COMP <GO>
WTM vs MCY // ALTMAN Z-SCORE & DEBT/EQUITY
White Mountains Insurance Group Ltd. (NYSE) VS. Mercury General Corporation (NYSE) • 15-METRIC TALLY: WTM 5
— MCY 4
■ METRIC PARITY
LAST: $2,317.42 (+2.09%) • MKT CAP: $5.42B
balance-sheet
—
LAST: $103.73 (+1.28%) • MKT CAP: $5.67B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WTM VS. MCY)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WTM | MCY | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 16.40% | 22.40% | -6.00 | MCY | /roic <GO> |
| EV/EBITDA & P/E Valuation | 4.3x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.14% | 19.12% | -11.98 | MCY | /fcf-yield <GO> |
| Operating Margin | 36.10% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 29.60% | 9.00% | +20.60 | WTM | /net-margins <GO> |
| Revenue Growth (YoY) | 66.80% | 9.40% | +57.40 | WTM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.05% | 1.24% | -1.19 | MCY | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 6/9 | +2.00 | WTM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 71.9 | 49.7 | +22.20 | WTM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.06 | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 4.2x | 9.8x | -5.60 | WTM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.42B | $5.67B | -$255.1M | MCY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WTM REV | MCY REV | WTM GROSS % | MCY GROSS % | WTM FCF | MCY FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.73B | $5.99B | 95.9% | — | $382.4M | $1.09B |
| FY 2024 | $2.24B | $5.48B | 98.7% | — | $486.0M | $1.04B |
| FY 2023 | $2.17B | $4.63B | — | — | $306.6M | $453.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WTM // BETA 1.06
MCY // BETA —