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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.91
MCY's Cash to Debt is ranked lower than
69% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.48 vs. MCY: 0.91 )
Ranked among companies with meaningful Cash to Debt only.
MCY' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.37 Max: N/A
Current: 0.91
Equity to Asset 0.39
MCY's Equity to Asset is ranked higher than
79% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. MCY: 0.39 )
Ranked among companies with meaningful Equity to Asset only.
MCY' s Equity to Asset Range Over the Past 10 Years
Min: 0.38  Med: 0.43 Max: 0.52
Current: 0.39
0.38
0.52
Interest Coverage 22.27
MCY's Interest Coverage is ranked lower than
83% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. MCY: 22.27 )
Ranked among companies with meaningful Interest Coverage only.
MCY' s Interest Coverage Range Over the Past 10 Years
Min: 26.8  Med: 86.32 Max: 9999.99
Current: 22.27
26.8
9999.99
F-Score: 4
WACC vs ROIC
5.72%
4.49%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 2.34
MCY's Operating margin (%) is ranked lower than
88% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.56 vs. MCY: 2.34 )
Ranked among companies with meaningful Operating margin (%) only.
MCY' s Operating margin (%) Range Over the Past 10 Years
Min: -18.68  Med: 7.40 Max: 18.31
Current: 2.34
-18.68
18.31
Net-margin (%) 2.47
MCY's Net-margin (%) is ranked lower than
86% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. MCY: 2.47 )
Ranked among companies with meaningful Net-margin (%) only.
MCY' s Net-margin (%) Range Over the Past 10 Years
Min: -10.03  Med: 6.35 Max: 12.91
Current: 2.47
-10.03
12.91
ROE (%) 4.03
MCY's ROE (%) is ranked lower than
89% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.17 vs. MCY: 4.03 )
Ranked among companies with meaningful ROE (%) only.
MCY' s ROE (%) Range Over the Past 10 Years
Min: -14.43  Med: 10.05 Max: 24.69
Current: 4.03
-14.43
24.69
ROA (%) 1.61
MCY's ROA (%) is ranked lower than
84% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.49 vs. MCY: 1.61 )
Ranked among companies with meaningful ROA (%) only.
MCY' s ROA (%) Range Over the Past 10 Years
Min: -5.79  Med: 4.31 Max: 9.85
Current: 1.61
-5.79
9.85
Revenue Growth (3Y)(%) 2.60
MCY's Revenue Growth (3Y)(%) is ranked lower than
68% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. MCY: 2.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MCY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7  Med: 6.65 Max: 20.7
Current: 2.6
-7
20.7
EBITDA Growth (3Y)(%) -1.70
MCY's EBITDA Growth (3Y)(%) is ranked lower than
78% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. MCY: -1.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MCY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -34.30 Max: 8.2
Current: -1.7
0
8.2
EPS Growth (3Y)(%) -2.50
MCY's EPS Growth (3Y)(%) is ranked lower than
87% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.90 vs. MCY: -2.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MCY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.7  Med: -4.30 Max: 56.4
Current: -2.5
-33.7
56.4
» MCY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

MCY Guru Trades in Q1 2015

Paul Tudor Jones 6,900 sh (New)
PRIMECAP Management 281,600 sh (unchged)
Jim Simons Sold Out
Chuck Royce 175,500 sh (-1.02%)
Murray Stahl 14,954 sh (-4.13%)
» More
Q2 2015

MCY Guru Trades in Q2 2015

Murray Stahl 16,330 sh (+9.20%)
PRIMECAP Management 281,600 sh (unchged)
Chuck Royce 175,500 sh (unchged)
Paul Tudor Jones Sold Out
» More
Q3 2015

MCY Guru Trades in Q3 2015

Jeremy Grantham 30,400 sh (New)
Jim Simons 24,200 sh (New)
PRIMECAP Management 281,600 sh (unchged)
Chuck Royce 175,500 sh (unchged)
Murray Stahl 13,896 sh (-14.91%)
» More
Q4 2015

