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Mercury General (MCG) Stock Price & Analysis

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MCG Stock Chart & Stats

€74.60-€3.25(-4.17%)
At close: 5:30 PM GMT+1
€87.5€90€92.5Sep 18Oct 20
Day’s Range
EUR 74.60 - EUR 74.60
52-Week Range
EUR 70.50 - EUR 96.10
Previous Close
EUR 77.85
Volume
N/A
Average Volume (3M)
0
Market Cap
EUR 4.08B
Enterprise Value
EUR 6.06B
Total Cash (Recent Filing)
EUR 8.53B
Total Debt (Recent Filing)
EUR 586.96M
Price to Earnings (P/E)
7.1
Beta
0.34
Next Earnings
Feb 16, 2027 (Est.)
EPS Estimate
2.51
Next Dividend Ex-Date
N/A
Dividend Yield
1.42%

Bulls Say, Bears Say

Bulls Say

Profitability Recovery

Mercury has achieved a substantial profitability recovery from the 2022 loss year, with net income and margins improving through the TTM period. This stronger earnings base can support capital retention, policyholder obligations, and continued investment in underwriting capabilities over the next several quarters.

Strong Cash Generation

Operating cash flow has remained strong and closely tracked net income, indicating that reported profits are converting into financial resources rather than relying primarily on accounting gains. Reliable cash generation enhances Mercury’s ability to fund claims, support operations, and preserve flexibility across insurance cycles.

Improving Leverage

The decline in debt-to-equity, alongside steady debt and growing equity, strengthens Mercury’s balance-sheet capacity. Lower leverage can reduce financial strain and provide greater resilience when underwriting results fluctuate, while also leaving more room to meet obligations and allocate capital through changing market conditions.

Bears Say

Cooling Revenue Momentum

The recent top-line contraction indicates that Mercury’s growth has cooled after several stronger years. Although profitability remains elevated, slower revenue expansion can limit operating scale and make future earnings more dependent on maintaining pricing discipline, retention, and underwriting performance rather than expanding premium volume.

Decelerating Free Cash Flow

Free cash flow remains substantial, but its recent decline shows that incremental cash generation has weakened versus the prior period. Persistent deceleration could reduce the pace at which Mercury strengthens its balance sheet or funds shareholder returns, especially if claims costs or other underwriting demands rise.

High Returns May Be Difficult To Sustain

The unusually high TTM return on equity is a current strength but also creates a sustainability risk because insurance earnings can vary with loss cycles and pricing conditions. If those favorable conditions normalize, profitability and capital efficiency could retreat from present levels even without a major strategic change.

Mercury General News

MCG FAQ

What was Mercury General’s price range in the past 12 months?
Mercury General lowest stock price was €70.50 and its highest was €96.10 in the past 12 months.
What is Mercury General’s market cap?
Mercury General’s market cap is €4.08B.
When is Mercury General’s upcoming earnings report date?
Mercury General’s next earnings report is estimated for Feb 16, 2027 (not yet confirmed), which is in 98 days.
How were Mercury General’s earnings last quarter?
Mercury General released its earnings results on Nov 03, 2026. The company reported €3.113 earnings per share for the quarter, beating the consensus estimate of €3.055 by €0.058.
Is Mercury General overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Mercury General pay dividends?
Mercury General does not currently pay dividends.
What is Mercury General’s EPS estimate?
Mercury General’s EPS estimate is 2.51.
How many shares outstanding does Mercury General have?
Mercury General has 55,388,626 shares outstanding.
What happened to Mercury General’s price movement after its last earnings report?
Mercury General reported an EPS of €3.113 in its last earnings report, beating expectations of €3.055. Following the earnings report the stock price went down -0.984%.
Which hedge fund is a major shareholder of Mercury General?
Hedge funds hold Mercury General shares: the largest hedge-fund position in Mercury General is 1,034,769,278 shares, and hedge funds increased their holdings by 25.4K shares last quarter.
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology