.0 3.6 2.9 0 0
Total Assets 9,560.7 8,310.6 7,103.4 6,514.2 6,772.5 6,328.2 5,889.2 5,433.7 5,101.3 4,788.7 4,232.6 3,950.2 3,609.7 3,119.8 2,645.3 2,316.5 2,142.3 1,906.4 1,877.0 1,725.5 1,419.9 1,081.7 911.7 864
Total Debt 586.9 587.7 588.0 420.3 407.5 416.4 420.1 371.7 371.3 320 271.4 158.6 124.7 124.7 128.9 129.5 107.9 92 78 75 75 25 25 15
Stockholders' Equity 2,417.3 1,946.5 1,548.1 1,522.1 2,140.3 2,032.6 1,799.5 1,617.7 1,761.4 1,752.4 1,770.9 1,494.1 1,459.5 1,255.5 1,098.8 1,069.7 1,032.9 909.6 917.4 799.6 641.2 565.2 457.2 450.3
Cash Flow
Operating Cash Flow 1,087.2 1,037.1 453.0 352.6 501.6 605.6 519.7 383.4 341.4 287.5 489.8 468.7 444.5 342.6 199.5 153.1 188.9 192.1 268.2 196.6 136.6 92.2 75.9
Capital Expenditure (58.4) (46.1) (36.8) (35.5) (41.4) (40.0) (40.1) (28.0) (19.4) (17.0) (42.2) (26.2) (35.0) (29.4) (18.1) (8.3) (9.3) (7.2) (6.9) (6.0) (4.1) (3.7) (7.1)
Free Cash Flow 1,028.8 991.0 416.2 317.1 460.1 565.7 479.6 355.5 322.0 270.5 447.6 442.5 409.4 313.2 181.4 144.7 179.7 185.0 261.4 190.7 132.4 88.5 68.8