Mercury GeneralFRA:MCG +0.54%73 OCF Margin % is 21.15% as of Mar. 2026, which is 77% above its 10-year median of 11.95. GuruFocus rates FRA:MCG with a GF Score™ of 73/100 and a GF Value™ of €85.05 (Fairly Valued). The stock has 5 warning signs investors should review. Among 501 Insurance companies, Mercury General ranks better than 78.04% on this metric.
The historical rank and industry rank for Mercury General's OCF Margin % or its related term are showing as below:
FRA:MCG'
s OCF Margin % Range Over the Past 10 Years
Min: 9.04 Med: 11.95 Max: 18.94
Current: 24.13
During the past 13 years, the highest OCF Margin % of Mercury General was 18.94%. The lowest was 9.04%. And the median was 11.95%.
FRA:MCG's OCF Margin % is ranked better than 78.04% of 501
companies
in the Insurance industry
Industry Median: 10.85
vs FRA:MCG: 24.13
Mercury General OCF Margin % Related Terms
Mercury General OCF Margin % Historical Data
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The historical data trend for Mercury General's OCF Margin % 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, WTM, RLI: OCF Margin % Comparison
For the Insurance - Property & Casualty subindustry, Mercury General's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Mercury General's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Mercury General's OCF Margin % falls into.
* 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 OCF Margin % of 21.15% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Mercury General and its competitors. This is 77% above median its historical median of 11.95. Over the past decade, Mercury General's OCF Margin % has ranged from 9.04 to 18.94. According to the industry distribution chart, Mercury General ranks #110 out of 501 companies in the Insurance industry, placing it in the top 22%.
Is Mercury General's OCF Margin % too high?
Mercury General's current OCF Margin % of 21.15% is 77% above median its 10-year median of 11.95. Over the past 10 years, this metric has ranged from a low of 9.04 to a high of 18.94. The Insurance industry median OCF Margin % is 10.85. Mercury General's value of 21.15% is 94.9% above this industry median. Based on the distribution chart, Mercury General ranks #110 out of 501 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 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mercury General's OCF Margin % compare to SIGI and WTM?
According to the Insurance industry distribution chart, Mercury General ranks #110 out of 501 companies for OCF Margin %. This places Mercury General in the top 22% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 10.85. Mercury General's value of 21.15% is 94.9% above this benchmark. Historically, Mercury General's own OCF Margin % has ranged from 9.04 to 18.94 over the past decade. While the company's 10-year median is 11.95 vs. the industry median of 10.85, 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.85, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mercury General's current OCF Margin % of 21.15% is 94.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Mercury General and its competitors. For the Insurance industry, the median OCF Margin % is 10.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mercury General's current OCF Margin % is 21.15%, which is 77% above median its own 10-year median of 11.95. 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 Fairly Valued. The stock's GF Value™ is €85.05, compared to a current price of €90.25 — trading 6.1% above its estimated fair value. The current OCF Margin % is 21.15%, which is 77% above median its 10-year median of 11.95 and 94.9% above the Insurance industry median of 10.85. Mercury General's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Mercury General (FRA:MCG), the current OCF Margin % is 21.15% as of Mar. 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 €90.25 is trading 6.1% above its estimated GF Value™ of €85.05.
GuruFocus considers Mercury General to be Fairly Valued.
Key valuation signals for FRA:MCG:
OCF Margin %: 21.15% (77% above median its 10-year median of 11.95)
GF Value™: €85.05 vs. price of €90.25 (6.1% above fair value)
Industry Position: 94.9% above the Insurance median (#110 of 501)
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.
73GF Score
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