Mercury General vs Hanover Insurance
MCY and THG side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How MCY and THG compare
Hanover Insurance is the larger company, worth 1.5 times as much as Mercury General ($8.4B against $5.7B).
On earnings, Mercury General is cheaper: it trades at 6.1× trailing earnings, against 11.6× for Hanover Insurance.
Mercury General grew revenue faster over the last twelve months (10.0% versus 5.6% for Hanover Insurance).
Mercury General keeps more of each dollar of sales as profit, with a net margin of 14.8% compared with 11.2% at Hanover Insurance.
Both pay dividends: Mercury General yields 1.2% and Hanover Insurance 1.6%.
Hanover Insurance scores higher on the StockData Score (13 against 11 for Mercury General), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | MCY | THG |
|---|---|---|
| Size and price | ||
| Market cap | $5.7B | $8.4B |
| Share price | $102.42 | $242.09 |
| Change, 1 year | 33.0% | 43.8% |
| Change, 5 years | 84.9% | 92.6% |
| Beta (5Y) | 0.62 | 0.40 |
| Employees | 4,300 | 4,900 |
| StockData Score | ||
| Total score | 11 | 13 (better) |
| Valuation score | 3 (better) | 1 |
| Growth score | 3 (better) | 2 |
| Performance score | 4 | 4 |
| Health score | 0 | 3 (better) |
| Dividend score | 1 | 3 (better) |
| Valuation | ||
| P/E | 6.1× (better) | 11.6× |
| P/S | 0.9× (better) | 1.2× |
| P/B | – | 2.3× |
| EV/EBITDA | 3.2× (better) | 7.9× |
| P/FCF | 4.5× (better) | 6.7× |
| PEG | – | 0.15 |
| FCF yield | 22.3% (better) | 14.9% |
| Fair value | – | $220.44 |
| Margin of safety | – | −9.8% |
| Growth | ||
| Revenue growth (TTM) | 10.0% (better) | 5.6% |
| Revenue growth, 5Y average | 9.6% (better) | 6.4% |
| Net income growth (TTM) | 140% (better) | 36.1% |
| EPS growth (TTM) | 140% (better) | 37.5% |
| EPS growth, 5Y average | 7.6% | 14.0% (better) |
| Profitability | ||
| Gross margin | 99.7% | – |
| Operating margin | – | 15.4% |
| Net margin | 14.8% (better) | 11.2% |
| FCF margin | 19.9% (better) | 18.5% |
| Return on equity | – | 21.9% |
| Return on invested capital | – | 23.6% |
| Financial health | ||
| Debt / equity | – | 0.01 |
| Net debt / EBITDA | – | −0.21 |
| Interest coverage | – | 22.1× |
| Altman Z-score | 1.41 (better) | 1.32 |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.2% | 1.6% (better) |
| Payout ratio | – | 17.5% |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | −12.8% | – |
| Buyback yield | – | 2.8% |
| Shareholder yield | 1.2% | 4.3% (better) |
| Ownership | ||
| Held by institutions | 47.0% | 92.0% |
| Held by insiders | 35.5% | 1.2% |
| Insider net buying, 12 months | $49.9K (better) | −$16.2M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 4.1% | 3.0% |
Go deeper
- MCY stock overview
- MCY income statement
- MCY valuation and score
- THG stock overview
- THG income statement
- THG valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.