Mercury General (STU:MCG) Margin of Safety % (DCF FCF Based): N/A (As of Jul. 30, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:MCG Mercury General Corp STU:MCG
69 GF Score
Price €94.65
GF Value €83.83
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Mercury General Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Mercury General's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

STU:MCG vs SIGI, RLI, WTM: Margin of Safety % (DCF FCF Based) Comparison

For the Insurance - Property & Casualty subindustry, Mercury General's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Insurance Industry

For the Insurance industry and Financial Services sector, Mercury General's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Mercury General's Margin of Safety % (DCF FCF Based) falls into.


STU:MCG
69GF Score
Mercury General Corp STU:MCG
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Mercury General (STU:MCG) Overvalued in 2026?

Based on GuruFocus' analysis, Mercury General stock appears to be overvalued. The current stock price of €94.65 is trading 12.9% above its estimated GF Value™ of €83.83. GuruFocus considers Mercury General to be Modestly Overvalued.

Key valuation signals for STU:MCG:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: €83.83 vs. price of €94.65 (12.9% above fair value)
  • GF Score™: 69/100 with 5 warning signs

No single metric tells the full story. See the STU:MCG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Mercury General Business Description

Other Exchanges MCY:USA
Address 4484 Wilshire Boulevard, Los Angeles, CA, USA, 90010
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.
69GF Score

Get the complete analysis for STU:MCG

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€94.65
Price
€83.83
GF Value