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Mercury GeneralFRA:MCG +2.11%72 Equity-to-Asset is 0.27 as of Jun. 2026, which is 10% below its 10-year median of 0.30. GuruFocus rates FRA:MCG with a GF Score™ of 72/100 and a GF Value™ of €91.75. The stock has 4 warning signs investors should review. Among 502 Insurance companies, Mercury General ranks better than 52.99% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Mercury General's Total Stockholders Equity for the quarter that ended in Jun. 2026 was €2,462 Mil. Mercury General's Total Assets for the quarter that ended in Jun. 2026 was €9,151 Mil.
Therefore, Mercury General's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.27.
The historical rank and industry rank for Mercury General's Equity-to-Asset or its related term are showing as below:
FRA:MCG'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.2 Med: 0.3 Max: 0.38
Current: 0.27
During the past 13 years, the highest Equity to Asset Ratio of Mercury General was 0.38. The lowest was 0.20. And the median was 0.30.
FRA:MCG's Equity-to-Asset is ranked better than 52.99% of 502
companies
in the Insurance industry
Industry Median: 0.26
vs FRA:MCG: 0.27
Mercury General (FRA:MCG) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Mercury General Equity-to-Asset Related Terms
Mercury General Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Mercury General's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:MCG vs SIGI, RLI, WTM: Equity-to-Asset Comparison
For the Insurance - Property & Casualty subindustry, Mercury General's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Mercury General Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Mercury General's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Mercury General's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Mercury General's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Mercury General (FRA:MCG) has a Equity-to-Asset of 0.27 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Mercury General and its competitors. This is 10% below median its historical median of 0.30. Over the past decade, Mercury General's Equity-to-Asset has ranged from 0.20 to 0.38. According to the industry distribution chart, Mercury General ranks #236 out of 502 companies in the Insurance industry, placing it in the top 47%.
Is Mercury General's Equity-to-Asset too high?
Mercury General's current Equity-to-Asset of 0.27 is 10% below median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 0.38. The Insurance industry median Equity-to-Asset is 0.26. Mercury General's value of 0.27 is 3.8% above this industry median. Based on the distribution chart, Mercury General ranks #236 out of 502 companies in the Insurance industry, which is above the industry midpoint. Overall, Mercury General has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Mercury General's Equity-to-Asset compare to SIGI and RLI?
According to the Insurance industry distribution chart, Mercury General ranks #236 out of 502 companies for Equity-to-Asset. This puts Mercury General in the upper half of its industry. The industry median Equity-to-Asset is 0.26. Mercury General's value of 0.27 is 3.8% above this benchmark. Historically, Mercury General's own Equity-to-Asset has ranged from 0.20 to 0.38 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 0.26, Mercury General has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mercury General's current Equity-to-Asset of 0.27 is 3.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Mercury General and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mercury General's current Equity-to-Asset is 0.27, which is 10% below median its own 10-year median of 0.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mercury General stock overvalued right now?
Mercury General (FRA:MCG) has a current Equity-to-Asset of 0.27. The stock's GF Value™ is €91.75, compared to a current price of €87.30 — trading 4.9% below its estimated fair value. The current Equity-to-Asset is 0.27, which is 10% below median its 10-year median of 0.30 and 3.8% above the Insurance industry median of 0.26. Mercury General's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Mercury General (FRA:MCG), the current Equity-to-Asset is 0.27 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Mercury General (FRA:MCG) Overvalued in 2026?
Based on GuruFocus' analysis, Mercury General stock appears to be undervalued.
The current stock price of €87.30 is trading 4.9% below its estimated GF Value™ of €91.75.
Key valuation signals for FRA:MCG:
Equity-to-Asset: 0.27 (10% below median its 10-year median of 0.30)
GF Value™: €91.75 vs. price of €87.30 (4.9% below fair value)
Industry Position: 3.8% above the Insurance median (#236 of 502)
No single metric tells the full story. See the FRA:MCG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mercury General Corp is an insurance holding company. It is engaged in writing personal automobile insurance and provides related property and casualty insurance products. The company offers the following types of automobile coverage: collision, property damage, bodily injury (BI), comprehensive, personal injury protection (PIP), underinsured and uninsured motorist, and other hazards. Additionally, it offers the following types of homeowners coverage: dwelling, liability, personal property, and other coverages. The company has one reportable business segment, the Property and Casualty business segment.
72GF Score
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