Mercury General Corporation (MCY)vsProgressive Corp (PGR)
MCY
Mercury General Corporation
$102.60
+2.42%
FINANCIAL SERVICES · Cap: $5.69B
PGR
Progressive Corp
$225.66
+1.99%
FINANCIAL SERVICES · Cap: $127.17B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 1346% more annual revenue ($91.70B vs $6.34B). MCY leads profitability with a 14.8% profit margin vs 12.7%. MCY appears more attractively valued with a PEG of 1.12. MCY earns a higher WallStSmart Score of 78/100 (B+).
MCY
Strong Buy78
out of 100
Grade: B+
PGR
Buy53
out of 100
Grade: C-
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
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 3.5B in free cash flow
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
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 : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : MCY
The primary concerns for MCY are Piotroski F-Score, Altman Z-Score.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
MCY carries more volatility with a beta of 0.91 — expect wider price swings.
MCY is growing revenue faster at 13.8% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MCY scores higher overall (78/100 vs 53/100) and 13.8% revenue growth. Both earn "Strong Buy" and "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.
Progressive Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.
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