MCY Guru Trades in Q4 2015

Jim Simons 91,649 sh (+278.71%)
Chuck Royce 171,000 sh (-2.56%)
» More
» Details

Insider Trades

Latest Guru Trades with MCY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 93.44
MCY's P/E(ttm) is ranked lower than
99.99% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.70 vs. MCY: 93.44 )
Ranked among companies with meaningful P/E(ttm) only.
MCY' s P/E(ttm) Range Over the Past 10 Years
Min: 5.12  Med: 13.45 Max: 101.91
Current: 93.44
5.12
101.91
Forward P/E 15.77
MCY's Forward P/E is ranked lower than
81% of the 140 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.82 vs. MCY: 15.77 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 91.70
MCY's PE(NRI) is ranked lower than
99% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.80 vs. MCY: 91.70 )
Ranked among companies with meaningful PE(NRI) only.
MCY' s PE(NRI) Range Over the Past 10 Years
Min: 5.12  Med: 13.45 Max: 100.02
Current: 91.7
5.12
100.02
P/B 1.51
MCY's P/B is ranked lower than
74% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. MCY: 1.51 )
Ranked among companies with meaningful P/B only.
MCY' s P/B Range Over the Past 10 Years
Min: 0.83  Med: 1.40 Max: 2.06
Current: 1.51
0.83
2.06
P/S 0.90
MCY's P/S is ranked higher than
58% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. MCY: 0.90 )
Ranked among companies with meaningful P/S only.
MCY' s P/S Range Over the Past 10 Years
Min: 0.51  Med: 0.88 Max: 1.26
Current: 0.9
0.51
1.26
PFCF 15.66
MCY's PFCF is ranked lower than
62% of the 146 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.29 vs. MCY: 15.66 )
Ranked among companies with meaningful PFCF only.
MCY' s PFCF Range Over the Past 10 Years
Min: 6.63  Med: 15.50 Max: 152
Current: 15.66
6.63
152
POCF 13.94
MCY's POCF is ranked lower than
67% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. MCY: 13.94 )
Ranked among companies with meaningful POCF only.
MCY' s POCF Range Over the Past 10 Years
Min: 6.07  Med: 13.09 Max: 41.54
Current: 13.94
6.07
41.54
EV-to-EBIT 119.17
MCY's EV-to-EBIT is ranked lower than
99.99% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. MCY: 119.17 )
Ranked among companies with meaningful EV-to-EBIT only.
MCY' s EV-to-EBIT Range Over the Past 10 Years
Min: -28.1  Med: 10.10 Max: 130.7
Current: 119.17
-28.1
130.7
EV-to-EBITDA 51.92
MCY's EV-to-EBITDA is ranked lower than
99.99% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.77 vs. MCY: 51.92 )
Ranked among companies with meaningful EV-to-EBITDA only.
MCY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -36.6  Med: 9.10 Max: 56.9
Current: 51.92
-36.6
56.9
Shiller P/E 17.15
MCY's Shiller P/E is ranked lower than
58% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.56 vs. MCY: 17.15 )
Ranked among companies with meaningful Shiller P/E only.
MCY' s Shiller P/E Range Over the Past 10 Years
Min: 8.09  Med: 13.02 Max: 18.94
Current: 17.15
8.09
18.94

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.98
MCY's Dividend Yield is ranked higher than
71% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.09 vs. MCY: 4.98 )
Ranked among companies with meaningful Dividend Yield only.
MCY' s Dividend Yield Range Over the Past 10 Years
Min: 2.74  Med: 5.14 Max: 9.86
Current: 4.98
2.74
9.86
Dividend Payout 1.83
MCY's Dividend Payout is ranked lower than
99% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. MCY: 1.83 )
Ranked among companies with meaningful Dividend Payout only.
MCY' s Dividend Payout Range Over the Past 10 Years
Min: 0.17  Med: 0.43 Max: 15
Current: 1.83
0.17
15
Dividend Growth (3y) 0.70
MCY's Dividend Growth (3y) is ranked lower than
74% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. MCY: 0.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MCY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0.7  Med: 11.50 Max: 20.5
Current: 0.7
0.7
20.5
Forward Dividend Yield 5.16
MCY's Forward Dividend Yield is ranked higher than
71% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.60 vs. MCY: 5.16 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.44
MCY's Yield on cost (5-Year) is ranked higher than
62% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.59 vs. MCY: 5.44 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MCY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.89  Med: 5.43 Max: 10.41
Current: 5.44
2.89
10.41
3-Year Average Share Buyback Ratio -0.10
MCY's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.50 vs. MCY: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MCY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.2  Med: -0.05 Max: 0.8
Current: -0.1
-0.2
0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.52
MCY's Price/Tangible Book is ranked lower than
63% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. MCY: 1.52 )
Ranked among companies with meaningful Price/Tangible Book only.
MCY' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.13  Med: 1.73 Max: 4.1
Current: 1.52
1.13
4.1
Price/Projected FCF 0.91
MCY's Price/Projected FCF is ranked lower than
59% of the 155 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.78 vs. MCY: 0.91 )
Ranked among companies with meaningful Price/Projected FCF only.
MCY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.67 Max: 1.11
Current: 0.91
0.37
1.11
Price/Median PS Value 1.02
MCY's Price/Median PS Value is ranked lower than
57% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.98 vs. MCY: 1.02 )
Ranked among companies with meaningful Price/Median PS Value only.
MCY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.73  Med: 1.20 Max: 3.38
Current: 1.02
0.73
3.38
Price/Graham Number 2.45
MCY's Price/Graham Number is ranked lower than
97% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.98 vs. MCY: 2.45 )
Ranked among companies with meaningful Price/Graham Number only.
MCY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.56  Med: 1.03 Max: 2.57
Current: 2.45
0.56
2.57
Earnings Yield (Greenblatt) (%) 0.88
MCY's Earnings Yield (Greenblatt) (%) is ranked lower than
91% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. MCY: 0.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MCY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 9.60 Max: 29.1
Current: 0.88
0.8
29.1
Forward Rate of Return (Yacktman) (%) -8.11
MCY's Forward Rate of Return (Yacktman) (%) is ranked lower than
90% of the 71 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.25 vs. MCY: -8.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MCY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -12.7  Med: 7.65 Max: 41.4
Current: -8.11
-12.7
41.4

