Mercury General Corporation (MCY)vsW. R. Berkley Corp (WRB)
MCY
Mercury General Corporation
$102.60
+2.42%
FINANCIAL SERVICES · Cap: $5.69B
WRB
W. R. Berkley Corp
$71.63
-1.04%
FINANCIAL SERVICES · Cap: $28.00B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 135% more annual revenue ($14.90B vs $6.34B). MCY leads profitability with a 14.8% profit margin vs 12.9%. 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+
WRB
Buy63
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
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
1.2% 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 : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : MCY
The primary concerns for MCY are Piotroski F-Score, Altman Z-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, 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 13.8% — sustainability is the question.
WRB generates stronger free cash flow (788M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MCY scores higher overall (78/100 vs 63/100) 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.
W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?