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Upturn AI SWOT - About
MCY 
Mercury General Corporation (MCY)
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Upturn Advisory Summary
04/01/2025: MCY (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 46.07% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.11B USD | Price to earnings Ratio 6.64 | 1Y Target Price 80 |
Price to earnings Ratio 6.64 | 1Y Target Price 80 | ||
Volume (30-day avg) 524403 | Beta 0.83 | 52 Weeks Range 43.93 - 79.90 | Updated Date 04/1/2025 |
52 Weeks Range 43.93 - 79.90 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.27% | Basic EPS (TTM) 8.45 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.55% | Operating Margin (TTM) 10.49% |
Management Effectiveness
Return on Assets (TTM) 4.91% | Return on Equity (TTM) 26.78% |
Valuation
Trailing PE 6.64 | Forward PE - | Enterprise Value 2963675249 | Price to Sales(TTM) 0.57 |
Enterprise Value 2963675249 | Price to Sales(TTM) 0.57 | ||
Enterprise Value to Revenue 0.54 | Enterprise Value to EBITDA - | Shares Outstanding 55388600 | Shares Floating 26566047 |
Shares Outstanding 55388600 | Shares Floating 26566047 | ||
Percent Insiders 52.02 | Percent Institutions 44.63 |
Analyst Ratings
Rating 4 | Target Price 80 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Mercury General Corporation
Company Overview
History and Background
Mercury General Corporation was founded in 1961 by George Joseph. It primarily focuses on providing personal automobile insurance and has expanded over the years to offer other insurance products.
Core Business Areas
- Personal Automobile Insurance: Mercury's core business segment, providing coverage for private passenger vehicles.
- Homeowners Insurance: Offers coverage for residential properties, including houses and condominiums.
- Commercial Auto Insurance: Provides insurance solutions for businesses operating vehicles.
- Other Insurance: Includes mechanical breakdown protection and other niche insurance products.
Leadership and Structure
The leadership team includes the CEO and other key executives. The organizational structure is hierarchical, with various departments managing different aspects of the business.
Top Products and Market Share
Key Offerings
- Personal Auto Insurance: Mercury's primary product, offering coverage for vehicle-related damages and liabilities. While exact market share fluctuates regionally, Mercury is a significant player in California, Texas, and other western states. Competitors include State Farm, GEICO, Progressive, and Allstate. Precise, overall market share data is not readily available, requiring specific geographic data.
- Homeowners Insurance: Protects homeowners against property damage and liability claims. Market share is smaller than auto insurance, and competes with State Farm, Allstate, Liberty Mutual, and Travelers. Precise market share varies regionally.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and regulated, influenced by factors like economic conditions, interest rates, and regulatory changes.
Positioning
Mercury General Corporation positions itself as a provider of affordable insurance, often targeting price-sensitive customers. Its competitive advantage includes a strong agency network and brand recognition in key markets.
Total Addressable Market (TAM)
The TAM for the US property and casualty insurance market is estimated to be in the hundreds of billions of dollars annually. Mercury captures a portion of this market, particularly in specific states. The company's positioning focuses on cost-conscious consumers, potentially limiting its reach within the broader TAM.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in key markets
- Extensive agency network
- Focus on affordable insurance
- Established presence in California
Weaknesses
- Geographic concentration (primarily West Coast)
- Limited product diversification compared to larger competitors
- Vulnerability to California's regulatory environment
- Potential impact of inflation on claims costs
Opportunities
- Expansion into new geographic markets
- Product diversification into other insurance lines
- Leveraging technology to improve efficiency
- Capitalizing on demographic trends and urbanization
Threats
- Intense competition from larger national insurers
- Regulatory changes and compliance costs
- Economic downturns affecting insurance demand
- Increasing frequency and severity of natural disasters
Competitors and Market Share
Key Competitors
- State Farm (private)
- GEICO (BRK.A)
- Progressive (PGR)
- Allstate (ALL)
Competitive Landscape
Mercury General Corporation faces intense competition from larger, nationally recognized insurers. Its strengths lie in its regional presence and focus on price-sensitive customers. However, its smaller size and geographic concentration pose challenges compared to its larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be assessed using past financial statements and market data.
Future Projections: Future growth projections can be acquired through analyst reports and industry forecasts.
Recent Initiatives: Recent strategic initiatives can be found in press releases and company reports.
Summary
Mercury General is a regional insurance company focused on affordable auto and homeowners insurance, mainly in the West Coast. Their strengths lie in a brand recognition and agency network. However, their limited geographic reach and competition pose risks. Expanding into new markets and diversifying products could improve growth potential.
Similar Companies
- PGR
- ALL
- ROOT
- GOOG
- BRK.A
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Market Analysis
- Company Press Releases
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary. Future performance is not guaranteed.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Mercury General Corporation
Exchange NYSE | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 1990-03-26 | CEO & Director Mr. Gabriel Tirador | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 4200 | Website https://www.mercuryinsurance.com |
Full time employees 4200 | Website https://www.mercuryinsurance.com | ||
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 and 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 incorporated in 1961 and is headquartered in Los Angeles, California.
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