MCY
Mercury General Corporation
NYSEUSDEQUITY
Financial Services
DELAYED
Buy
+37/100
Last price
102.92
▼ 0.06 (0.06%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
102.00
Prev close
102.98
Day high
103.12
Day low
102.13
Volume
12.27K
Market cap
—
P/E (TTM)
6.08
52W range
74.29 – 113.06
Day trading desk
Gap from prior close
-0.97%
Prior close 103.00
VWAP
103.00
-0.08% from price
Relative volume
0.02×
Quiet session
Session range
1.10%
102.00 – 103.12
Position in range
82%
Near session high
ATR (14D)
1.90
1.85% of price
Prior day high
103.81
PDH
Prior day low
102.01
PDL
Bid / ask spread
—
Quote not published
Session volume
6.90K
Avg 293.55K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+4.12%
+2.4%
1M
+0.27%
-1.0%
3M
-6.26%
-9.5%
6M
+10.69%
-4.1%
YTD
+9.42%
-4.4%
1Y
+19.36%
+3.8%
3Y
+270.22%
+188.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on MCY open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
28.82M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Feb 20, 26 | TIRADOR GABRIEL Chief Executive Officer |
— | 4.35K | — | Direct |
| Feb 20, 26 | GRAVES CHRISTOPHER W Chief Investment Officer |
— | 979 | — | Direct |
| Feb 20, 26 | STALICK THEODORE R Chief Financial Officer |
— | 1.43K | — | Direct |
| Feb 20, 26 | PETRO RANDALL R Officer |
— | 689 | — | Direct |
| Feb 20, 26 | JOSEPH VICTOR GEORGE President |
— | 1.32K | — | Direct |
| Feb 20, 26 | THOMPSON ERIK DAHL Officer |
— | 535 | — | Direct |
| Feb 20, 26 | SCHROEDER JEFFREY MICHAEL Officer |
— | 811 | — | Direct |
| Feb 20, 26 | BUTLER KELLY LYNN Officer |
— | 649 | — | Direct |
| Feb 20, 26 | GIBBS KATELYN MARIE Officer |
— | 649 | — | Direct |
| Feb 20, 26 | RIBISI MARK ALLAN Officer |
— | 811 | — | Direct |
| Feb 20, 26 | PANG WEI Chief Technology Officer |
— | 1.14K | — | Direct |
| Feb 20, 26 | ZHANG XIMENG SIMON Officer |
— | 811 | — | Direct |
| Feb 20, 26 | COLBY NICHOLAS VINCENT Officer |
— | 689 | — | Direct |
| Dec 10, 25 | BRAUNEGG GEORGE GWYER Director |
BUY | 552 | $49.91K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Fundamentals
Market cap—
Enterprise value$4.60B
Revenue (TTM)$6.34B
Gross profit$1.70B
EBITDA$1.27B
Net income$936.87M
EPS (TTM)$16.92
Free cash flow$1.14B
Total cash$2.07B
Total debt$962.13M
Book value / share$51.20
Shares outstanding—
Float26.55M
Short % of float3.52%
Dividend yield1.23%
Beta (5Y)0.91
Valuation & profitability ratios
Trailing P/E6.08
Forward P/E8.40
PEG ratio1.11
Price / sales—
Price / book2.01
EV / revenue0.73
EV / EBITDA3.62
Gross margin26.81%
Operating margin19.93%
Profit margin14.78%
Return on equity38.99%
Return on assets7.57%
Debt / equity33.93
Current ratio0.95
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $5.99B | $5.48B | $4.63B | $3.64B | +9.4% |
| Operating revenue | $5.99B | $5.48B | $4.63B | $3.64B | +9.4% |
| Net interest income | -$28.62M | -$30.82M | -$24.17M | -$17.23M | +7.1% |
| Pre-tax income | $663.65M | $574.88M | $99.43M | -$670.72M | +15.4% |
| Tax provision | $122.56M | $106.93M | $3.09M | -$158.04M | +14.6% |
| Net income | $541.09M | $467.95M | $96.34M | -$512.67M | +15.6% |
| Net income to common | $541.09M | $467.95M | $96.34M | -$512.67M | +15.6% |
| Basic EPS | 9.77 | 8.45 | 1.74 | -9.26 | +15.6% |
| Diluted EPS | 9.77 | 8.45 | 1.74 | -9.26 | +15.6% |
| EBIT | $692.27M | $605.70M | $123.60M | -$653.48M | +14.3% |
| Basic shares | 55.39M | 55.37M | 55.37M | 55.37M | +0.0% |
| Diluted shares | 55.39M | 55.38M | 55.37M | 55.37M | +0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $1.32B | $720.26M | $550.90M | $289.78M | +82.7% |
| Cash & short-term investments | $1.65B | $1.00B | $729.39M | $412.71M | +64.6% |
| Accounts receivable | $855.23M | $719.39M | $633.67M | $592.00M | +18.9% |
| Property, plant & equipment | $159.00M | $151.58M | $165.59M | $191.63M | +4.9% |
| Goodwill & intangibles | $49.62M | $50.48M | $51.13M | $52.01M | -1.7% |
| Total assets | $9.56B | $8.31B | $7.10B | $6.51B | +15.0% |
