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Also traded in: Germany

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 0.70
MCY's Cash-to-Debt is ranked lower than
70% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. MCY: 0.70 )
Ranked among companies with meaningful Cash-to-Debt only.
MCY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.41 Max: 1.52
Current: 0.7
0.02
1.52
Equity-to-Asset 0.36
MCY's Equity-to-Asset is ranked higher than
75% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. MCY: 0.36 )
Ranked among companies with meaningful Equity-to-Asset only.
MCY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.24  Med: 0.42 Max: 0.52
Current: 0.36
0.24
0.52
Debt-to-Equity 0.21
MCY's Debt-to-Equity is ranked higher than
62% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. MCY: 0.21 )
Ranked among companies with meaningful Debt-to-Equity only.
MCY' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01  Med: 0.1 Max: 0.21
Current: 0.21
0.01
0.21
Interest Coverage 9.13
MCY's Interest Coverage is ranked lower than
61% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 31.75 vs. MCY: 9.13 )
Ranked among companies with meaningful Interest Coverage only.
MCY' s Interest Coverage Range Over the Past 10 Years
Min: 9.13  Med: 44.17 Max: 104.84
Current: 9.13
9.13
104.84
WACC vs ROIC
5.52%
4.93%
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 % 2.46
MCY's Operating Margin % is ranked lower than
79% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. MCY: 2.46 )
Ranked among companies with meaningful Operating Margin % only.
MCY' s Operating Margin % Range Over the Past 10 Years
Min: -18.68  Med: 5.72 Max: 18.31
Current: 2.46
-18.68
18.31
Net Margin % 2.45
MCY's Net Margin % is ranked lower than
79% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.62 vs. MCY: 2.45 )
Ranked among companies with meaningful Net Margin % only.
MCY' s Net Margin % Range Over the Past 10 Years
Min: -10.03  Med: 4.84 Max: 12.91
Current: 2.45
-10.03
12.91
ROE % 4.46
MCY's ROE % is ranked lower than
74% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. MCY: 4.46 )
Ranked among companies with meaningful ROE % only.
MCY' s ROE % Range Over the Past 10 Years
Min: -14.43  Med: 7.43 Max: 24.69
Current: 4.46
-14.43
24.69
ROA % 1.65
MCY's ROA % is ranked lower than
63% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. MCY: 1.65 )
Ranked among companies with meaningful ROA % only.
MCY' s ROA % Range Over the Past 10 Years
Min: -5.79  Med: 3.22 Max: 9.85
Current: 1.65
-5.79
9.85
3-Year Revenue Growth Rate 4.40
MCY's 3-Year Revenue Growth Rate is ranked lower than
58% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. MCY: 4.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MCY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7  Med: 5.9 Max: 24.5
Current: 4.4
-7
24.5
3-Year EBITDA Growth Rate -15.10
MCY's 3-Year EBITDA Growth Rate is ranked lower than
77% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. MCY: -15.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MCY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.4 Max: 71.5
Current: -15.1
0
71.5
3-Year EPS without NRI Growth Rate -13.50
MCY's 3-Year EPS without NRI Growth Rate is ranked lower than
75% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.90 vs. MCY: -13.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MCY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -33.7  Med: 3.3 Max: 56.4
Current: -13.5
-33.7
56.4
GuruFocus has detected 4 Warning Signs with Mercury General Corp $MCY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MCY's 30-Y Financials

Financials (Next Earnings Date: 2017-10-31 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

MCY Guru Trades in Q3 2016

Jim Simons 304,500 sh (+27.99%)
PRIMECAP Management 281,600 sh (unchged)
Murray Stahl 7,625 sh (-11.39%)
Chuck Royce 121,000 sh (-29.24%)
» More
Q4 2016

MCY Guru Trades in Q4 2016

Jim Simons 309,000 sh (+1.48%)
PRIMECAP Management 281,600 sh (unchged)
Chuck Royce 116,600 sh (-3.64%)
Murray Stahl 7,177 sh (-5.88%)
» More
Q1 2017

MCY Guru Trades in Q1 2017

Chuck Royce 116,600 sh (unchged)
PRIMECAP Management 281,600 sh (unchged)
Murray Stahl 7,088 sh (-1.24%)
Jim Simons 263,400 sh (-14.76%)
» More
Q2 2017

