MCY
BULLISHAt a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Ref P/E 9.79, PEG 1.11, Graham Number $97.95
- Price is near Graham Number
- P/E is well below sector average
- PEG ratio of 1.11 is reasonable
- Price/Book is slightly elevated at 2.19
Ref Growth rates and Earnings surprises
- 100%+ earnings growth
- Double-digit revenue growth (14.1%)
- Strong quarterly surprise track record
- Recent Q/Q EPS growth slight dip (-5.2%)
Ref Historical earnings progression
- Successful turnaround from 2023 losses
- Strong 1Y price performance (+73%)
- History of significant quarterly earnings misses in 2022-2023
Ref Piotroski F-Score 4/9, Debt/Equity 0.24
- Very low Debt/Equity (0.24)
- Piotroski F-Score of 4/9 is only 'Stable'
- Current ratio (0.56) is below 1.0
Ref Yield 1.33%, Payout 13%
- Very low payout ratio (13%) ensures sustainability
- Low yield (1.33%)
- Low overall dividend strength score
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for MCY and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
MCY
Mercury General Corporation
Primary
|
+80.8% | +239.3% | +73.0% | +25.1% | +8.9% | -0.6% |
|
AUB
Atlantic Union Bankshares Corporation
Peer
|
+14.1% | +29.3% | +52.3% | +11.7% | +7.3% | -2.1% |
|
HASI
HA Sustainable Infrastructure Capital, Inc.
Peer
|
-3.9% | +75.4% | +72.5% | +49.0% | +16.3% | +2.7% |
|
ASB
Associated Banc-Corp
Peer
|
+58.3% | +79.1% | +38.4% | +12.5% | +12.5% | +0.9% |
|
AX
Axos Financial, Inc.
Peer
|
+123.1% | +117.6% | +29.3% | +8.3% | +3.2% | -2.9% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Quarterly Earnings History
EPS performance vs analyst estimates
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
MCY
Mercury General Corporation
|
BULLISH | $5.3B | 9.79 | 24.8% | 9.0% | $95.65 | |
|
AUB
Atlantic Union Bankshares...
|
BULLISH | $5.32B | 15.91 | 6.7% | 22.2% | $37.22 | Compare |
|
HASI
HA Sustainable...
|
BEARISH | $5.34B | 29.62 | 7.4% | 192.3% | $41.77 | Compare |
|
ASB
Associated Banc-Corp
|
BULLISH | $5.24B | 10.05 | 9.9% | 33.1% | $27.85 | Compare |
|
AX
Axos Financial, Inc.
|
NEUTRAL | $5.2B | 12.94 | 16.7% | 36.0% | $91.75 | Compare |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-20 | TIRADOR GABRIEL | Chief Executive Officer | Stock Award | 4,348 | - |
| 2026-02-20 | GRAVES CHRISTOPHER W | Chief Investment Officer | Stock Award | 979 | - |
| 2026-02-20 | STALICK THEODORE R | Chief Financial Officer | Stock Award | 1,426 | - |
| 2026-02-20 | PETRO RANDALL R | Officer | Stock Award | 689 | - |
| 2026-02-20 | JOSEPH VICTOR GEORGE | President | Stock Award | 1,318 | - |
| 2026-02-20 | THOMPSON ERIK DAHL | Officer | Stock Award | 535 | - |
| 2026-02-20 | SCHROEDER JEFFREY MICHAEL | Officer | Stock Award | 811 | - |
| 2026-02-20 | BUTLER KELLY LYNN | Officer | Stock Award | 649 | - |
| 2026-02-20 | GIBBS KATELYN MARIE | Officer | Stock Award | 649 | - |
| 2026-02-20 | RIBISI MARK ALLAN | Officer | Stock Award | 811 | - |
| 2026-02-20 | PANG WEI | Chief Technology Officer | Stock Award | 1,136 | - |
| 2026-02-20 | ZHANG XIMENG SIMON | Officer | Stock Award | 811 | - |
| 2026-02-20 | COLBY NICHOLAS VINCENT | Officer | Stock Award | 689 | - |
| 2025-12-10 | BRAUNEGG GEORGE GWYER | Director | Purchase | 552 | $49,912 |
SEC Filings
Recent regulatory filings from the SEC EDGAR database
MCY filed its 10-K on February 17, 2026, which includes comprehensive disclosures regarding its business operations, financial condition, and market risks. The filing provides detailed analysis within the Management’s Discussion and Analysis and Financial Statements sections, while specifically addressing risk factors and cybersecurity threats.
MCY's 10-Q filing dated November 4, 2025, indicates significant financial distress, specifically noting defaults upon senior securities and the use of unregistered equity sales. These factors suggest critical liquidity risks and potential solvency issues that investors should closely monitor.
MCY's 10-Q filing dated July 29, 2025, highlights critical risk areas, specifically noting defaults upon senior securities and unregistered sales of equity securities. These disclosures indicate significant credit and liquidity risks that may impact the company's financial stability.
MCY's 10-Q filing dated May 6, 2025, indicates significant financial distress, specifically noting defaults upon senior securities and the occurrence of unregistered sales of equity securities. These factors, alongside the detailed risk disclosures in Item 1A, suggest substantial liquidity and solvency risks for investors.
Past News Coverage
Recent headlines mentioning MCY from our newsroom.