MCYMERCURY GENERAL CORP
Fire, Marine & Casualty Insurance
- Revenue
- $30M
- 17% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$757M net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear201% of net incomeCash flow under 80% of net income
- Dilutive SBCFired49% of revenueOver 10% of revenue
- Payouts exceed cash flowClear6% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $20M | $18M | $21M | $25M | $30M | 17% |
| Net income | $248M | −$513M | $96M | $468M | $541M | 16% |
| Operating cash flow | $502M | $353M | $453M | $1.0B | $1.1B | 4.8% |
| Capex | $41M | $36M | $37M | $46M | $58M | 27% |
| Stock-based comp | $141K | $15K | $0 | $5M | $15M | 215% |
| Dividends | $140M | $105M | $70M | $70M | $70M | 0.0% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.