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Try Stocky free →Cautious. Mercury General offers strong underwriting fundamentals (80 Growth Compounder, 66 Value Compounder scores) at a reasonable 9.6× forward P/E, but leadership alignment is weak (53/100) and California concentration—85% of direct premiums from a single state—creates material regulatory and competitive risk. Agent dependency compounds vulnerability; loss of key distribution channels could rapidly compress margins.
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Quality + moat + leadership + valuation + sentiment fused into a single 0–100 number. When you see 56/100, you know instantly whether to dig deeper or skip.
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Stocky rates MCY (MCY) at 56/100 — below the bar Stocky looks for. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Cautious. Mercury General offers strong underwriting fundamentals (80 Growth Compounder, 66 Value Compounder scores) at a reasonable 9.6× forward P/E, but leadership alignment is weak (53/100) and California concentration—85% of direct prem
MCY's current Stocky Verdict is 56/100, placing it in the "Cautious" band. This composite combines a 80/100 Compounder score, 53/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for MCY yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
MCY scores 53/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
MCY's Vulnerability Profile scores 33/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to MCY.
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