Mercury General Corporation MCY

Financial — Insurance Property & Casualty

99.41 1.12 1.14% as of 25 Sep

Market cap: $5.4B
P/E: 5.9×

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Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	45.06	19.88	0.00	8.43	7.71	11.87	0.00	21.45	7.86	9.63
P/S ratio Full definition →	1.02	0.84	0.85	0.68	0.76	0.74	0.52	0.45	0.67	0.87
P/FCF ratio Full definition →	11.96	8.78	8.05	5.62	5.11	6.38	6.00	4.63	3.67	4.90
P/Operating CF Full definition →	42.21	44.36	49.13	25.43	17.80	39.94	28.08	9.17	14.82	18.10
P/B ratio Full definition →	1.88	1.64	1.77	1.50	1.42	1.37	1.25	1.33	1.89	2.16
Price to Tangible BV Full definition →	1.95	1.70	1.84	1.54	1.46	1.41	1.29	1.38	1.94	2.20
EV/Sales Full definition →	1.05	0.87	0.86	0.70	0.77	0.75	0.55	0.45	0.65	0.75
EV/EBITDA Full definition →	26.46	12.46	64.56	6.03	5.36	7.52	0.00	10.67	5.21	5.82
EV/Operating CF Full definition →	11.61	8.67	7.61	5.34	4.81	5.93	5.70	4.61	3.41	4.11
EV/FCF Full definition →	12.33	9.02	8.21	5.79	5.15	6.47	6.34	4.68	3.52	4.20
Quick Ratio Full definition →	0.30	0.32	0.36	0.30	0.29	0.27	0.22	0.27	0.28	0.37
Current Ratio Full definition →	0.30	0.32	0.36	0.30	0.29	0.27	0.22	0.27	0.28	0.37
Net Debt/EBITDA Full definition →	0.78	0.34	1.27	0.17	0.04	0.09	(0.19)	0.12	(0.22)	(0.97)
Debt/Assets Full definition →	6.68%	7.28%	6.84%	6.32%	5.89%	5.51%	6.11%	8.08%	6.91%	6.01%
Debt/Equity Full definition →	0.18	0.21	0.23	0.21	0.18	0.17	0.26	0.37	0.30	0.24
Asset Turnover Full definition →	0.69	0.69	0.64	0.70	0.62	0.61	0.55	0.68	0.71	0.67
Operating CF/Net income Full definition →	3.99	2.36	(66.94)	1.62	1.62	2.02	(0.69)	4.70	2.22	2.01
Capex/Depreciation Full definition →	(0.32)	(0.24)	(0.48)	(0.62)	(0.58)	(0.52)	(0.43)	(0.10)	(0.46)	(0.32)
Interest Coverage Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
ROE Full definition →	4.09%	8.25%	(0.34%)	18.73%	19.55%	11.88%	(28.00%)	6.28%	26.78%	24.80%
ROA Full definition →	1.55%	2.93%	(0.11%)	5.65%	6.13%	3.79%	(7.72%)	1.41%	6.07%	6.06%
ROIC Full definition →	2.52%	6.19%	(0.51%)	13.15%	14.45%	9.08%	(25.05%)	4.92%	21.03%	25.81%
Return on Tangible Assets Full definition →	(4.64%)	(8.48%)	0.30%	(14.38%)	(15.79%)	(9.26%)	16.20%	(2.94%)	(11.99%)	(14.02%)
Average Days of Receivables Full definition →	59.37	61.59	89.37	67.09	66.67	65.05	65.71	56.64	56.60	61.81
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Intangible Assets out of Total Assets Full definition →	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Graham Net Nets Full definition →	(0.70)	(0.86)	(0.93)	(1.14)	(1.13)	(1.22)	(2.13)	(2.07)	(1.30)	(0.92)
Graham Number Full definition →	30.69	43.33	0.00	65.02	74.79	62.35	0.00	33.09	81.80	97.95
Earnings Yield Full definition →	2.22%	5.03%	(0.19%)	11.86%	12.97%	8.42%	(26.97%)	4.66%	12.73%	10.39%
Free Cash Flow Yield Full definition →	8.36%	11.39%	12.42%	17.78%	19.57%	15.66%	16.68%	21.59%	27.27%	20.40%