MCY Guru Trades in Q2 2017

Jim Simons 297,000 sh (+12.76%)
Murray Stahl 7,337 sh (+3.51%)
Chuck Royce 116,600 sh (unchged)
PRIMECAP Management 281,600 sh (unchged)
» 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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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:ANAT, NAS:SIGI, NYSE:PRA, NAS:AFSI, NYSE:WTM, NYSE:RLI, NYSE:THG, NAS:NGHC, NAS:NAVG, NYSE:MBI, NAS:AMSF, NAS:SAFT, NAS:UFCS, NAS:STFC, NAS:IPCC, NAS:SNC, NYSE:STC, NAS:KNSL, NYSE:UVE, NAS:UIHC » details
Traded in other countries:MCG.Germany,
Headquarter Location:USA
Mercury General Corp is an insurance holding company. It is engaged in writing personal automobile insurance as well as homeowners, commercial automobile, commercial property, mechanical breakdown, and umbrella insurance.

Founded in 1961, Mercury General is an insurance holding company operating in the property-casualty market, where it focuses on low-cost auto insurance for individuals, with operations in 13 U.S. states. However, most of its business--about 75% of premiums--comes from California, where it was established by George Joseph, the current company chairman and majority owner. Its insurance is distributed exclusively through independent agents.

Ratios

vs
industry
vs
history
PE Ratio 39.08
MCY's PE Ratio is ranked lower than
90% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. MCY: 39.08 )
Ranked among companies with meaningful PE Ratio only.
MCY' s PE Ratio Range Over the Past 10 Years
Min: 5.12  Med: 15.47 Max: 101.91
Current: 39.08
5.12
101.91
Forward PE Ratio 22.94
MCY's Forward PE Ratio is ranked lower than
99.99% of the 46 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.03 vs. MCY: 22.94 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 39.08
MCY's PE Ratio without NRI is ranked lower than
90% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. MCY: 39.08 )
Ranked among companies with meaningful PE Ratio without NRI only.
MCY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.12  Med: 15.47 Max: 101.91
Current: 39.08
5.12
101.91
Price-to-Owner-Earnings 14.70
MCY's Price-to-Owner-Earnings is ranked lower than
53% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.45 vs. MCY: 14.70 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MCY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.18  Med: 13.79 Max: 74.53
Current: 14.7
4.18
74.53
PB Ratio 1.76
MCY's PB Ratio is ranked lower than
71% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. MCY: 1.76 )
Ranked among companies with meaningful PB Ratio only.
MCY' s PB Ratio Range Over the Past 10 Years
Min: 0.83  Med: 1.4 Max: 2
Current: 1.76
0.83
2
PS Ratio 0.95
MCY's PS Ratio is ranked higher than
61% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. MCY: 0.95 )
Ranked among companies with meaningful PS Ratio only.
MCY' s PS Ratio Range Over the Past 10 Years
Min: 0.51  Med: 0.88 Max: 1.26
Current: 0.95
0.51
1.26
Price-to-Free-Cash-Flow 9.19
MCY's Price-to-Free-Cash-Flow is ranked higher than
59% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.93 vs. MCY: 9.19 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MCY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.91  Med: 15.59 Max: 152
Current: 9.19
7.91
152
Price-to-Operating-Cash-Flow 8.72
MCY's Price-to-Operating-Cash-Flow is ranked higher than
58% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.55 vs. MCY: 8.72 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MCY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.12  Med: 13.24 Max: 41.54
Current: 8.72
7.12
41.54
EV-to-EBIT 33.30
MCY's EV-to-EBIT is ranked lower than
94% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.53 vs. MCY: 33.30 )
Ranked among companies with meaningful EV-to-EBIT only.
MCY' s EV-to-EBIT Range Over the Past 10 Years
Min: -28.1  Med: 10.6 Max: 130.7
Current: 33.3
-28.1
130.7
EV-to-EBITDA 25.28
MCY's EV-to-EBITDA is ranked lower than
94% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. MCY: 25.28 )
Ranked among companies with meaningful EV-to-EBITDA only.
MCY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -36.6  Med: 9.1 Max: 56.9
Current: 25.28
-36.6
56.9
EV-to-Revenue 0.89
MCY's EV-to-Revenue is ranked higher than
59% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. MCY: 0.89 )
Ranked among companies with meaningful EV-to-Revenue only.
MCY' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.5  Med: 0.8 Max: 1.2
Current: 0.89
0.5
1.2
Shiller PE Ratio 23.23
MCY's Shiller PE Ratio is ranked lower than
67% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.92 vs. MCY: 23.23 )
Ranked among companies with meaningful Shiller PE Ratio only.
MCY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.06  Med: 13.36 Max: 25.14
Current: 23.23
8.06
25.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.43
MCY's Dividend Yield % is ranked higher than
75% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 vs. MCY: 4.43 )
Ranked among companies with meaningful Dividend Yield % only.
MCY' s Dividend Yield % Range Over the Past 10 Years
Min: 3.38  Med: 5.13 Max: 9.86
Current: 4.43
3.38
9.86
Dividend Payout Ratio 1.74
MCY's Dividend Payout Ratio is ranked lower than
95% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.37 vs. MCY: 1.74 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MCY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.32  Med: 0.85 Max: 1.88
Current: 1.74
0.32
1.88
3-Year Dividend Growth Rate 0.40
MCY's 3-Year Dividend Growth Rate is ranked lower than
84% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. MCY: 0.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
MCY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0.4  Med: 12.7 Max: 33.1
Current: 0.4
0.4
33.1
Forward Dividend Yield % 4.38
MCY's Forward Dividend Yield % is ranked higher than
76% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.73 vs. MCY: 4.38 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.54
MCY's 5-Year Yield-on-Cost % is ranked higher than
51% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.46 vs. MCY: 4.54 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MCY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.47  Med: 5.26 Max: 10.11
Current: 4.54
3.47
10.11
3-Year Average Share Buyback Ratio -0.20
MCY's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. MCY: -0.20 )
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: -0.4  Med: -0.1 Max: 0.6
Current: -0.2
-0.4
0.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.83
MCY's Price-to-Tangible-Book is ranked lower than
62% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. MCY: 1.83 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MCY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.04  Med: 1.73 Max: 4.1
Current: 1.83
1.04
4.1
Price-to-Intrinsic-Value-Projected-FCF 0.94
MCY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
58% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.81 vs. MCY: 0.94 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MCY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.79 Max: 1.66
Current: 0.94
0.37
1.66
Price-to-Median-PS-Value 1.09
MCY's Price-to-Median-PS-Value is ranked higher than
56% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. MCY: 1.09 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MCY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.4  Med: 1.17 Max: 3.39
Current: 1.09
0.4
3.39
Price-to-Graham-Number 1.79
MCY's Price-to-Graham-Number is ranked lower than
81% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. MCY: 1.79 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MCY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.5  Med: 1.01 Max: 2.59
Current: 1.79
0.5
2.59
Earnings Yield (Greenblatt) % 3.03
MCY's Earnings Yield (Greenblatt) % is ranked lower than
86% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.47 vs. MCY: 3.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MCY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -31.5  Med: 8.25 Max: 29.1
Current: 3.03
-31.5
29.1
Forward Rate of Return (Yacktman) % -7.42
MCY's Forward Rate of Return (Yacktman) % is ranked lower than
91% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. MCY: -7.42 )
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: 5.25 Max: 51.8
Current: -7.42
-12.7
51.8

