vs
Side-by-side financial comparison of Everus Construction Group, Inc. (ECG) and MERCURY GENERAL CORP (MCY). Click either name above to swap in a different company.
MERCURY GENERAL CORP is the larger business by last-quarter revenue ($1.5B vs $1.0B, roughly 1.5× Everus Construction Group, Inc.). MERCURY GENERAL CORP runs the higher net margin — 13.2% vs 5.5%, a 7.7% gap on every dollar of revenue. On growth, Everus Construction Group, Inc. posted the faster year-over-year revenue change (33.2% vs 12.4%). MERCURY GENERAL CORP produced more free cash flow last quarter ($273.9M vs $23.5M). Over the past eight quarters, Everus Construction Group, Inc.'s revenue compounded faster (27.1% CAGR vs 9.8%).
Mercury General Corporation is a multiple-line insurance organization that offers personal automobiles, homeowners, renters, and business insurance. Mercury's primary focus is automobiles and homeowners' insurance.
ECG vs MCY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.0B | $1.5B |
| Net Profit | $55.3M | $202.5M |
| Gross Margin | 11.6% | 99.7% |
| Operating Margin | 6.8% | 16.2% |
| Net Margin | 5.5% | 13.2% |
| Revenue YoY | 33.2% | 12.4% |
| Net Profit YoY | 60.4% | 100.4% |
| EPS (diluted) | $1.09 | $3.66 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $1.0B | $1.5B | ||
| Q3 25 | $986.8M | $1.6B | ||
| Q2 25 | $921.5M | $1.5B | ||
| Q1 25 | $826.6M | $1.4B | ||
| Q4 24 | $759.6M | $1.4B | ||
| Q3 24 | $761.0M | $1.5B | ||
| Q2 24 | $703.4M | $1.3B | ||
| Q1 24 | $625.7M | $1.3B |
| Q4 25 | $55.3M | $202.5M | ||
| Q3 25 | $57.0M | $280.4M | ||
| Q2 25 | $52.8M | $166.5M | ||
| Q1 25 | $36.7M | $-108.3M | ||
| Q4 24 | $34.5M | $101.1M | ||
| Q3 24 | $41.8M | $230.9M | ||
| Q2 24 | $39.0M | $62.6M | ||
| Q1 24 | $28.2M | $73.5M |
| Q4 25 | 11.6% | 99.7% | ||
| Q3 25 | 12.6% | 99.8% | ||
| Q2 25 | 13.0% | 99.8% | ||
| Q1 25 | 11.2% | 99.7% | ||
| Q4 24 | 11.4% | 99.7% | ||
| Q3 24 | 11.8% | 99.8% | ||
| Q2 24 | 12.6% | 99.8% | ||
| Q1 24 | 11.9% | 99.7% |
| Q4 25 | 6.8% | 16.2% | ||
| Q3 25 | 7.3% | 22.1% | ||
| Q2 25 | 7.9% | 14.0% | ||
| Q1 25 | 6.2% | -10.2% | ||
| Q4 24 | 6.1% | 9.0% | ||
| Q3 24 | 7.1% | 18.8% | ||
| Q2 24 | 7.3% | 5.8% | ||
| Q1 24 | 6.2% | 7.0% |
| Q4 25 | 5.5% | 13.2% | ||
| Q3 25 | 5.8% | 17.7% | ||
| Q2 25 | 5.7% | 11.3% | ||
| Q1 25 | 4.4% | -7.8% | ||
| Q4 24 | 4.5% | 7.4% | ||
| Q3 24 | 5.5% | 15.1% | ||
| Q2 24 | 5.5% | 4.8% | ||
| Q1 24 | 4.5% | 5.8% |
| Q4 25 | $1.09 | $3.66 | ||
| Q3 25 | $1.11 | $5.06 | ||
| Q2 25 | $1.03 | $3.01 | ||
| Q1 25 | $0.72 | $-1.96 | ||
| Q4 24 | $0.68 | $1.82 | ||
| Q3 24 | $0.82 | $4.17 | ||
| Q2 24 | $0.76 | $1.13 | ||
| Q1 24 | $0.55 | $1.33 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | $281.5M | $575.0M |
| Stockholders' EquityBook value | $629.8M | $2.4B |
