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MCY vs V

MCY
Mercury General Corporation
BULLISH
Price
$95.65
Market Cap
$5.3B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
MCY
9.79
V
28.35
Forward P/E
MCY
11.96
V
20.79
P/B Ratio
MCY
2.19
V
15.09
P/S Ratio
MCY
0.88
V
14.08
EV/EBITDA
MCY
5.54
V
20.06

Profitability

Gross Margin
MCY
18.63%
V
97.78%
Operating Margin
MCY
16.66%
V
68.3%
Profit Margin
MCY
9.03%
V
50.23%
ROE
MCY
24.8%
V
53.95%
ROA
MCY
4.82%
V
18.36%

Growth

Revenue Growth
MCY
14.1%
V
14.6%
Earnings Growth
MCY
100.9%
V
17.4%

Financial Health

Debt/Equity
MCY
0.24
V
0.55
Current Ratio
MCY
0.56
V
1.11
Quick Ratio
MCY
0.52
V
0.72

Dividends

Dividend Yield
MCY
1.33%
V
0.89%
Payout Ratio
MCY
13.0%
V
22.91%

AI Verdict

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)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

MCY vs V: Head-to-Head Comparison

This page compares Mercury General Corporation (MCY) and Visa Inc. (V) 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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