WallStSmart

Mercury General Corporation (MCY)vsThe Travelers Companies Inc (TRV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Travelers Companies Inc generates 698% more annual revenue ($48.98B vs $6.14B). TRV leads profitability with a 17.0% profit margin vs 13.7%. MCY appears more attractively valued with a PEG of 1.12. MCY earns a higher WallStSmart Score of 76/100 (B+).

MCY

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 7.5Value: 7.0Quality: 4.5
Piotroski: 3/9Altman Z: 0.94

TRV

Strong Buy

74

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 6.3Quality: 5.0
Piotroski: 4/9Altman Z: 0.89

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MCY5 strengths · Avg: 9.4/10
P/E RatioValuation
7.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
32.4%10/10

Every $100 of equity generates 32 in profit

EPS GrowthGrowth
100.9%10/10

Earnings expanding 100.9% YoY

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

TRV6 strengths · Avg: 9.2/10
P/E RatioValuation
9.9x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
57.1%10/10

Earnings expanding 57.1% YoY

Market CapQuality
$77.61B9/10

Large-cap with strong market position

Return on EquityProfitability
25.1%9/10

Every $100 of equity generates 25 in profit

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

MCY2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.942/10

Distress zone — elevated risk

TRV3 concerns · Avg: 3.3/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.3%4/10

0.3% revenue growth

Altman Z-ScoreHealth
0.892/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MCY

The strongest argument for MCY centers on P/E Ratio, Return on Equity, EPS Growth. Revenue growth of 10.5% 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 PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

MCY carries more volatility with a beta of 0.91 — expect wider price swings.

MCY is growing revenue faster at 10.5% — 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 10.5% 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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