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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. is the larger, with a market value of $6.3B against $4.7B — 1.3× the size. Mercury General Corporation trades at the lower P/E: 7.3× against 57.0×. Mercury General Corporation grew revenue faster over the last twelve months: 5.42% against −3.77%. Mercury General Corporation has the higher net margin (10.5% vs 0.52%) and the higher return on invested capital (24.8% vs 0.00%). Across the 20 metrics below, Mercury General Corporation leads on 12 and Hagerty, Inc. on 8.

Valuation

Metric HGTY MCY Insurance Property & Casualty median
P/E 57.02 7.28 12.17
P/S 1.41 0.76 1.26
P/B 2.93 1.67 1.85
Price to free cash flow 6.96 4.05 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.75% 13.73% 8.20%
Free cash flow yield 14.36% 24.70% 11.86%

Profitability

Metric HGTY MCY Insurance Property & Casualty median
Gross margin 100.00% 21.11% 37.39%
Operating margin 18.23% 13.37% 14.67%
Net margin 0.52% 10.47% 10.16%
Free cash flow margin 20.29% 18.84% 18.60%
Return on equity 1.10% 25.52% 16.59%
Return on assets 0.32% 6.52% 3.38%
Return on invested capital 0.00% 24.80% 9.43%

Growth

Metric HGTY MCY Insurance Property & Casualty median
Revenue growth (TTM) (3.77%) 5.42% 5.70%
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 0.41 0.20 0.25
Current ratio 1.59 0.35 0.49
Net debt to EBITDA (3.42) (0.97) 0.08

Dividend

Metric HGTY MCY Insurance Property & Casualty median
Dividend yield — 1.50% 1.56%
Payout ratio — 0.11 0.15

Size

Metric HGTY MCY Insurance Property & Casualty median
Market cap 6.31b 4.68b 2.64b

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