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Mercury General Corp (New York Stock Exchange:MCY)
US · Delayed Price · Currency is USD
Financial Services · Insurance - Property & Casualty
83.89+1.15 (+1.39%)
Market cap
$4.65B
Insider Score
Health Score
Analyst consensus
Listed since
Nov 20, 1985
Website
Insider Score
79/ 100
MCY Insider Score
Bullish1 qualifying trade · 1 insider · $62.01K bought in the last 90 days
Financial Health Score
Strong
From MCY’s reported statements · Q3 2026 (trailing 12 months)
Profitability15 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $6.14B
- Net income
- $642.8M
- Net margin
- 10.5%
Leverage20 / 20
Little or no net debt.
- Total debt
- $587.0M
- Cash
- $1.31B
- Net debt / EBITDA
- -0.79x
Liquidity13 / 20
Covers near-term obligations, without much room.
- Current assets
- $9.98B
- Current liabilities
- $6.74B
- Current ratio
- 1.48
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $1.22B
- Free cash flow
- $1.16B
- FCF margin
- 18.8%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 55.4M
- Share growth (1y)
- 0.0%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
MCY Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 1.38 B | 1.68 B | 1.54 B | 1.54 B | 1.58 B | 1.48 B |
| Revenue Growth (YoY) | -12.84 % | 13.80 % | 10.47 % | 12.41 % | 3.56 % | 13.25 % |
| Cost of Revenue | 1.02 B | 1.22 B | 932.95 M | 226.67 M | 1.12 B | 1.17 B |
| Gross Profit | 364.77 M | 458.16 M | 606.86 M | 1.31 B | 466.02 M | 309.97 M |
| SG&A Expense | 377.48 M | 0.00 | 364.39 M | 0.00 | 0.00 | 0.00 |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 377.48 M | 130.83 M | 371.21 M | 1.06 B | 115.70 M | 103.22 M |
| Operating Income | -12.71 M | 327.33 M | 235.65 M | 248.88 M | 350.32 M | 206.75 M |
| Pretax Income | -22.88 M | 327.33 M | 235.65 M | 248.88 M | 350.32 M | 206.75 M |
| Tax Provision | -9.19 M | 63.83 M | 45.23 M | 46.33 M | 69.92 M | 40.28 M |
| Net Income | -13.69 M | 263.50 M | 190.42 M | 202.55 M | 280.40 M | 166.47 M |
| EPS (Basic) | -0.25 | 4.76 | 3.44 | 3.66 | 5.06 | 3.01 |
| EPS (Diluted) | -0.25 | 4.76 | 3.44 | 3.66 | 5.06 | 3.01 |
| Shares Outstanding | 55.39 M | 55.39 M | 55.39 M | 55.39 M | 55.39 M | 55.39 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.