MERCURY GENERAL CORP financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
MCY on NYSE
Location
Los Angeles, CA
Fiscal year end
31 December
Latest financial report
17 Feb 2026

Latest SEC snapshot (2026-02-12) highlights Return On Equity 24.8%, Return On Assets 6.1%, and Revenues YoY 9.4%.

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

77.6/100

Balanced Confidence low

Return On Equity

25%

Metric score 98.8/100

Return On Assets

6.1%

Metric score 50.7/100

Financial Health

Strengths

Return On Equity and NetIncomeLoss YoY

Watchpoints

No major risk flags from available metrics.

Key metrics snapshot

Return On Equity

25%

YoY: -7.4%

Industry median: 14% (n=59)

View history

Return On Assets

6.1%

YoY: -0.27%

Industry median: 3.3% (n=59)

View history

Revenues YoY

9.4%

YoY:

Industry median: 6.8% (n=64)

View history

NetIncomeLoss YoY

16%

YoY:

Industry median: 22% (n=58)

View history

Profitability

Metric Latest value YoY change
Return On Equity 25% -7.4%
Return On Assets 6.1% -0.27%

Growth

Metric Latest value YoY change
Revenues YoY 9.4%
NetIncomeLoss YoY 16%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 55,388,627 0%
Common Stock, Shares, Outstanding 55,389,000 0%
Common Stock, Value, Issued $99,699,000 0%
Weighted Average Number of Shares Outstanding, Basic 55,389,000 +0.03%
Weighted Average Number of Shares Outstanding, Diluted 55,389,000 +0.02%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $663,649,000 +15%
Income Tax Expense (Benefit) $122,555,000 +15%
Earnings Per Share, Basic 9.77 +16%
Earnings Per Share, Diluted 9.77 +16%
Deferred Income Tax Assets, Net $30,637,000 -33%
Property, Plant and Equipment, Net $146,880,000 +6.3%
Operating Lease, Right-of-Use Asset $12,125,000 -9.6%
Intangible Assets, Net (Excluding Goodwill) $6,827,000 -11%
Goodwill $42,796,000 0%
Assets $9,560,669,000 +15%
Liabilities $7,143,394,000 +12%
Retained Earnings (Accumulated Deficit) $2,317,576,000 +25%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $2,417,275,000 +24%
Liabilities and Equity $9,560,669,000 +15%
Common Stock, Shares Authorized 70,000,000 0%
Common Stock, Shares, Issued 55,389,000 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $1,315,574,000 +83%
Deferred Tax Assets, Gross $163,282,000 +13%
Operating Lease, Liability $12,328,000 -9.2%
Lessee, Operating Lease, Liability, to be Paid $13,638,000 -9%
Property, Plant and Equipment, Gross $492,810,000 +7.2%
Lessee, Operating Lease, Liability, to be Paid, Year Two $3,716,000 -15%
Lessee, Operating Lease, Liability, to be Paid, Year One $5,982,000 -4%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $1,310,000 -6.9%
Lessee, Operating Lease, Liability, to be Paid, Year Three $2,409,000 -3.1%
Unrecognized Tax Benefits $0
Lessee, Operating Lease, Liability, to be Paid, Year Four $1,209,000 +2.1%
Amortization of Intangible Assets $900,000 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%