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Market Price

67.39 

0.56 0.8%

as of May 14 '21

52 Week Range:

38.34 67.88


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. It also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance. The company's automobile insurance products include collision, property damage, bodily injury, comprehensive, personal injury protection, underinsured and uninsured motorist, and other hazards; and homeowners' insurance products comprise dwelling, liability, personal property, fire, and other hazards. It sells its policies through a network of independent agents, insurance agencies, and direct channels in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. The company was founded in 1961 and is headquartered in Los Angeles, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 32.75
32.99
33.55
33.47
34.92
33.16
32.84
32.10
31.34
32.56
34.34
growth rate 0.7% 1.7% -0.2% 4.3% -5.0% -1.0% -2.3% -2.4% 3.9% 5.5%
Earnings BIT 182.39
245.10
135.31
132.10
250.06
73.74
74.69
178.95
-13.58
395.10
475.55
growth rate 34.4% -44.8% -2.4% 89.3% -70.5% 1.3% 139.6% -100.0% 100.0% 20.4%
Avg.PE 15.50
13.09
18.66
24.39
16.70
36.88
42.89
27.36
30.80
13.21
13.21
growth rate -15.6% 42.6% 30.7% -31.5% 120.8% 16.3% -36.2% 12.6% -57.1% 0.0%
ROA 3.61
4.62
2.83
2.64
3.99
1.61
1.55
2.93
-0.11
5.65
6.13
growth rate 28.0% -38.7% -6.7% 51.1% -59.7% -3.7% 89.0% -100.0% 100.0% 8.5%
ROE 8.54
10.47
6.32
6.12
9.62
4.03
4.09
8.25
-0.34
18.73
19.55
growth rate 22.6% -39.6% -3.2% 57.2% -58.1% 1.5% 101.7% -100.0% 100.0% 4.4%
ROIC 7.69
9.63
5.94
5.67
8.61
growth rate 25.2% -38.3% -4.6% 51.9%
Leverage 2.34
2.19
2.27
2.37
2.45
2.54
2.73
2.90
3.35
3.27
3.11
growth rate -6.4% 3.7% 4.4% 3.4% 3.7% 7.5% 6.2% 15.5% -2.4% -4.9%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 300.12
370.20
389.10
411.71
467.59
470.48
541.98
600.06
618.98
599.80
growth rate 23.4% 5.1% 5.8% 13.6% 0.6% 15.2% 10.7% 3.2% -3.1%
Acct.Payable 94.81
96.22
139.52
130.89
122.57
112.33
108.25
115.07
143.32
1,441.08
growth rate 1.5% 45.0% -6.2% -6.4% -8.4% -3.6% 6.3% 24.6% 905.5%
Cur.Assets 1,112.90
959.83
1,121.66
1,231.82
1,434.11
1,526.39
1,415.36
growth rate -13.8% 16.9% 9.8% 16.4% 6.4% -7.3%
Total Assets 4,203.40
4,070.01
4,189.69
4,315.18
4,600.29
4,628.65
4,788.72
5,101.32
5,433.73
5,889.16
6,328.25
growth rate -3.2% 2.9% 3.0% 6.6% 0.6% 3.5% 6.5% 6.5% 8.4% 7.5%
Cash 181.40
211.39
158.18
266.51
289.91
264.22
220.32
291.41
314.29
294.40
348.48
growth rate 16.5% -25.2% 68.5% 8.8% -8.9% -16.6% 32.3% 7.9% -6.3% 18.4%
Cur.Liabilities 1,130.88
1,172.15
1,216.75
1,210.30
1,351.26
1,498.94
2,873.37
growth rate 3.7% 3.8% -0.5% 11.7% 10.9% 91.7%
Liabilities 2,408.50
2,212.52
2,347.19
2,492.70
2,724.84
2,807.76
3,036.32
3,339.94
3,816.05
4,089.66
4,295.65
growth rate -8.1% 6.1% 6.2% 9.3% 3.0% 8.1% 10.0% 14.3% 7.2% 5.0%
LT Debt 267.20
140.00
140.00
190.00
294.03
301.53
300.77
372.54
376.59
372.13
372.53
growth rate -47.6% 0.0% 35.7% 54.8% 2.6% -0.3% 23.9% 1.1% -1.2% 0.1%
Equity 1,794.80
1,857.48
1,842.50
1,822.49
1,875.45
1,820.89
1,752.40
1,761.39
1,617.68
1,799.50
2,032.60
growth rate 3.5% -0.8% -1.1% 2.9% -2.9% -3.8% 0.5% -8.2% 11.2% 13.0%
Common Shares 55.00
55.00
55.00
55.00
55.00
55.00
55.00
55.00
55.00
55.00
55.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 27.50
18.08
15.18
18.67
26.04
20.11
16.98
19.44
27.96
40.09
39.95
growth rate -34.3% -16.1% 23.0% 39.5% -22.8% -15.6% 14.5% 43.8% 43.4% -0.3%
Cash Dividends 129.90
132.14
134.11
134.78
135.50
136.39
137.20
137.89
138.48
139.07
139.64
growth rate 1.7% 1.5% 0.5% 0.5% 0.7% 0.6% 0.5% 0.4% 0.4% 0.4%
Cash From OA 91.80
158.53
148.06
209.80
246.54
190.27
291.68
341.41
383.43
519.68
605.62
growth rate 72.7% -6.6% 41.7% 17.5% -22.8% 53.3% 17.1% 12.3% 35.5% 16.5%
FCF per Share 1.15
2.59
2.42
3.43
3.87
3.16
4.24
6.00
6.58
7.82
9.24
growth rate 125.2% -6.6% 41.7% 12.8% -18.4% 34.2% 41.5% 9.7% 18.8% 18.2%
Sale Purchase of Stock 1.95
2.49
1.45
6.25
2.11
1.63
2.16
growth rate 27.7% -42.0% 332.0% -66.2% -22.7% 32.5%
FCF 63.00
140.00
133.00
191.00
220.00
170.00
270.00
322.00
355.00
480.00
566.00
growth rate 122.2% -5.0% 43.6% 15.2% -22.7% 58.8% 19.3% 10.3% 35.2% 17.9%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 2,775.90
2,777.29
2,783.37
2,821.04
3,011.77
3,009.30
3,227.68
3,412.66
3,380.00
3,972.52
3,784.51
growth rate 0.1% 0.2% 1.4% 6.8% -0.1% 7.3% 5.7% -1.0% 17.5% -4.7%
Op.Income 182.39
191.16
116.91
112.14
250.06
73.74
74.69
178.95
-13.58
395.10
475.55
growth rate 4.8% -38.8% -4.1% 123.0% -70.5% 1.3% 139.6% -100.0% 100.0% 20.4%
IBT 182.40
245.10
135.31
132.10
247.43
70.57
70.72
167.09
-30.62
378.07
458.50
growth rate 34.4% -44.8% -2.4% 87.3% -71.5% 0.2% 136.3% -100.0% 100.0% 21.3%
Net Income 152.20
191.16
116.91
112.14
177.95
74.48
73.04
144.88
-5.73
320.09
374.61
growth rate 25.6% -38.8% -4.1% 58.7% -58.2% -1.9% 98.3% -100.0% 100.0% 17.0%
EPS 2.78
3.49
2.13
2.04
3.23
1.35
1.32
2.62
-0.10
5.78
6.77
growth rate 25.5% -39.0% -4.2% 58.3% -58.2% -2.2% 98.5% -100.0% 100.0% 17.1%
Gross Profit 444.55
466.36
344.13
352.83
522.44
368.57
349.60
449.83
271.95
706.61
799.38
growth rate 4.9% -26.2% 2.5% 48.1% -29.5% -5.2% 28.7% -39.5% 159.8% 13.1%

