Mercury General Corporation (MCY)vsThe Travelers Companies Inc (TRV)
MCY
Mercury General Corporation
$102.60
+2.42%
FINANCIAL SERVICES · Cap: $5.69B
TRV
The Travelers Companies Inc
$394.01
-0.76%
FINANCIAL SERVICES · Cap: $81.25B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 672% more annual revenue ($48.92B 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 78/100 (B+).
MCY
Strong Buy78
out of 100
Grade: B+
TRV
Strong Buy66
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
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Generating 3.9B in free cash flow
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 0.5%
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, Market Cap, Return on Equity. Profitability is solid with margins at 17.0% and operating margin at 20.0%.
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 profiles as a value stock while TRV is a declining play — different risk/reward profiles.
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.
TRV generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
MCY scores higher overall (78/100 vs 66/100) 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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