| Long-term debt | $574.53M | $574.13M | $573.73M | $398.33M | +0.1% |
| Total debt | $586.86M | $587.71M | $587.96M | $420.25M | -0.1% |
| Total liabilities | $7.14B | $6.36B | $5.56B | $4.99B | +12.2% |
| Retained earnings | $2.32B | $1.85B | $1.45B | $1.42B | +25.5% |
| Shareholder equity | $2.42B | $1.95B | $1.55B | $1.52B | +24.2% |
| Net tangible assets | $2.37B | $1.90B | $1.50B | $1.47B | +24.9% |
| Shares issued | 55.39M | 55.39M | 55.37M | 55.37M | -0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $541.09M | $467.95M | $96.34M | -$512.67M | — | +15.6% |
| Depreciation & amortisation | $74.99M | $73.43M | $72.24M | $82.39M | — | +2.1% |
| Stock-based compensation | — | — | — | — | $141.00K | — |
| Change in working capital | $595.17M | $624.90M | $412.63M | $297.50M | — | -4.8% |
| Operating cash flow | $1.09B | $1.04B | $453.00M | $352.59M | — | +4.8% |
| Capital expenditure | -$58.43M | -$46.14M | -$36.81M | -$35.51M | — | -26.6% |
| Investing cash flow | -$420.16M | -$796.66M | -$295.45M | -$316.38M | — | +47.3% |
| Dividends paid | -$70.34M | -$70.33M | -$70.32M | -$105.48M | — | -0.0% |
| Financing cash flow | -$71.72M | -$71.11M | $103.58M | -$81.99M | — | -0.9% |
| Free cash flow | $1.03B | $990.98M | $416.19M | $317.08M | — | +3.8% |
| End cash position | $1.32B | $720.26M | $550.90M | $289.78M | — | +82.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $1.68B | $1.54B | $1.54B | $1.58B | $1.48B | +9.2% |
| Operating revenue | $1.68B | $1.54B | $1.54B | $1.58B | $1.48B | +9.2% |
| Net interest income | -$7.91M | -$6.82M | -$7.06M | -$7.18M | -$7.20M | -16.0% |
| Pre-tax income | $327.33M | $235.65M | $248.88M | $350.32M | $206.75M | +38.9% |
| Tax provision | $63.83M | $45.23M | $46.33M | $69.92M | $40.28M | +41.1% |
| Net income | $263.50M | $190.42M | $202.55M | $280.40M | $166.47M | +38.4% |
| Net income to common | $263.50M | $190.42M | $202.55M | $280.40M | $166.47M | +38.4% |
| Basic EPS | 4.76 | 3.44 | 3.66 | 5.06 | 3.01 | +38.4% |
| Diluted EPS | 4.76 | 3.44 | 3.66 | 5.06 | 3.01 | +38.4% |
| EBIT | $335.24M | $242.47M | $255.94M | $357.50M | $213.94M | +38.3% |
| Basic shares | 55.39M | 55.39M | 55.39M | 55.39M | 55.39M | 0.0% |
| Diluted shares | 55.39M | 55.39M | 55.39M | 55.39M | 55.39M | 0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.70B | $1.35B | $1.32B | $1.25B | $1.12B | +25.9% |
| Cash & short-term investments | $2.07B | $1.79B | $1.65B | $1.73B | $1.40B | +15.4% |
| Accounts receivable | $866.97M | $866.67M | $855.23M | $947.98M | $1.14B | +0.0% |
| Property, plant & equipment | $170.09M | $163.01M | $159.00M | $160.28M | $161.28M | +4.3% |
| Goodwill & intangibles | $49.20M | $49.41M | $49.62M | $49.84M | $50.05M | -0.4% |
| Total assets | $10.54B | $9.87B | $9.56B | $9.37B | $9.08B | +6.8% |
| Long-term debt | $943.75M | $574.63M | $574.53M | $574.43M | $574.34M | +64.2% |
| Total debt | $962.13M | $587.28M | $586.86M | $588.14M | $590.18M | +63.8% |
| Total liabilities | $7.71B | $7.28B | $7.14B | $7.14B | $7.11B | +5.8% |
| Retained earnings | $2.74B | $2.49B | $2.32B | $2.13B | $1.87B | +9.9% |
| Shareholder equity | $2.84B | $2.59B | $2.42B | $2.23B | $1.97B | +9.5% |
| Net tangible assets | $2.79B | $2.54B | $2.37B | $2.18B | $1.92B | +9.7% |
| Shares issued | 55.39M | 55.39M | 55.39M | 55.39M | 55.39M | 0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $263.50M | $190.42M | $202.55M | $280.40M | $166.47M | +38.4% |
| Depreciation & amortisation | $20.53M | $19.84M | $21.27M | $18.77M | $17.70M | +3.5% |
| Change in working capital | $39.93M | $81.52M | $88.11M | $278.37M | $72.65M | -51.0% |
| Operating cash flow | $217.70M | $325.60M | $287.87M | $496.44M | $371.61M | -33.1% |
| Capital expenditure | -$16.13M | -$16.80M | -$14.02M | -$16.90M | -$14.37M | +4.0% |
| Investing cash flow | -$219.22M | -$272.31M | -$207.23M | -$348.54M | -$515.99M | +19.5% |