| Total Assets | $1.7B | $9.6B |
| Debt / EquityLower = less leverage | 0.45× | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $553.0K | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $281.5M | $575.0M | ||
| Q3 25 | $285.1M | — | ||
| Q2 25 | $288.6M | — | ||
| Q1 25 | $292.1M | — | ||
| Q4 24 | $295.6M | $575.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $629.8M | $2.4B | ||
| Q3 25 | $573.0M | $2.2B | ||
| Q2 25 | $514.4M | $2.0B | ||
| Q1 25 | $460.2M | $1.8B | ||
| Q4 24 | $422.6M | $1.9B | ||
| Q3 24 | $453.3M | $1.9B | ||
| Q2 24 | $490.0M | $1.6B | ||
| Q1 24 | $464.3M | $1.6B |
| Q4 25 | $1.7B | $9.6B | ||
| Q3 25 | $1.6B | $9.4B | ||
| Q2 25 | $1.5B | $9.1B | ||
| Q1 25 | $1.4B | $9.0B | ||
| Q4 24 | $1.3B | $8.3B | ||
| Q3 24 | $1.3B | $8.2B | ||
| Q2 24 | — | $7.7B | ||
| Q1 24 | — | $7.4B |
| Q4 25 | 0.45× | 0.24× | ||
| Q3 25 | 0.50× | — | ||
| Q2 25 | 0.56× | — | ||
| Q1 25 | 0.63× | — | ||
| Q4 24 | 0.70× | 0.30× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $48.2M | $287.9M |
| Free Cash FlowOCF − Capex | $23.5M | $273.9M |
| FCF MarginFCF / Revenue | 2.3% | 17.8% |
| Capex IntensityCapex / Revenue | 2.4% | 0.9% |
| Cash ConversionOCF / Net Profit | 0.87× | 1.42× |
| TTM Free Cash FlowTrailing 4 quarters | $90.0M | $1.0B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $48.2M | $287.9M | ||
| Q3 25 | $76.2M | $496.4M | ||
| Q2 25 | $25.3M | $371.6M | ||
| Q1 25 | $7.1M | $-68.7M | ||
| Q4 24 | — | $248.3M | ||
| Q3 24 | $78.9M | $318.1M | ||
| Q2 24 | — | $278.0M | ||
| Q1 24 | $21.9M | $192.6M |
| Q4 25 | $23.5M | $273.9M | ||
| Q3 25 | $65.7M | $479.5M | ||
| Q2 25 | $12.3M | $357.2M | ||
| Q1 25 | $-11.4M | $-81.9M | ||
| Q4 24 | — | $236.0M | ||
| Q3 24 | $60.9M | $306.2M | ||
| Q2 24 | — | $266.5M | ||
| Q1 24 | $12.6M | $182.4M |
| Q4 25 | 2.3% | 17.8% | ||
| Q3 25 | 6.7% | 30.3% | ||
| Q2 25 | 1.3% | 24.2% | ||
| Q1 25 | -1.4% | -5.9% | ||
| Q4 24 | — | 17.3% | ||
| Q3 24 | 8.0% | 20.0% | ||
| Q2 24 | — | 20.4% | ||
| Q1 24 | 2.0% | 14.3% |
| Q4 25 | 2.4% | 0.9% | ||
| Q3 25 | 1.1% | 1.1% | ||
| Q2 25 | 1.4% | 1.0% | ||
| Q1 25 | 2.2% | 0.9% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | 2.4% | 0.8% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | 1.5% | 0.8% |
| Q4 25 | 0.87× | 1.42× | ||
| Q3 25 | 1.34× | 1.77× | ||
| Q2 25 | 0.48× | 2.23× | ||
| Q1 25 | 0.19× | — | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | 1.89× | 1.38× | ||
| Q2 24 | — | 4.44× | ||
| Q1 24 | 0.77× | 2.62× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECG
| Commercial | $594.5M | 59% |
| Utility | $203.5M | 20% |
| Industrial | $82.8M | 8% |
| Institutional | $66.1M | 7% |
| Service And Other | $28.4M | 3% |
| Transportation | $24.2M | 2% |
| Renewables | $19.8M | 2% |
MCY
Segment breakdown not available.
