Mercury General Corporation (MCY)vsThe Travelers Companies Inc (TRV)
MCY
Mercury General Corporation
$102.34
-0.26%
FINANCIAL SERVICES · Cap: $5.79B
TRV
The Travelers Companies Inc
$375.20
+2.08%
FINANCIAL SERVICES · Cap: $78.26B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 673% more annual revenue ($48.98B vs $6.34B). TRV leads profitability with a 17.0% profit margin vs 14.8%. MCY appears more attractively valued with a PEG of 1.12. MCY earns a higher WallStSmart Score of 76/100 (B+).
MCY
Strong Buy76
out of 100
Grade: B+
TRV
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 32 in profit
Earnings expanding 58.3% YoY
Reasonable price relative to book value
Attractively priced relative to earnings
Earnings expanding 57.1% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
0.3% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MCY
The strongest argument for MCY centers on P/E Ratio, Return on Equity, EPS Growth. Revenue growth of 13.8% demonstrates continued momentum. PEG of 1.12 suggests the stock is reasonably priced for its growth.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 17.0% and operating margin at 23.7%.
Bear Case : MCY
The primary concerns for MCY are Piotroski F-Score, Altman Z-Score.
Bear Case : TRV
The primary concerns for TRV are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
MCY carries more volatility with a beta of 0.92 — expect wider price swings.
MCY is growing revenue faster at 13.8% — sustainability is the question.
TRV generates stronger free cash flow (1.9B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MCY scores higher overall (76/100 vs 74/100) and 13.8% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Mercury General Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Mercury General Corporation engages in underwriting personal auto insurance in the United States. The company is headquartered in Los Angeles, California.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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