| Dividends paid | -$17.59M | -$17.59M | -$17.59M | -$17.59M | -$17.59M | 0.0% |
| Financing cash flow | $351.46M | -$17.98M | -$17.64M | -$17.58M | -$18.16M | +2,054.3% |
| Free cash flow | $201.57M | $308.80M | $273.86M | $479.54M | $357.24M | -34.7% |
| End cash position | $1.70B | $1.35B | $1.32B | $1.25B | $1.12B | +25.9% |
Options analytics
Put / call volume
1.14
Put-heavy session
Put / call open interest
0.09
Positioning, not flow
Max pain
100.00
-2.8% from spot
ATM implied vol
3.1%
Nearest strike to spot
Skew (10% OTM)
+0.6%
Puts bid over calls
Call volume
28
Contracts, this expiry
Put volume
32
Contracts, this expiry
Heaviest call OI
100.00
486 contracts
Heaviest put OI
90.00
25 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.80 | 3.52 | +95.6% |
| Mar 2026 | 2.15 | 3.50 | +62.8% |
| Dec 2025 | 2.56 | 3.66 | +43.0% |
| Sep 2025 | 2.15 | 3.86 | +79.5% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 3.35 | 1 | $1.63B | +8.9% |
| Next quarter | 3.13 | 1 | $1.66B | +16.3% |
| Current year | 13.50 | 1 | $6.26B | +9.4% |
| Next year | 12.25 | 1 | $6.68B | +6.7% |
Analyst targets & ownership
Mean target$120.00
High target$120.00
Low target$120.00
Implied upside16.60%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders52.03%
Held by institutions48.14%
Institutions holding474
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
100.56
+2.34% from price
SMA 20
100.80
+2.10% from price
SMA 50
103.51
-0.57% from price
SMA 100
103.76
-0.81% from price
SMA 200
97.72
+5.32% from price
EMA 12
101.22
+1.68% from price
EMA 26
101.61
+1.29% from price
EMA 50
102.47
+0.43% from price
RSI (14)
54.7
Neutral
MACD (12,26,9)
-0.39
Hist 0.58
ATR (14)
1.90
1.85% of price
Realised vol 30D
20.9%
Annualised
Bollinger upper
104.38
20, 2σ
Bollinger lower
97.23
20, 2σ
50 / 200 cross
Golden
103.51 vs 97.72
Trend bias
Above 200
+5.32%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.05
Less volatile than market
Correlation to SPY
0.03
Largely independent
Realised vol 30D
20.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-12.9%
Peak to trough
Max drawdown 5Y
-51.3%
Peak to trough
ATR 14
1.90
1.85% of price
Beta (reported)
0.91
5Y monthly, from filing
Short interest
Shares short
1.26M
Prior 1.34M
Change vs prior
-6.5%
Shorts covering
% of float
3.52%
Normal
% of shares out
2.27%
Against total outstanding
Days to cover
4.5
Liquid
Float
26.55M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 22, 25 | Raymond James | MAINTAINED | Strong Buy | Strong Buy |
| Aug 4, 25 | Raymond James | MAINTAINED | Strong Buy | Strong Buy |
| Feb 12, 25 | Raymond James | UPGRADE | Outperform | Strong Buy |
| Jul 7, 23 | Raymond James | DOWNGRADE | Strong Buy | Outperform |
| May 8, 23 | Raymond James | MAINTAINED | — | Strong Buy |
| Nov 4, 22 | Raymond James | UPGRADE | Underperform | Strong Buy |
| Apr 3, 20 | Raymond James | DOWNGRADE | Market Perform | Underperform |
| Oct 29, 19 | Keefe, Bruyette & Woods | DOWNGRADE | Outperform | Market Perform |
| Feb 19, 16 | Raymond James | UPGRADE | Underperform | Market Perform |
| Feb 11, 15 | Keefe, Bruyette & Woods | DOWNGRADE | Market Perform | Underperform |
| Nov 4, 14 | Keefe, Bruyette & Woods | MAINTAINED | — | Market Perform |
| Nov 4, 14 | Keefe, Bruyette & Woods | MAINTAINED | — | Market Perform |
Dividends & splits
Forward rate$1.27 / yr
Forward yield1.23%
5-year avg yield2.46%
Payout ratio7.51%
Ex-dividend dateSep 10, 2026
Next pay dateSep 24, 2026
Last split2:1
Split dateOct 10, 1997
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-26
Corporate Changes & Voting Matters
8-K · 2026-08-04
Corporate Changes & Voting Matters
8-K · 2026-06-24
Corporate Changes & Voting Matters
8-K · 2026-06-12
Corporate Changes & Voting Matters
8-K · 2026-05-14
Offering Registrations
S-3ASR · 2026-05-12
Periodic Financial Reports
10-Q · 2026-05-05
Proxy Statements
DEFA14A · 2026-03-31
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.