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JPM vs MCY

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
MCY
Mercury General Corporation
BULLISH
Price
$95.65
Market Cap
$5.3B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JPM
15.68
MCY
9.79
Forward P/E
JPM
13.42
MCY
11.96
P/B Ratio
JPM
2.47
MCY
2.19
P/S Ratio
JPM
5.03
MCY
0.88
EV/EBITDA
JPM
--
MCY
5.54

Profitability

Gross Margin
JPM
0.0%
MCY
18.63%
Operating Margin
JPM
41.06%
MCY
16.66%
Profit Margin
JPM
33.91%
MCY
9.03%
ROE
JPM
16.13%
MCY
24.8%
ROA
JPM
1.35%
MCY
4.82%

Growth

Revenue Growth
JPM
2.5%
MCY
14.1%
Earnings Growth
JPM
-3.6%
MCY
100.9%

Financial Health

Debt/Equity
JPM
--
MCY
0.24
Current Ratio
JPM
--
MCY
0.56
Quick Ratio
JPM
--
MCY
0.52

Dividends

Dividend Yield
JPM
1.91%
MCY
1.33%
Payout Ratio
JPM
28.97%
MCY
13.0%

AI Verdict

JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)
MCY BULLISH

MCY exhibits a strong recovery profile, transitioning from significant losses in 2022-2023 to explosive earnings growth (100.9% YoY). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company's valuation is highly attractive, trading almost exactly at its Graham Number ($97.95) and significantly below its growth-based intrinsic value ($288.21). Strong ROE (24.8%) and a low P/E ratio (9.79) suggest the market has not yet fully priced in the recent earnings acceleration.

Strengths
Explosive earnings growth (100.9% YoY) and consistent earnings beats
Attractive valuation with a P/E of 9.79 and P/S of 0.88
Strong Return on Equity (ROE) of 24.80%
Risks
Low current ratio (0.56) indicating potential short-term liquidity pressure
Low dividend strength (25/100) and yield (1.33%)
High volatility in historical quarterly earnings (swinging from losses to massive gains)

Compare Another Pair

JPM vs MCY: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and Mercury General Corporation (MCY) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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