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

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Mercury General Corporation MCY

Mercury General Corporation MCY

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