Mercury General [MCY] vs Selective Insurance [SIGI] Detailed Stock Comparison
Mercury General
NYSE
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Selective Insurance
NASDAQ
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Mercury General wins in 11 metrics, Selective Insurance wins in 8 metrics, with 0 ties. Mercury General appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Mercury General | Selective Insurance | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 11.81 | 13.27 | Mercury General |
| Price-to-Book Ratio | 2.34 | 1.55 | Selective Insurance |
| Debt-to-Equity Ratio | 29.97 | 26.79 | Selective Insurance |
| PEG Ratio | 0.07 | -0.06 | Selective Insurance |
| EV/EBITDA | 6.55 | 9.23 | Mercury General |
| Profit Margin (TTM) | 6.76% | 7.50% | Selective Insurance |
| Operating Margin (TTM) | 14.48% | 9.21% | Mercury General |
| EBITDA Margin (TTM) | 14.48% | 9.21% | Mercury General |
| Return on Equity | 21.56% | 12.20% | Mercury General |
| Return on Assets (TTM) | 3.75% | 2.56% | Mercury General |
| Free Cash Flow (TTM) | $990.98M | $1.07B | Selective Insurance |
| Dividend Yield | 1.53% | 2.41% | Selective Insurance |
| 1-Year Return | 29.13% | -12.41% | Mercury General |
| Price-to-Sales Ratio (TTM) | 0.80 | 0.96 | Mercury General |
| Enterprise Value | $3.79B | $5.40B | Selective Insurance |
| EV/Revenue Ratio | 0.66 | 1.06 | Mercury General |
| Revenue per Share (TTM) | $104 | $84 | Mercury General |
| Earnings per Share (Diluted) | $7.03 | $6.07 | Mercury General |
| Beta (Stock Volatility) | 1.00 | 0.43 | Selective Insurance |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Mercury General vs Selective Insurance Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Mercury General | 0.32% | 2.81% | 8.98% | 27.74% | 49.16% | 27.88% |
| Selective Insurance | 1.12% | 4.79% | 4.73% | -3.37% | -10.88% | -10.81% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Mercury General | 29.13% | 196.68% | 106.00% | 62.73% | 104.55% | 40.76% |
| Selective Insurance | -12.41% | -2.50% | 53.08% | 143.09% | 389.52% | 232.75% |
News Based Sentiment: Mercury General vs Selective Insurance
Mercury General
News based Sentiment: MIXED
September presented a mixed bag for Mercury General, with strong stock performance and positive analyst sentiment offset by projected earnings declines for 2025. The company is actively managing risks and returning capital to shareholders, creating a complex investment narrative that requires careful monitoring.
Selective Insurance
News based Sentiment: MIXED
The month presented a mixed bag for Selective Insurance. Positive developments like increased investment income guidance and continued dividend growth were overshadowed by a significant revenue miss in Q2 and concerning technical signals. This creates uncertainty about the company's near-term performance and warrants a cautious outlook.
Performance & Financial Health Analysis: Mercury General vs Selective Insurance
| Metric | MCY | SIGI |
|---|---|---|
| Market Information | ||
| Market Cap | $4.60B | $4.96B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 266,080 | 530,944 |
| 90 Day Avg. Volume | 228,663 | 520,788 |
| Last Close | $84.08 | $82.19 |
| 52 Week Range | $44.19 - $85.96 | $71.75 - $103.56 |
| % from 52W High | -2.19% | -20.64% |
| All-Time High | $85.96 (Oct 01, 2025) | $109.58 (Mar 25, 2024) |
| % from All-Time High | -2.19% | -25.00% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.13% | 0.11% |
| Quarterly Earnings Growth | 1.66% | 0.11% |
| Financial Health | ||
| Profit Margin (TTM) | 0.07% | 0.08% |
| Operating Margin (TTM) | 0.14% | 0.09% |
| Return on Equity (TTM) | 0.22% | 0.12% |
| Debt to Equity (MRQ) | 29.97 | 26.79 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $35.56 | $52.09 |
| Cash per Share (MRQ) | $25.35 | $8.74 |
| Operating Cash Flow (TTM) | $869.32M | $1.17B |
| Levered Free Cash Flow (TTM) | $230.68M | $1.04B |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.53% | 2.41% |
| Last 12-Month Dividend | $0.96 | $1.87 |
Valuation & Enterprise Metrics Analysis: Mercury General vs Selective Insurance
| Metric | MCY | SIGI |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 11.81 | 13.27 |
| Forward P/E | 12.78 | 10.34 |
| PEG Ratio | 0.07 | -0.06 |
| Price to Sales (TTM) | 0.80 | 0.96 |
| Price to Book (MRQ) | 2.34 | 1.55 |
| Market Capitalization | ||
| Market Capitalization | $4.60B | $4.96B |
| Enterprise Value | $3.79B | $5.40B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 0.66 | 1.06 |
| Enterprise to EBITDA | 6.55 | 9.23 |
| Risk & Other Metrics | ||
| Beta | 1.00 | 0.43 |
| Book Value per Share (MRQ) | $35.56 | $52.09 |
Financial Statements Comparison: Mercury General vs Selective Insurance
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | MCY | SIGI |
|---|---|---|
| Revenue/Sales | $1.39B | $1.33B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $-142.30M | $108.91M |
| Income Tax | $-33.97M | $22.96M |
| Net Income (Profit) | $-108.33M | $85.94M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | MCY | SIGI |
|---|---|---|
| Cash & Equivalents | $1.28B | $124,000 |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $592.09M | $903.23M |
| Total Shareholders Equity | $1.82B | $3.26B |
| Retained Earnings | $1.72B | $3.22B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | MCY | SIGI |
|---|---|---|
| Operating Cash Flow | $-712.70M | $67.40M |
| Capital Expenditures | $-13.14M | $-13.01M |
| Free Cash Flow | $-81.87M | $270.97M |
| Debt Repayment | $-754,000 | $-701,000 |
| Common Stock Repurchase | N/A | $-25.20M |
Short Interest & Institutional Ownership Analysis
| Metric | MCY | SIGI |
|---|---|---|
| Shares Short | 1.68M | 1.40M |
| Short Ratio | 7.88 | 2.71 |
| Short % of Float | 0.06% | 0.03% |
| Average Daily Volume (10 Day) | 266,080 | 530,944 |
| Average Daily Volume (90 Day) | 228,663 | 520,788 |
| Shares Outstanding | 55.39M | 60.85M |
| Float Shares | 26.55M | 60.23M |
| % Held by Insiders | 0.52% | 0.01% |
| % Held by Institutions | 0.48% | 0.88% |
Dividend Analysis & Yield Comparison: Mercury General vs Selective Insurance
| Metric | MCY | SIGI |
|---|---|---|
| Last 12-Month Dividend | $0.96 | $1.87 |
| Last 12-Month Dividend Yield | 1.53% | 2.41% |
| 3-Year Avg Annual Dividend | $1.17 | $1.47 |
| 3-Year Avg Dividend Yield | 0.80% | 0.37% |
| 3-Year Total Dividends | $3.52 | $4.40 |
| Ex-Dividend Date | Mar 13, 2025 | Aug 15, 2025 |