Mercury General · Financials
MCY
$106.25
Mercury General Corporation is a multiple-line insurance organization that offers personal automobiles, homeowners, renters, and business insurance. Mercury's primary focus is automobiles and homeowners' insurance.MercuryGeneralCorporation是一家多险种保险组织，提供个人汽车、房主、租户和商业保险，主要专注于汽车和房主保险。
Financial金融股
Mid cap中盘
$6B
Engine stance引擎立场2026-07-20
High-confluence leader (context)高共振 领先（参考）
The bottoming setup is not yet confirmed (price still below the 10-day average) and the 3-day/weekly momentum is rolling筑底形态尚未确认（价格仍位于 10 日均线下方），且3 日/周线动量已开始掉头向下——动量在形态完成前已开始衰竭。等待价格收复 10 日均线且动量趋于稳定后再考虑建仓。
Key Statistics关键统计
Price价格
$106.25
4.4% below 52-week high低于52周高点 4.4%
Market Cap市值
$6B
Normal volume正常成交量
P/E Ratio市盈率
10.9x
15.0x sector median
Beta贝塔
0.19
Moves about 0.2x the market波动幅度约为市场的 0.2 倍
RSI (14)RSI（14）
51
Neutral zone中性区域
Next Earnings下次财报
2026-08-04 (16d)
Volatility Rank波动率分位
69th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
2.5% of float
Performance价格表现
| Period周期 | MCY | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | -2.8% | -1.5% | Lagged the index by 1.3 points落后指数 1.3 个百分点 |
| 1 Month近1月 | +4.8% | +0.6% | Beat the index by 4.2 points跑赢指数 4.2 个百分点 |
| 3 Months近3月 | +10.7% | +4.7% | Beat the index by 6.0 points跑赢指数 6.0 个百分点 |
| 6 Months近6月 | +17.4% | +7.8% | Beat the index by 9.6 points跑赢指数 9.6 个百分点 |
| Year to date年初至今 | +16.6% | +9.1% | Beat the index by 7.5 points跑赢指数 7.5 个百分点 |
| 1 Year近1年 | +58.7% | +19.4% | Beat the index by 39.3 points跑赢指数 39.3 个百分点 |
| 3 Years近3年 | +284.4% | +69.4% | Beat the index by 215.0 points跑赢指数 215.0 个百分点 |
Technicals技术面
RSI (14)RSI（14）
51
Neutral zone中性区域
vs 50-day相对50日均线
+3.4% vs 50-day avg
vs 200-day相对200日均线
+15.5% vs 200-day avg
Volatility rank波动率分位
69th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$104.50
Don't chase above不追高于
$106.20
Stop止损
$99.14
Extended — wait for a pullback过度拉伸 — 等待回撤
Earnings财务业绩
16
days until next report天后公布财报
2026-08-04
Estimates being raised — 1 analysts预期上调 — 1 位分析师
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | MCY | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 10.88x | 14.99 | 85% |
| P/S市销率 | 0.98x | 2.87 | 86% |
| Earnings yield盈利收益率 | 9.19% | 6.58 | 86% |
| Shareholder yield股东收益率 | 1.20% | 3.91 | 15% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
5yr CAGR5年复合增速: 9.6%
Earnings Per Share每股收益
5yr CAGR5年复合增速: 7.6%
Free Cash Flow自由现金流
Margins利润率
5.7%Return on Assets资产回报率
Capital Allocation资本配置
| Stock-based comp股权薪酬 | $14.6M |
| Share count change (1y)股数变化（1年） | +0.0% |
Piotroski皮奥特罗斯基 5/8
Clean稳健
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 86% of its sector on blended multiples综合估值倍数低于行业内 86% 的公司
Beta市场敏感度
0.19×
0.21×3×
Moves about 0.2× the market波动幅度约为市场的 0.2 倍
Financial Health财务健康
5/8
Adequate financial health财务健康状况一般
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
MCY daily MACD crossed downMCY 日线MACD下穿
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: +$0.1M net (1 buyers, 0 sellers)+$0.1M 净值（1 买家，0 卖家）
Signal History信号历史
TURN SIGNALED
BOTTOMING
Jul 14, 2026
MCY daily MACD crossed downMCY 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $107.78.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$107.78。
Jul 1, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 1, 2026
MCY made a new 52-week highMCY 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $108.54.价格创出52周新高 — 全市场关注的动量/趋势极值。$108.54。
Jun 26, 2026
MCY made a new 52-week highMCY 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $107.47.价格创出52周新高 — 全市场关注的动量/趋势极值。$107.47。
Jun 22, 2026
MCY took relative-strength leadershipMCY 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $103.15.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$103.15。
Jun 18, 2026
MCY made a new 52-week highMCY 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $102.67.价格创出52周新高 — 全市场关注的动量/趋势极值。$102.67。
Jun 16, 2026
BUY ZONE → UPTREND买入区 → 上涨趋势
HOLD持有
Jun 16, 2026
MCY made a new 52-week highMCY 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $102.61.价格创出52周新高 — 全市场关注的动量/趋势极值。$102.61。
Jun 15, 2026
UPTREND → BUY ZONE上涨趋势 → 买入区
BUY买入
Jun 15, 2026
MCY daily MACD crossed upMCY 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $101.03.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$101.03。
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Factor Profile因子特征
Composite factor score综合因子得分: 0.18
Value价值
+0.8
Quality质量
+0.4
Investment资本投入
-0.4
Shareholder payout股东回报
-0.7
Low volatility低波动
+0.8
Low market beta低市场敏感度
+0.9
Earnings quality盈利质量
+0.2
Short interest空头兴趣
+0.4
Company Profile公司档案
Mercury General Corporation is a multiple-line insurance organization that offers personal automobiles, homeowners, renters, and business insurance. Mercury's primary focus is automobiles and homeowners' insurance.MercuryGeneralCorporation是一家多险种保险组织，提供个人汽车、房主、租户和商业保险，主要专注于汽车和房主保险。
Watch items — what could change the thesis关注项 — 可能改变论点的因素
- Margin compression despite revenue growth
- Capital intensity rising
Get the full picture获取完整视图
Nightly signals, options flow, and factor analysis across all S&P 500 names.每日更新的信号、期权资金流向和因子分析，覆盖所有标普500成分股。