NYSE:MCY (USA) Also trade in: Germany

Mercury General Corp

$ 61.38 0.81 (1.34%)
Volume: 188,149 Avg Vol (1m): 286,455
Market Cap $: 3.40 Bil Enterprise Value $: 3.13 Bil
P/E (TTM): 19.70 P/B: 1.95
Earnings Power Value 1.18
Net Current Asset Value 0
Tangible Book 30.03
Projected FCF 72.05
Median P/S Value 56.5
Graham Number 45.91
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 0.73
Cash-To-Debt ranked lower than
69.70% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 10000, Med: 2.82, Min: 0.01
MCY: 0.73
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.02, Med: 0.65, Max: 1.52
Current: 0.73
0.02
1.52
Equity-to-Asset 0.31
Equity-to-Asset ranked higher than
72.73% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 0.95, Med: 0.25, Min: 0.03
MCY: 0.31
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.26, Med: 0.42, Max: 0.52
Current: 0.31
0.26
0.52
Debt-to-Equity 0.22
Debt-to-Equity ranked higher than
55.42% of 83 companies
in the Insurance - Property & Casualty industry.
Industry Max: 15.91, Med: 9999, Min: 0.01
MCY: 0.22
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.03, Med: 0.1, Max: 0.23
Current: 0.22
0.03
0.23
WACC vs ROIC %
ROIC 0%
WACC 1.7%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 4.78
Net Margin ranked lower than
60.15% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 94.29, Med: 6.25, Min: -370.67
MCY: 4.78
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -0.17, Med: 4.22, Max: 12.91
Current: 4.78
-0.17
12.91
ROE % 10.20
ROE ranked lower than
51.88% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 55.81, Med: 8.75, Min: -77.05
MCY: 10.2
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -0.34, Med: 7.29, Max: 24.69
Current: 10.2
-0.34
24.69
ROA % 3.24
ROA ranked higher than
63.16% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 17.69, Med: 2.09, Min: -17.18
MCY: 3.24
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -0.11, Med: 2.88, Max: 9.85
Current: 3.24
-0.11
9.85
3-Year Total Revenue Growth Rate 3.90
3-Year Revenue Growth Rate ranked lower than
60.32% of 126 companies
in the Insurance - Property & Casualty industry.
Industry Max: 456.8, Med: 6.3, Min: -30.7
MCY: 3.9
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -7, Med: 4.8, Max: 24.5
Current: 3.9
-7
24.5

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Financials (Next Earnings Date: 2019-07-30)

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Business Description

Industry Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS : 524126    SIC : 6331
Compare NAS:ANAT NYSE:WTM XKRX:005830 NAS:AFSI NAS:NGHC LSE:BEZ NYSE:RLI NYSE:ARGO TSX:ELF HKSE:06060 XMAD:GCO NAS:NAVG NYSE:PRA XKRX:000060 NAS:SIGI NAS:NMIH NAS:KNSL NAS:SG LSE:HSTG NAS:STFC
Traded in other countries MCG.Germany
Address 4484 Wilshire Boulevard, Los Angeles, CA, USA, 90010
Mercury General Corp is an insurance holding company operating in the property-casualty market, where it focuses on low-cost auto insurance for individuals, with operations in nearly 13 United States of America 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

Current vs industry vs history
PE Ratio (TTM) 19.70
PE Ratio ranked lower than
53.57% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1755, Med: 17.27, Min: 2.89
MCY: 19.7
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 5.12, Med: 20.48, Max: 101.91
Current: 19.7
5.12
101.91
PE Ratio without NRI 19.70
PE without NRI ranked lower than
52.68% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1755, Med: 17.6, Min: 2.89
MCY: 19.7
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 5.12, Med: 20.48, Max: 101.91
Current: 19.7
5.12
101.91
Price-to-Owner-Earnings 7.07
Price-to-Owner-Earnings ranked higher than
82.14% of 84 companies
in the Insurance - Property & Casualty industry.
Industry Max: 3633.33, Med: 11.52, Min: 2.34
MCY: 7.07
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 4.18, Med: 12.21, Max: 121.46
Current: 7.07
4.18
121.46
PB Ratio 1.95
PB Ratio ranked lower than
53.38% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 11.38, Med: 1.43, Min: 0.08
MCY: 1.95
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.83, Med: 1.42, Max: 2
Current: 1.95
0.83
2
PS Ratio 0.92
PS Ratio ranked higher than
72.18% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 38.05, Med: 1.22, Min: 0.09
MCY: 0.92
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.51, Med: 0.87, Max: 1.26
Current: 0.92
0.51
1.26
Price-to-Free-Cash-Flow 7.58
Price-to-Free-Cash-Flow ranked higher than
68.18% of 88 companies
in the Insurance - Property & Casualty industry.
Industry Max: 621.88, Med: 12.17, Min: 0.47
MCY: 7.58
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 6.13, Med: 14.88, Max: 152
Current: 7.58
6.13
152
Price-to-Operating-Cash-Flow 7.11
Price-to-Operating-Cash-Flow ranked higher than
66.33% of 98 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1058.33, Med: 10.59, Min: 0.46
MCY: 7.11
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 5.74, Med: 13.12, Max: 41.54
Current: 7.11
5.74
41.54
EV-to-Revenue 0.85
EV-to-Revenue ranked higher than
70.31% of 128 companies
in the Insurance - Property & Casualty industry.
Industry Max: 27.81, Med: 1.19, Min: 0.01
MCY: 0.85
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.5, Med: 0.8, Max: 1.2
Current: 0.85
0.5
1.2
Shiller PE Ratio 20.70
Shiller PE Ratio ranked higher than
55.07% of 69 companies
in the Insurance - Property & Casualty industry.
Industry Max: 433.84, Med: 20.4, Min: 7.01
MCY: 20.7
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 8.09, Med: 13.66, Max: 25.04
Current: 20.7
8.09
25.04