Revenue per Share Full definition →	58.42	61.75	61.08	71.77	68.36	72.12	65.79	83.61	98.89	108.19
Operating CF per Share Full definition →	5.28	6.17	6.93	9.39	10.94	9.06	6.37	8.18	18.73	19.63
Capex per Share Full definition →	(0.31)	(0.24)	(0.51)	(0.72)	(0.72)	(0.75)	(0.64)	(0.13)	(0.60)	(0.44)
Free Cash Flow per Share Full definition →	4.97	5.93	6.42	8.66	10.22	8.31	5.73	8.06	18.13	19.19
Cash per Share Full definition →	3.99	5.27	5.68	5.32	6.30	6.06	5.23	9.95	13.01	23.75
Shareholders Equity per Share Full definition →	31.72	31.84	29.23	32.51	36.72	38.66	27.49	27.96	35.15	43.64
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	31.72	31.84	29.23	32.51	36.72	38.66	27.49	27.96	35.15	43.64
Free Cash Flow Full definition →	274.71	328.20	355.48	479.59	565.66	460.17	317.08	446.05	1,003.69	1,062.91
Working Capital Full definition →	(1,731.71)	(1,852.94)	(2,038.74)	(2,395.51)	(2,551.85)	(2,868.16)	(3,336.62)	(3,427.27)	(4,040.23)	(4,007.66)
Capital Expenditures Full definition →	(16.96)	(13.20)	(27.96)	(40.09)	(39.95)	(41.41)	(35.50)	(6.95)	(33.43)	(24.28)
Net Current Asset Value Full definition →	(2,291.01)	(2,472.09)	(2,674.12)	(3,065.04)	(3,255.90)	(3,584.99)	(4,046.44)	(4,285.95)	(4,794.71)	(4,813.08)
EV/EBIT Full definition →	45.33	16.25	0.00	7.02	6.13	9.40	0.00	16.90	5.84	6.46
Capex to Sales Full definition →	0.01	0.00	0.01	0.01	0.01	0.01	0.01	0.00	0.01	0.00
Net Profit Margin Full definition →	2.26%	4.24%	(0.17%)	8.06%	9.90%	6.21%	(14.07%)	2.08%	8.55%	9.03%
Price to Operating Income Full definition →	44.00	15.81	0.00	6.83	6.08	9.28	0.00	16.72	6.08	7.53
Other line items
Depreciation/Fixed assets Full definition →	0.34	0.38	0.38	0.38	0.38	0.41	0.48	0.48	0.53	0.51
Cash ROIC Full definition →	5.92%	8.09%	10.00%	14.22%	15.50%	10.89%	8.20%	11.29%	27.74%	21.83%
Accounts Receivable Turnover Full definition →	6.29	6.20	4.81	5.10	5.32	5.69	5.33	6.74	6.99	6.43
Accounts Payable Turnover Full definition →	1.22	1.15	1.07	1.00	0.86	0.90	0.98	0.94	0.88	0.82
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	309.87	331.00	368.68	377.36	433.63	421.12	389.12	405.61	450.72	471.54
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	513.14	550.71	702.03	778.92	710.74	701.46	683.74	687.12	783.77	931.94
Average Payables Full definition →	2,397.80	2,598.91	2,950.73	3,300.39	3,505.86	3,753.48	4,098.79	4,489.41	5,153.10	5,973.80
Average Assets Full definition →	4,708.68	4,945.02	5,267.53	5,661.44	6,108.70	6,550.36	6,643.33	6,808.79	7,707.01	8,935.65
Average Common Equity Full definition →	1,786.64	1,756.89	1,689.54	1,708.59	1,916.05	2,086.44	1,831.21	1,535.14	1,747.33	2,181.90

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Mercury General Corporation MCY

Mercury General Corporation MCY

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