MCY

Mercury GeneralB

NYSE / Insurance

At close

2026-06-03

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

Momentum

What changed

Momentum remains the lead driver in the composite, 7D delta -8.9.

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

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $104.00 · Bull $112.00 · Bear $88.00

Data freshness

Prices

As of 2026-06-03

Fundamentals

As of 2026-06-02 • Vendor: Data Vendor v1

Scores

As of 2026-06-03 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-08 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-06-03

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $110.00

Why

Momentum71 · Δ7d -8.9

Value58 · Δ7d -10.1

Sentiment55 · Δ7d +3.9

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Momentum · See technicals

Momentum

34% active weight

Current posture

7d trendSoftening

Δ7d

-8.9

Δ21d

-8.5

Value

32% active weight

Current posture

7d trendSoftening

Δ7d

-10.1

Δ21d

Sentiment

33% active weight

Current posture

7d trendImproving

Δ7d

+3.9

Δ21d

+10.2

Why this grade

Composite grade B. Momentum 71.2 / Value 57.5 / Sentiment 55.1

Fundamentals (TTM)

As of 2026-06-02

Market Cap

$5.45B

Beta

0.96

Shares Out

55.39M

P/E (TTM)

11.4

P/S (TTM)

0.86

P/FCF (TTM)

5.45

Rev YoY

+3.6%

EPS YoY

+21.4%

Gross Margin

Op Margin

+9.7%

Net Debt

-$143.61M

Current Ratio

As of 2026-06-03 • Updated nightlySource: Internal modelMethodology