COMP <GO>
MCY vs ESNT // FREE CASH FLOW YIELD
Mercury General Corporation (NYSE) VS. Essent Group Ltd. (NYSE) • 15-METRIC TALLY: MCY 3
— ESNT 6
▲ FREE CASH FLOW YIELD LEADER: MCY
LAST: $103.73 (+1.28%) • MKT CAP: $5.67B
fcf-yield
19.12%
LAST: $68.24 (+1.82%) • MKT CAP: $6.02B
fcf-yield
13.97%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MCY VS. ESNT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | MCY | ESNT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 22.40% | 11.90% | +10.50 | MCY | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 6.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 19.12% | 13.97% | +5.15 | MCY | /fcf-yield <GO> |
| Operating Margin | — | 66.80% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 9.00% | 54.70% | -45.70 | ESNT | /net-margins <GO> |
| Revenue Growth (YoY) | 9.40% | 1.50% | +7.90 | MCY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.24% | 2.01% | -0.77 | ESNT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | ESNT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 49.7 | 57.0 | -7.30 | ESNT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.96 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.8x | 8.2x | +1.60 | ESNT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.67B | $6.02B | -$350.6M | ESNT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | MCY REV | ESNT REV | MCY GROSS % | ESNT GROSS % | MCY FCF | ESNT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $5.99B | $1.26B | — | — | $1.09B | $848.7M |
| FY 2024 | $5.48B | $1.24B | — | — | $1.04B | $854.8M |
| FY 2023 | $4.63B | $1.11B | — | — | $453.0M | $713.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MCY // BETA —
ESNT // BETA 0.96