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Hagerty, Inc. (HGTY) vs Mercury General Corporation (MCY)

Hagerty, Inc. and Mercury General Corporation are both Insurance Property & Casualty companies. Hagerty, Inc. and Mercury General Corporation are of similar size ($5.6B and $5.3B). Mercury General Corporation trades at the lower P/E: 6.1× against 95.6×. Mercury General Corporation grew revenue faster over the last twelve months: 9.95% against 3.75%. Mercury General Corporation has the higher net margin (14.8% vs 1.25%) and the higher return on invested capital (35.8% vs 0.00%). Across the 20 metrics below, Mercury General Corporation leads on 14 and Hagerty, Inc. on 6.

Valuation

Metric HGTY MCY Insurance Property & Casualty median
P/E 95.63 6.08 10.75
P/S 1.10 0.90 1.21
P/B 2.40 2.01 1.99
Price to free cash flow 5.59 4.43 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.05% 16.46% 9.08%
Free cash flow yield 17.88% 22.57% 12.11%

Profitability

Metric HGTY MCY Insurance Property & Casualty median
Gross margin 100.00% 26.12% 41.16%
Operating margin 13.39% 18.78% 15.09%
Net margin 1.25% 14.77% 11.51%
Free cash flow margin 19.68% 20.26% 17.46%
Return on equity 2.88% 38.99% 17.34%
Return on assets 0.84% 9.55% 3.74%
Return on invested capital 0.00% 35.81% 12.06%

Growth

Metric HGTY MCY Insurance Property & Casualty median
Revenue growth (TTM) 3.75% 9.95% 8.02%
EPS growth (last fiscal year) 270.00% 15.62% 39.61%
Revenue growth, 5-year CAGR 23.86% 9.63% 9.23%
Net income growth, 5-year CAGR 32.47% 7.63% 10.09%

Health

Metric HGTY MCY Insurance Property & Casualty median
Debt to equity 0.40 0.33 0.25
Current ratio 1.53 0.42 0.42
Net debt to EBITDA (3.42) (0.97) 0.08

Dividend

Metric HGTY MCY Insurance Property & Casualty median
Dividend yield — 1.24% 1.50%
Payout ratio — 0.08 0.14

Size

Metric HGTY MCY Insurance Property & Casualty median
Market cap 5.26b 5.64b 2.67b

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