Mercury General Corporation
Description
Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. The company also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance products. Its automobile insurance products include collision, property damage, bodily injury, comprehensive, personal injury protection, underinsured and uninsured motorist, and other hazards; and homeowners insurance products comprise dwelling, liability, personal property, and other coverages. The company sells its policies through a network of independent agents, insurance agencies, as well as directly through internet sales portals in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. Mercury General Corporation was founded in 1961 and is headquartered in Los Angeles, California.
About
CEO
Mr. Gabriel Tirador
Employees
4,100
Instrument type
Common Stock
Sector
Financial Services
Industry
Insurance - Property & Casualty
MIC code
XNYS
Address
4484 Wilshire Boulevard, Los Angeles, CA 90010, United States
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![Enlarged Chart]()
Oscillators
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Summary
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Moving Averages
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Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Oct 28, 2025 | — | — | — | — |
| Jul 28, 2025 | — | — | — | — |
| Apr 28, 2025 | — | — | — | — |
| Feb 11, 2025 | 1.94 | — | — | — |
Earnings estimate
|
Next Quarter
(Mar 2025)
|
Next Year
(Dec 2025)
|
|||
|---|---|---|---|---|
| Number of analysts | — | 1 | — | 1 |
| Average estimate | — | -0.75 | — | 3.45 |
| Low estimate | — | -0.75 | — | 3.45 |
| High estimate | — | -0.75 | — | 3.45 |
| Last year EPS | — | 0.78 | — | 5.05 |
[stock_revenue_estimate]
Growth estimates
Current qtr
-44.350%
Next qtr. (Mar 2025)
-196.150%
Current year
1,583.330%
Next year (Dec 2025)
-31.680%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 4.63B | 3.64B | 3.99B | 3.78B | 3.97B |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | — | — | — | — | — |
| Other operating expenses | 279.66M | 279.72M | 283.40M | 285.83M | 269.31M |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | 24.17M | 17.23M | 17.11M | 17.05M | 17.04M |
| Other income expense | 19.61M | 10.31M | 10.02M | 8.29M | 9.04M |
| Pretax income | 99.43M | -670.72M | 299.31M | 458.50M | 378.07M |
| Tax provision | 3.09M | -158.04M | 51.37M | 83.89M | 57.98M |
| Net income | 96.34M | -512.67M | 247.94M | 374.61M | 320.09M |
| Basic EPS | 1.74 | -9.26 | 4.48 | 6.77 | 5.78 |
| Diluted EPS | 1.74 | -9.26 | 4.48 | 6.77 | 5.78 |
| Basic average shares | 55.37M | 55.37M | 55.37M | 55.36M | 55.35M |
| Diluted average shares | 55.37M | 55.37M | 55.37M | 55.36M | 55.35M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 96.34M | -512.67M | 247.94M | 374.61M | 320.09M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | — | — | — | — | — |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 550.90M | 289.78M | 335.56M | 348.48M | 294.40M |
| Other short term investments | 178.49M | 122.94M | 140.13M | 375.61M | 494.14M |
| Accounts receivable | 633.67M | 592.01M | 660.74M | 637.56M | 683.65M |
| Other receivables | 25.60M | 11.36M | 7.60M | 10.73M | 6.46M |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | — | — | — | — | — |
| Land and improvements | — | — | — | — | — |
| Machinery furniture equipment | — | — | — | — | — |
| Construction in progress | — | — | — | — | — |
| Leases | — | — | — | — | — |
| Accumulated depreciation | — | — | — | — | — |
| Goodwill | 93.93M | 94.80M | 95.85M | 96.91M | 96.23M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 8.33M | 9.21M | 10.26M | 11.32M | 10.64M |
| Investments and advances | 5.23B | 4.91B | 5.14B | 4.73B | 4.31B |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | 175.22M | 151.69M | 169.13M | 194.42M | 143.32M |
| Accrued expenses | — | — | — | — | — |