Quarterly Statements

Item Name Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Earnings BIT -176.45
289.73
150.89
211.37
growth rate 100.0% -47.9% 40.1%
Balance Sheet Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Acct.Receivable 631.16
611.17
631.11
599.80
growth rate -3.2% 3.3% -5.0%
Acct.Payable 150.31
190.20
180.31
1,441.08
191.12
growth rate 26.5% -5.2% 699.2% -86.7%
Cur.Assets 1,234.83
1,301.25
1,291.81
1,415.36
growth rate 5.4% -0.7% 9.6%
Total Assets 5,716.90
5,916.74
6,145.79
6,328.25
6,554.15
growth rate 3.5% 3.9% 3.0% 3.6%
Cash 252.84
262.15
322.13
348.48
338.43
growth rate 3.7% 22.9% 8.2% -2.9%
Inventory
growth rate
Cur.Liabilities 1,543.77
1,589.07
1,620.62
2,873.37
growth rate 2.9% 2.0% 77.3%
Liabilities 4,093.45
4,099.92
4,244.96
4,295.65
4,449.72
growth rate 0.2% 3.5% 1.2% 3.6%
LT Debt 372.23
372.33
372.43
372.53
372.63
growth rate 0.0% 0.0% 0.0% 0.0%
Equity 1,623.44
1,816.82
1,900.83
2,032.60
2,104.44
growth rate 11.9% 4.6% 6.9% 3.5%
Common Shares 98.86
98.90
98.93
98.97
98.84
growth rate 0.0% 0.0% 0.0% -0.1%
Cash Flow Statement Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Capital Expenditures 10.31
9.48
9.98
10.19
growth rate -8.0% 5.2% 2.2%
Cash Dividends 34.88
34.88
34.88
35.01
35.20
growth rate 0.0% 0.0% 0.4% 0.5%
Cash From OA 97.15
162.44
183.67
162.36
174.52
growth rate 67.2% 13.1% -11.6% 7.5%
Sale Purchase of Stock
growth rate
FCF 86.84
152.95
173.69
152.18
growth rate 76.1% 13.6% -12.4%
Income Statement Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Sales 708.31
1,005.84
998.77
1,071.58
993.10
growth rate 42.0% -0.7% 7.3% -7.3%
Op.Income -176.45
289.73
150.89
211.37
growth rate 100.0% -47.9% 40.1%
IBT -180.71
285.47
146.63
207.11
132.42
growth rate 100.0% -48.6% 41.3% -36.1%
Net Income -139.20
228.21
118.86
166.74
107.00
growth rate 100.0% -47.9% 40.3% -35.8%
EPS
growth rate
Gross Profit -88.19
370.64
233.55
283.98
growth rate 100.0% -37.0% 21.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (69.44)

YOY Growth Grade:

D (42.25)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.21 6.01 15.45
EPS / Growth -23.5% 11.21 25.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 2.6% 2.6%
Future PE 2.00 11.30 11.30
Future EPS 12.38 14.52 14.52
Value Price
MOS %
6.12
-90.9%
40.55
-39.8%
40.55
-39.8%
MOS Price 3.06 20.27 20.27
IRT 5.81 5.52 5.52

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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