More Statistics

Revenue (TTM) (Mil) $3,246.11
EPS (TTM) $ 1.44
Beta0.62
Short Percentage of Float12.74%
52-Week Range $50.32 - 64.52
Shares Outstanding (Mil)55.31

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.92 2.48
EPS without NRI ($) 1.92 2.48
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for MCY

Headlines

Articles On GuruFocus.com
Mercury Insurance Is Ready To Assist Policyholders Impacted by the Fury of Hurricane Irma Sep 13 2017 
Mercury Insurance Is Ready To Assist Policyholders in Georgia Impacted by Hurricane Irma Sep 13 2017 
Mercury Insurance Hosts Packing Parties to Assemble Nearly 1,500 Care Packages for Soldiers Deployed Sep 11 2017 
Mercury Insurance is Ready to Assist Customers as Hurricane Irma Threatens Georgia Sep 10 2017 
Mercury Insurance Is Ready To Assist Policyholders Impacted by Hurricane Harvey Aug 28 2017 
Mercury Insurance Names Most Affordable Electric Vehicles to Insure Jul 27 2017 
Are You Ready for Hurricane Season? Jun 01 2017 
Mercury Insurance is Ready to Help Customers Impacted by Oklahoma Tornadoes and Storms May 24 2017 
Forbes Names Mercury Insurance One of 'America's Best Employers' May 09 2017 
Mercury General Corporation To Report First Quarter Results On May 1, 2017 Apr 07 2017 

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