| Short term debt | — | — | — | — | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | 10.43M | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 587.96M | 420.25M | 407.51M | 416.36M | 420.13M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | 53.57M | 41.13M | 27.96M |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 98.95M | 98.95M | 98.94M | 98.97M | 98.83M |
| Retained earnings | 1.45B | 1.42B | 2.04B | 1.93B | 1.70B |
| Other shareholders equity | — | — | — | — | — |
| Total shareholders equity | 1.55B | 1.52B | 2.14B | 2.03B | 1.80B |
| Additional paid in capital | — | — | — | — | — |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||||
| Net Income | 96.34M | -512.67M | 247.94M | 374.61M | 320.09M | -5.73M | 144.88M | 73.04M | 74.48M | 177.95M | 112.14M | 116.91M | 191.16M | 152.20M | 403.07M | -242.12M | 237.83M | 214.82M | 253.26M | 286.21M | 184.32M | 66.11M | 105.34M | 109.37M | 133.71M | 177.53M | 156.31M | 105.76M | 90.30M | 66.30M | 96.20M | 83.30M | 65.50M | 51.60M | 33.90M |
| Depreciation | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Deferred Taxes | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -6.44M | — | — | -27.00M | -1.21M | — | — | -9.00M | 500,000 | 1.00M | 5.00M | -3.30M | — | — | — | — | — |
| Stock-Based Compensation | — | — | 141,000 | 142,000 | 123,000 | 145,000 | 60,000 | 142,000 | 142,000 | 4.11M | 974,000 | -370,000 | 899,000 | 812,000 | 763,000 | 652,000 | 487,000 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | -14.58M | -3.63M | 16.48M | 14.43M | -27.16M | 13.66M | 42.46M | -4.39M | 21.77M | -1.95M | -10.32M | -6.18M | -4.11M | 4.23M | -3.77M | -5.49M | 1.12M | 34.33M | 62.61M | -16.62M | -235.40M | -186.97M | 7.25M | 15.81M | 8.27M | -23.77M | -103.53M | -51.29M | 252,000 | -4.20M | 16.00M | -43.50M | -28.00M | -18.60M | 12.80M |
| Accounts Receivable | -41.67M | 68.74M | -23.18M | 44.07M | 92.48M | -245.72M | -57.95M | -21.53M | -41.60M | -23.93M | -20.69M | -56.59M | -7.82M | -4.19M | 17.14M | 28.31M | 6.15M | -16.60M | -18.04M | -63.27M | -45.69M | -48.29M | -4.26M | -8.25M | -7.34M | -3.91M | 5.17M | 9.97M | -10.33M | 7.70M | 7.80M | -400,000 | 2.80M | 13.20M | 18.30M |
| Accounts Payable | — | — | — | 51.99M | 26.49M | 6.59M | -4.18M | -10.59M | -35.09M | 31.02M | 30.37M | 1.20M | -9.99M | -9.05M | — | — | -45.23M | 113.53M | 262.75M | 41.73M | 299.95M | 300.44M | 126.10M | 53.59M | 1.63M | 6.38M | 89.70M | 49.50M | 31.80M | 12.50M | -23.50M | -4.70M | 1.30M | 10.70M | 17.20M |
| Other Assets & Liabilities | 60.95M | -131.50M | -18.10M | 31.24M | 72.55M | -13.90M | -3.01M | -2.13M | -35.29M | 8.34M | 3.45M | -83,000 | 45.43M | 22.80M | 154.06M | 3.46M | -55.33M | 110.92M | 259.45M | 41.73M | 299.95M | 300.44M | 126.10M | 53.59M | 43.00M | 23.80M | 89.70M | 49.50M | 31.80M | 12.50M | -23.50M | -4.70M | 1.00M | 13.40M | 15.20M |
| Operating Cash Flow | 101.04M | -579.07M | 223.28M | 516.48M | 484.57M | -244.95M | 122.26M | 34.55M | -15.58M | 195.54M | 115.93M | 54.89M | 215.58M | 166.79M | 571.26M | -215.18M | 145.02M | 456.99M | 813.60M | 289.78M | 503.13M | 404.72M | 359.32M | 224.12M | 179.27M | 171.02M | 237.85M | 164.45M | 148.83M | 91.50M | 73.00M | 30.00M | 42.60M | 70.30M | 97.40M |
| Investing Activities | |||||||||||||||||||||||||||||||||||
| Capital Expenditures | -6.93M | -35.51M | -41.42M | -39.95M | -40.09M | -27.96M | -13.20M | -16.97M | -19.97M | -25.81M | -17.85M | -13.13M | -15.09M | -27.55M | -35.97M | -47.00M | -40.10M | -40.12M | -41.00M | -25.39M | -33.60M | -27.15M | -17.53M | -7.31M | -8.35M | -6.72M | -5.69M | -5.80M | -3.62M | -3.70M | -7.10M | -7.20M | -1.10M | -2.10M | -2.00M |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | — | — | — | — | — | — | 7.77M | — | — | — | — | — | -115.49M | — | — | — | — | — | — | — | — | -5.14M | — | 11.02M | — | -33.63M | — | — | — | — | — | — | — |
| Purchase of Investments | -2.19B | -2.84B | -2.42B | -2.11B | -1.91B | -1.73B | -1.61B | -1.98B | -1.72B | -1.47B | -1.45B | -1.01B | -834.04M | -705.39M | -677.49M | -1.06B | -2.36B | -3.13B | -2.19B | -1.42B | -1.12B | -902.73M | -470.51M | -378.20M | -691.49M | -1.10B | -971.19M | -712.98M | -596.50M | -359.70M | -770.60M | -421.60M | -187.70M | -176.70M | -284.20M |
