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 1.8 times as much as Mercury General ($8.5B against $4.8B).
On earnings, Mercury General is cheaper: it trades at 7.4× trailing earnings, against 11.9× for Hanover Insurance.
Mercury General grew revenue faster over the last twelve months (5.4% versus 5.0% for Hanover Insurance).
Hanover Insurance keeps more of each dollar of sales as profit, with a net margin of 11.0% compared with 10.5% at Mercury General.
Both pay dividends: Mercury General yields 1.5% and Hanover Insurance 1.5%.
Hanover Insurance scores higher on the StockData Score (14 against 10 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 | $4.8B | $8.5B |
| Share price | $86.45 | $248.26 |
| Change, 1 year | −0.95% | 36.1% |
| Change, 5 years | 67.6% | 97.0% |
| Beta (5Y) | 0.67 | 0.40 |
| Employees | 4,300 | 4,900 |
| StockData Score | ||
| Total score | 10 | 14 (better) |
| Valuation score | 3 (better) | 2 |
| Growth score | 3 (better) | 2 |
| Performance score | 3 | 4 (better) |
| Health score | 0 | 3 (better) |
| Dividend score | 1 | 3 (better) |
| Valuation | ||
| P/E | 7.4× (better) | 11.9× |
| P/S | 0.8× (better) | 1.2× |
| P/B | – | 2.5× |
| EV/EBITDA | 4.0× (better) | 7.8× |
| P/FCF | 4.1× (better) | 7.0× |
| PEG | – | 0.15 |
| FCF yield | 24.2% (better) | 14.3% |
| Fair value | – | $216.63 |
| Margin of safety | – | −14.6% |
| Growth | ||
| Revenue growth (TTM) | 5.4% (better) | 5.0% |
| Revenue growth, 5Y average | 9.6% (better) | 6.4% |
| Net income growth (TTM) | 46.2% (better) | 18.6% |
| EPS growth (TTM) | 46.4% (better) | 20.6% |
| EPS growth, 5Y average | 7.6% | 14.0% (better) |
| Profitability | ||
| Gross margin | 99.7% | – |
| Operating margin | – | 15.2% |
| Net margin | 10.5% | 11.0% (better) |
| FCF margin | 18.8% (better) | 17.8% |
| Return on equity | – | 21.8% |
| Return on invested capital | – | 27.2% |
| Financial health | ||
| Debt / equity | – | 0.01 |
| Net debt / EBITDA | – | −0.44 |
| Interest coverage | – | 22.8× |
| Altman Z-score | 1.34 (better) | 1.32 |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.5% | 1.5% (better) |
| Payout ratio | – | 17.8% |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | −12.8% | – |
| Buyback yield | – | 3.3% |
| Shareholder yield | 1.5% | 4.8% (better) |
| Ownership | ||
| Held by institutions | 47.0% | 93.2% |
| Held by insiders | 35.5% | 1.2% |
| Insider net buying, 12 months | $162K (better) | −$18.4M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 4.9% | 2.8% |
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.