More Statistics

Revenue(Mil) $2945
EPS $ 0.54
Beta0.59
Short Percentage of Float5.82%
52-Week Range $42.97 - 59.25
Shares Outstanding(Mil)55.16

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.70 3.05
EPS without NRI($) 2.70 3.05

Latest Earnings Webcast

» More Conference Calls

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Mercury General Corp is a California Corporation founded in 1961. It operates as an insurance holding company. The Company and its subsidiaries are engaged mainly in writing automobile insurance in a number of states, mainly California. The Company also writes homeowners, mechanical breakdown, fire, umbrella, and commercial automobile and property insurance. The Company offers automobile policyholders the following types of coverage: bodily injury liability, underinsured and uninsured motorist, personal injury protection, property damage liability, comprehensive, collision and other hazards. The Company sets its own automobile insurance premium rates, subject to rating regulations issued by the Departments of Insurance or similar governmental agencies of the applicable states. In addition, the Company offers mechanical breakdown insurance in many states and homeowners insurance in Florida, Illinois, Oklahoma, New York, Georgia, Texas, and Arizona. The Company offers standard, non-standard, and preferred private passenger automobile insurance. The Company conducts the majority of claims processing without the assistance of outside adjusters. The claims staff administers all claims and direct all legal and adjustment aspects of claims processing. The Company sells its policies through approximately 6700 independent agents and brokers, of which over 1,200 are located in each of California and Florida. The remaining agents are located in Georgia, Illinois, Texas, Oklahoma, New York, New Jersey, Virginia, Pennsylvania, Arizona, Nevada, and Michigan. The Company operates in the highly competitive property-casualty industry subject to competition on pricing, claims, consumer recognition, coverage offered and other product features, customer service, and geographic coverage. The Company is subject to significant regulation and supervision by the Departments of Insurance of each state in which the Company operates.
» More Articles for NYSE:MCY

Headlines

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More From Other Websites
Mercury Insurance Launches Ride-Hailing Insurance for Arizona's Uber & Lyft Drivers Feb 10 2016
Mercury Insurance Launches Ride-Hailing Insurance For Nevada's Uber & Lyft Drivers Feb 10 2016
MERCURY GENERAL CORP Files SEC form 10-K, Annual Report Feb 09 2016
Mercury General Corp. Earnings Analysis: 2015 By the Numbers Feb 09 2016
Mercury General Corp. breached its 50 day moving average in a Bullish Manner : February 9, 2016 Feb 09 2016
Edited Transcript of MCY earnings conference call or presentation 8-Feb-16 6:00pm GMT Feb 08 2016
MERCURY GENERAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 08 2016
Mercury General posts 4Q profit Feb 08 2016
Mercury General posts 4Q profit Feb 08 2016
Mercury General Corporation Announces Fourth Quarter and Fiscal 2015 Results and Declares Quarterly... Feb 08 2016
Q4 2015 Mercury General Corp Earnings Release - Before Market Open Feb 08 2016
Mercury Insurance Launches Ride-Hailing Insurance For California's Uber & Lyft Drivers Jan 27 2016
Mercury General Corporation To Report Results On February 8, 2016 Jan 07 2016
Mercury General Corporation To Report Results On February 8, 2016 Jan 07 2016
MERCURY GENERAL CORP Financials Dec 08 2015
Mercury General Corp. breached its 50 day moving average in a Bearish Manner : December 3, 2015 Dec 03 2015
Mercury General Corporation (MCY): Are Hedge Funds Right About This Stock? Nov 25 2015
Mercury General Corp. breached its 50 day moving average in a Bullish Manner : November 23, 2015 Nov 23 2015
Mercury General Corp. breached its 50 day moving average in a Bearish Manner : November 10, 2015 Nov 10 2015
Edited Transcript of MCY earnings conference call or presentation 2-Nov-15 6:00pm GMT Nov 02 2015

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