| Sale of Investments | 1.93B | 2.53B | 2.07B | 1.72B | 1.54B | 1.52B | 1.44B | 1.77B | 1.64B | 1.30B | 1.45B | 948.86M | 961.71M | 759.17M | 793.36M | 1.14B | 2.31B | 2.88B | 1.85B | 1.04B | 793.27M | 663.49M | 323.16M | 388.59M | 560.70M | 953.56M | 740.31M | 531.49M | 484.47M | 281.40M | 714.10M | 407.80M | 156.30M | 109.20M | 186.00M |
| Investing Cash Flow | -295.44M | -316.38M | -373.67M | -411.29M | -401.20M | -222.44M | -185.60M | -226.72M | -81.68M | -194.04M | -18.35M | -69.75M | 124.62M | 33.10M | -31.70M | 34.65M | -92.05M | -282.86M | -383.82M | -403.47M | -349.19M | -267.63M | -164.72M | -106.60M | -142.19M | -138.83M | -236.57M | -220.92M | -115.65M | -82.10M | -63.70M | -20.90M | -32.50M | -69.60M | -100.10M |
| Financing Activities | |||||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 175.00M | 25.00M | — | — | — | — | 371.01M | 30.00M | — | 100.00M | 50.00M | — | 20.00M | — | 120.00M | 18.00M | — | — | — | — | 1.00M | 1.00M | 123.31M | 37.00M | 17.00M | 3.00M | — | 75.00M | — | 25.00M | — | — | — | — | — |
| Long-Term Debt Payments | -1.10M | -1.50M | -825,000 | -609,000 | — | — | -320.00M | — | — | — | — | — | -143.00M | — | — | -4.50M | -11.25M | — | — | — | -1.00M | -1.00M | -103.04M | -27.00M | -3.00M | — | — | -25.00M | — | -15.00M | — | -1.50M | -3.00M | -3.00M | -2.30M |
| Other Financing Charges | — | — | — | — | — | — | — | -3.29M | 27,000 | 148,000 | 202,000 | 86,000 | 56,000 | 132,000 | 5,000 | 121,000 | 273,000 | 505,000 | — | — | -1.00M | -2.00M | -104.04M | -34.98M | -1.00M | 3.00M | 50,000 | — | — | — | — | -100,000 | — | — | — |
| Financing Cash Flow | 103.58M | -81.99M | -141.05M | -140.25M | -139.07M | -138.48M | -86.88M | -110.49M | -136.36M | -35.35M | -84.57M | -134.02M | -255.09M | -129.73M | -7.61M | -113.39M | -122.61M | -102.51M | -91.47M | -78.44M | -71.49M | -65.59M | -139.86M | -82.57M | -41.73M | -54.78M | -32.23M | 25.03M | -21.38M | -8.80M | -15.80M | -14.30M | -12.80M | -11.00M | -8.00M |
| Other Cash Details | |||||||||||||||||||||||||||||||||||
| End Cash Position | 550.90M | 289.78M | 335.56M | 348.48M | 294.40M | 314.29M | 291.41M | 220.32M | 264.22M | 289.91M | 266.51M | 158.18M | 211.39M | 181.39M | 185.51M | 35.40M | 48.25M | 47.61M | 69.78M | 23.71M | 36.96M | 13.19M | 3.85M | 5.94M | 8.05M | 1.89M | 3.01M | 3.61M | 2.87M | — | — | — | — | — | — |
| Income Tax Paid | — | 26.54M | 69.47M | 52.66M | — | — | 25.22M | — | 31.39M | 61.14M | 16.50M | 18.48M | 8.50M | 18.79M | 17.62M | 39.09M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 23.00M | 16.67M | 16.62M | 16.60M | 16.59M | 16.59M | 9.86M | 3.53M | 2.99M | 2.54M | 998,000 | 1.69M | 6.19M | 6.61M | 7.24M | 5.79M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 416.18M | 317.08M | 460.14M | 565.66M | 479.59M | 355.48M | 321.96M | 274.70M | 170.16M | 220.50M | 191.13M | 132.89M | 140.45M | 62.90M | 152.69M | 16.09M | 174.09M | 322.55M | 463.58M | 442.48M | 409.44M | 313.17M | 181.36M | 144.73M | 179.81M | 185.32M | 261.35M | 190.65M | 132.44M | 88.50M | 68.80M | 25.90M | 45.10M | 71.60M | 103.40M |
Top Institutional Holders
| Holder | Date Reported | Shares | Value | % Held |
|---|---|---|---|---|
| iShares Core S&P Smallcap ETF | Nov 30, 2024 | 1,742,593 | 86.00M | 3.15% |
| Vanguard Total Stock Market Index Fund | Sep 30, 2024 | 869,525 | 42.91M | 1.57% |
| iShares Russell 2000 ETF | Nov 30, 2024 | 794,833 | 39.23M | 1.44% |
| Vanguard Small-Cap Index Fund | Sep 30, 2024 | 694,051 | 34.25M | 1.25% |
| Vanguard Small Cap Value Index Fund | Sep 30, 2024 | 469,136 | 23.15M | 0.85% |
| Vanguard Extended Market Index Fund | Sep 30, 2024 | 395,092 | 19.50M | 0.71% |
| DFA U.S. Targeted Value Portfolio | Oct 31, 2024 | 395,152 | 19.50M | 0.71% |
| Dimensional ETF Tr-Dimensional U.S. Targeted Value ETF | Oct 31, 2024 | 307,733 | 15.19M | 0.56% |
| iShares S&P Smallcap 600 Value ETF | Nov 30, 2024 | 272,416 | 13.44M | 0.49% |
| Fidelity Small Cap Index Fund | Oct 31, 2024 | 273,687 | 13.51M | 0.49% |
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