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MCY

Mercury GeneralB
NYSE / Insurance
Last Price
At close
2026-07-20
View Chart
Current thesis
The strongest post-print argument is that Q1 showed real underwriting recovery rather than only an easy compare: combined ratio fell below 90%, catastrophe losses were far lower year over year, premium growth stayed double digit, and the July 2026 homeowners rate increase offers a visible follow-on tailwind [#8-K-2026-05-05] [#10-K-2026-02-17].
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.4.
What can break
Auto loss severity and frequency remain a pressure point even as the ex-cat core loss ratio improved [#10-Q-2026-05-05].
Momentum
55
Value
59
Sentiment
49
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $104.00 · Bull $112.00 · Bear $88.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $120.00
Why
Momentum55 · Δ7d -2.6
Value59 · Δ7d +0.4
Sentiment49 · Δ7d +0.2
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
55
26% active weight
Current posture
7d trendImproving
Δ7d
-2.6
Δ21d
-12.5
Value
59
39% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
+0.7
Sentiment
49
34% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
-0.2
Why this grade

Composite grade B. Momentum 55.3 / Value 59.3 / Sentiment 48.9

Fundamentals (TTM)
As of 2026-07-20
Market Cap
$5.89B
Beta
0.96
Shares Out
55.39M
P/E (TTM)
11.4
P/S (TTM)
0.86
P/FCF (TTM)
5.45
Rev YoY
+10.5%
EPS YoY
-275.8%
Gross Margin
-
Op Margin
+9.7%
Net Debt
-$727.57M
Current Ratio
0.75
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology