Mercury GeneralFRA:MCG +1.73%72 EV-to-FCF is 3.86 as of Jul. 03, 2026, which is 41% below its 10-year median of 6.51. GuruFocus rates FRA:MCG with a GF Score™ of 72/100 and a GF Value™ of €82.23 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 395 Insurance companies, Mercury General ranks better than 79.24% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Mercury General's Enterprise Value is €4,703 Mil.
Mercury General's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €1,219 Mil. Therefore, Mercury General's EV-to-FCF for today is 3.86.
The historical rank and industry rank for Mercury General's EV-to-FCF or its related term are showing as below:
FRA:MCG'
s EV-to-FCF Range Over the Past 10 Years
Min: 2.56 Med: 6.51 Max: 15.23
Current: 3.77
During the past 13 years, the highest EV-to-FCF of Mercury General was 15.23. The lowest was 2.56. And the median was 6.51.
FRA:MCG's EV-to-FCF is ranked better than 79.24% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs FRA:MCG: 3.77
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Mercury General's PE Ratio (TTM) for today is calculated as:
Mercury General's share price for today is €94.10.
Mercury General's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €13.023.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Mercury General EV-to-FCF Related Terms
Mercury General EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Mercury General's EV-to-FCF 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.
For the Insurance - Property & Casualty subindustry, Mercury General's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Mercury General's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Mercury General's EV-to-FCF falls into.
Mercury General's current Enterprise Value is €4,703 Mil.
Mercury General's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1,219 Mil.
* 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 EV-to-FCF of 3.86 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Mercury General and its competitors. This is 41% below median its historical median of 6.51. Over the past decade, Mercury General's EV-to-FCF has ranged from 2.56 to 15.23. According to the industry distribution chart, Mercury General ranks #82 out of 395 companies in the Insurance industry, placing it in the top 20.8%.
Is Mercury General's EV-to-FCF too high?
Mercury General's current EV-to-FCF of 3.86 is 41% below median its 10-year median of 6.51. Over the past 10 years, this metric has ranged from a low of 2.56 to a high of 15.23. The Insurance industry median EV-to-FCF is 9.32. Mercury General's value of 3.86 is 58.6% below this industry median. Based on the distribution chart, Mercury General ranks #82 out of 395 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Mercury General has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mercury General's EV-to-FCF compare to SIGI and RLI?
According to the Insurance industry distribution chart, Mercury General ranks #82 out of 395 companies for EV-to-FCF. This places Mercury General in the top 21% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.32. Mercury General's value of 3.86 is 58.6% below this benchmark. Historically, Mercury General's own EV-to-FCF has ranged from 2.56 to 15.23 over the past decade. While the company's 10-year median is 6.51 vs. the industry median of 9.32, Mercury General has consistently been below 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mercury General's current EV-to-FCF of 3.86 is 58.6% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Mercury General and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mercury General's current EV-to-FCF is 3.86, which is 41% below median its own 10-year median of 6.51. 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?
Based on GuruFocus' analysis, Mercury General (FRA:MCG) is currently considered Modestly Overvalued. The stock's GF Value™ is €82.23, compared to a current price of €94.10 — trading 14.4% above its estimated fair value. The current EV-to-FCF is 3.86, which is 41% below median its 10-year median of 6.51 and 58.6% below the Insurance industry median of 9.32. Mercury General's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Mercury General (FRA:MCG), the current EV-to-FCF is 3.86 as of Jul. 03, 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 overvalued.
The current stock price of €94.10 is trading 14.4% above its estimated GF Value™ of €82.23.
GuruFocus considers Mercury General to be Modestly Overvalued.
Key valuation signals for FRA:MCG:
EV-to-FCF: 3.86 (41% below median its 10-year median of 6.51)
GF Value™: €82.23 vs. price of €94.10 (14.4% above fair value)
Industry Position: 58.6% below the Insurance median (#82 of 395)
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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