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 4.10
Trailing Dividend Yield ranked higher than
85.05% of 194 companies
in the Insurance - Property & Casualty industry.
Industry Max: 15.15, Med: 2.98, Min: 0.09
MCY: 4.1
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 3.65, Med: 5.24, Max: 9.86
Current: 4.1
3.65
9.86
Dividend Payout Ratio 0.80
Dividend Payout Ratio ranked lower than
79.10% of 134 companies
in the Insurance - Property & Casualty industry.
Industry Max: 4.8, Med: 0.32, Min: 0.02
MCY: 0.8
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.32, Med: 0.95, Max: 1.88
Current: 0.8
0.32
1.88
3-Year Dividend Growth Rate (Per Share) 0.40
3-Year Dividend Growth Rate ranked lower than
78.48% of 79 companies
in the Insurance - Property & Casualty industry.
Industry Max: 128.9, Med: 8.6, Min: -100
MCY: 0.4
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0.4, Med: 12, Max: 33.1
Current: 0.4
0.4
33.1
Forward Dividend Yield % 4.14
Forward Dividend Yield ranked higher than
83.85% of 192 companies
in the Insurance - Property & Casualty industry.
Industry Max: 17.42, Med: 3.17, Min: 0.09
MCY: 4.14
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 4.20
Yield-on-Cost (5y) ranked higher than
58.03% of 193 companies
in the Insurance - Property & Casualty industry.
Industry Max: 112.5, Med: 4.91, Min: 0.09
MCY: 4.2
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 3.72, Med: 5.35, Max: 10.06
Current: 4.2
3.72
10.06
3-Year Share Buyback Rate -0.10
3-Year Share Buyback Rate ranked higher than
63.22% of 87 companies
in the Insurance - Property & Casualty industry.
Industry Max: 21.9, Med: -0.4, Min: -49.5
MCY: -0.1
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -0.4, Med: -0.1, Max: 0.6
Current: -0.1
-0.4
0.6

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 2.04
Price-to-Tangible-Book ranked higher than
56.59% of 129 companies
in the Insurance - Property & Casualty industry.
Industry Max: 32.5, Med: 1.7, Min: 0.08
MCY: 2.04
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 1.04, Med: 1.74, Max: 4.1
Current: 2.04
1.04
4.1
Price-to-Projected-FCF 0.85
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
61.96% of 92 companies
in the Insurance - Property & Casualty industry.
Industry Max: 12.4, Med: 0.84, Min: 0.06
MCY: 0.85
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.37, Med: 0.73, Max: 1.66
Current: 0.85
0.37
1.66
Price-to-Median-PS-Value 1.09
Price-to-Median-PS-Value ranked higher than
80.67% of 119 companies
in the Insurance - Property & Casualty industry.
Industry Max: 7.15, Med: 1.18, Min: 0.35
MCY: 1.09
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.41, Med: 1.17, Max: 3.45
Current: 1.09
0.41
3.45
Price-to-Graham-Number 1.34
Price-to-Graham-Number ranked higher than
55.00% of 100 companies
in the Insurance - Property & Casualty industry.
Industry Max: 11.78, Med: 1.17, Min: 0.41
MCY: 1.34
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.5, Med: 1.03, Max: 2.59
Current: 1.34
0.5
2.59
Forward Rate of Return (Yacktman) % -25.68
Forward Rate of Return ranked lower than
64.37% of 87 companies
in the Insurance - Property & Casualty industry.
Industry Max: 333.79, Med: 12.52, Min: -44.7
MCY: -25.68
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: -25.68, Med: 7.4, Max: 20.7
Current: -25.68
-25.68
20.7

More Statistics

Revenue (TTM) (Mil) $ 3,614.56
EPS (TTM) $ 3.12
Beta -0.08
Volatility % 27.61
52-Week Range $ 43.46 - 61.83
Shares Outstanding (Mil) 55.35

Analyst Estimate

Piotroski F-Score Details