Mercury General Corporation (MCY) vs Selective Insurance Group, Inc. (SIGI)

Mercury General Corporation and Selective Insurance Group, Inc. are both Insurance Property & Casualty companies. Mercury General Corporation and Selective Insurance Group, Inc. are of similar size ($5.4B and $5.1B). Mercury General Corporation trades at the lower P/E: 5.9× against 10.7×. Mercury General Corporation grew revenue faster over the last twelve months: 9.95% against 7.01%. Mercury General Corporation has the higher net margin (14.8% vs 8.93%) and the higher return on invested capital (35.8% vs 9.36%). Both pay a dividend; Mercury General Corporation yields more (3.17% vs 1.47%). Across the 23 metrics below, Mercury General Corporation leads on 16 and Selective Insurance Group, Inc. on 7.

Valuation

Metric MCY SIGI Insurance Property & Casualty median
P/E 5.88 10.68 10.29
P/S 0.87 0.94 1.17
P/B 1.94 1.48 1.83
Price to free cash flow 4.28 4.29 7.48
EV/EBITDA 3.73 8.65 7.49
EV/Sales 0.75 1.13 1.13
Earnings yield 17.02% 9.36% 9.50%
Free cash flow yield 23.34% 23.30% 13.29%

Profitability

Metric MCY SIGI Insurance Property & Casualty median
Gross margin 26.12% 41.16% 41.16%
Operating margin 18.78% 12.46% 15.09%
Net margin 14.77% 8.93% 11.51%
Free cash flow margin 20.26% 21.73% 17.59%
Return on equity 38.99% 14.73% 18.19%
Return on assets 9.55% 3.25% 3.74%
Return on invested capital 35.81% 9.36% 12.06%

Growth

Metric MCY SIGI Insurance Property & Casualty median
Revenue growth (TTM) 9.95% 7.01% 8.69%
EPS growth (last fiscal year) 15.62% 131.89% —
Revenue growth, 5-year CAGR 9.63% 12.80% 9.23%
Net income growth, 5-year CAGR 7.63% 13.16% 10.09%

Health

Metric MCY SIGI Insurance Property & Casualty median
Debt to equity 0.33 0.25 0.25
Current ratio 0.42 0.25 0.42
Net debt to EBITDA (0.97) 1.32 0.08

Dividend

Metric MCY SIGI Insurance Property & Casualty median
Dividend yield 3.17% 1.47% 2.79%
Payout ratio 0.57 0.27 0.27

Size

Metric MCY SIGI Insurance Property & Casualty median
Market cap 5.44b 5.11b 2.44b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack