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Side-by-side financial comparison of MERCURY GENERAL CORP (MCY) and RXO, Inc. (RXO). Click either name above to swap in a different company.
MERCURY GENERAL CORP is the larger business by last-quarter revenue ($1.5B vs $1.5B, roughly 1.0× RXO, Inc.). MERCURY GENERAL CORP runs the higher net margin — 13.2% vs -3.1%, a 16.3% gap on every dollar of revenue. On growth, MERCURY GENERAL CORP posted the faster year-over-year revenue change (12.4% vs -11.9%). MERCURY GENERAL CORP produced more free cash flow last quarter ($273.9M vs $-9.0M). Over the past eight quarters, RXO, Inc.'s revenue compounded faster (26.8% 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.
RXO, Inc. is a leading transportation and logistics solutions provider headquartered in the United States. Its core service portfolio includes freight brokerage, last-mile delivery for heavy and bulky goods, managed transportation services, and end-to-end supply chain optimization support, primarily catering to clients across the North American manufacturing, retail, and e-commerce segments.
MCY vs RXO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.5B | $1.5B |
| Net Profit | $202.5M | $-46.0M |
| Gross Margin | 99.7% | — |
| Operating Margin | 16.2% | -2.9% |
| Net Margin | 13.2% | -3.1% |
| Revenue YoY | 12.4% | -11.9% |
| Net Profit YoY | 100.4% | -84.0% |
| EPS (diluted) | $3.66 | $-0.28 |
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 | $1.5B | $1.5B | ||
| Q3 25 | $1.6B | $1.4B | ||
| Q2 25 | $1.5B | $1.4B | ||
| Q1 25 | $1.4B | $1.4B | ||
| Q4 24 | $1.4B | $1.7B | ||
| Q3 24 | $1.5B | $1.0B | ||
| Q2 24 | $1.3B | $930.0M | ||
| Q1 24 | $1.3B | $913.0M |
| Q4 25 | $202.5M | $-46.0M | ||
| Q3 25 | $280.4M | $-14.0M | ||
| Q2 25 | $166.5M | $-9.0M | ||
| Q1 25 | $-108.3M | $-31.0M | ||
| Q4 24 | $101.1M | $-25.0M | ||
| Q3 24 | $230.9M | $-243.0M | ||
| Q2 24 | $62.6M | $-7.0M | ||
| Q1 24 | $73.5M | $-15.0M |
| Q4 25 | 99.7% | — | ||
| Q3 25 | 99.8% | — | ||
| Q2 25 | 99.8% | — | ||
| Q1 25 | 99.7% | — | ||
| Q4 24 | 99.7% | — | ||
| Q3 24 | 99.8% | — | ||
| Q2 24 | 99.8% | — | ||
| Q1 24 | 99.7% | — |
| Q4 25 | 16.2% | -2.9% | ||
| Q3 25 | 22.1% | -0.5% | ||
| Q2 25 | 14.0% | — | ||
| Q1 25 | -10.2% | -2.1% | ||
| Q4 24 | 9.0% | -1.4% | ||
| Q3 24 | 18.8% | -1.9% | ||
| Q2 24 | 5.8% | — | ||
| Q1 24 | 7.0% | -1.3% |
| Q4 25 | 13.2% | -3.1% | ||
| Q3 25 | 17.7% | -1.0% | ||
| Q2 25 | 11.3% | -0.6% | ||
| Q1 25 | -7.8% | -2.2% | ||
| Q4 24 | 7.4% | -1.5% | ||
| Q3 24 | 15.1% | -23.4% | ||
| Q2 24 | 4.8% | -0.8% | ||
| Q1 24 | 5.8% | -1.6% |
| Q4 25 | $3.66 | $-0.28 | ||
| Q3 25 | $5.06 | $-0.08 | ||
| Q2 25 | $3.01 | $-0.05 | ||
| Q1 25 | $-1.96 | $-0.18 | ||
| Q4 24 | $1.82 | $-0.17 | ||
| Q3 24 | $4.17 | $-1.81 | ||
| Q2 24 | $1.13 | $-0.06 | ||
| Q1 24 | $1.33 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $17.0M |
| Total DebtLower is stronger | $575.0M | $387.0M |
| Stockholders' EquityBook value | $2.4B | $1.5B |
| Total Assets | $9.6B | $3.3B |
| Debt / EquityLower = less leverage | 0.24× | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $17.0M | ||
| Q3 25 | — | $25.0M | ||
| Q2 25 | — | $18.0M | ||
| Q1 25 | — | $16.0M | ||
| Q4 24 | — | $35.0M | ||
| Q3 24 | — | $55.0M | ||
| Q2 24 | — | $7.0M | ||
| Q1 24 | — | $7.0M |
| Q4 25 | $575.0M | $387.0M | ||
| Q3 25 | — | $387.0M | ||
| Q2 25 | — | $387.0M | ||
| Q1 25 | — | $387.0M | ||
| Q4 24 | $575.0M | $351.0M | ||
| Q3 24 | — | $352.0M | ||
| Q2 24 | — | $370.0M | ||
| Q1 24 | — | $351.0M |
| Q4 25 | $2.4B | $1.5B | ||
| Q3 25 | $2.2B | $1.6B | ||
| Q2 25 | $2.0B | $1.6B | ||
| Q1 25 | $1.8B | $1.6B | ||
| Q4 24 | $1.9B | $1.6B | ||
| Q3 24 | $1.9B | $1.7B | ||
| Q2 24 | $1.6B | $579.0M | ||
| Q1 24 | $1.6B | $582.0M |
| Q4 25 | $9.6B | $3.3B | ||
| Q3 25 | $9.4B | $3.2B | ||
| Q2 25 | $9.1B | $3.2B | ||
| Q1 25 | $9.0B | $3.3B | ||
| Q4 24 | $8.3B | $3.4B | ||
| Q3 24 | $8.2B | $3.4B | ||
| Q2 24 | $7.7B | $1.8B | ||
| Q1 24 | $7.4B | $1.8B |
| Q4 25 | 0.24× | 0.25× | ||
| Q3 25 | — | 0.24× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | 0.30× | 0.22× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.60× |
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 | $287.9M | $7.0M |
| Free Cash FlowOCF − Capex | $273.9M | $-9.0M |
| FCF MarginFCF / Revenue | 17.8% | -0.6% |
| Capex IntensityCapex / Revenue | 0.9% | 1.1% |
| Cash ConversionOCF / Net Profit | 1.42× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.0B | $-8.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $287.9M | $7.0M | ||
| Q3 25 | $496.4M | $23.0M | ||
| Q2 25 | $371.6M | $23.0M | ||
| Q1 25 | $-68.7M | $-2.0M | ||
| Q4 24 | $248.3M | $-7.0M | ||
| Q3 24 | $318.1M | $-7.0M | ||
| Q2 24 | $278.0M | $-5.0M | ||
| Q1 24 | $192.6M | $7.0M |
| Q4 25 | $273.9M | $-9.0M | ||
| Q3 25 | $479.5M | $9.0M | ||
| Q2 25 | $357.2M | $9.0M | ||
| Q1 25 | $-81.9M | $-17.0M | ||
| Q4 24 | $236.0M | $-19.0M | ||
| Q3 24 | $306.2M | $-18.0M | ||
| Q2 24 | $266.5M | $-16.0M | ||
| Q1 24 | $182.4M | $-4.0M |
| Q4 25 | 17.8% | -0.6% | ||
| Q3 25 | 30.3% | 0.6% | ||
| Q2 25 | 24.2% | 0.6% | ||
| Q1 25 | -5.9% | -1.2% | ||
| Q4 24 | 17.3% | -1.1% | ||
| Q3 24 | 20.0% | -1.7% | ||
| Q2 24 | 20.4% | -1.7% | ||
| Q1 24 | 14.3% | -0.4% |
| Q4 25 | 0.9% | 1.1% | ||
| Q3 25 | 1.1% | 1.0% | ||
| Q2 25 | 1.0% | 1.0% | ||
| Q1 25 | 0.9% | 1.0% | ||
| Q4 24 | 0.9% | 0.7% | ||
| Q3 24 | 0.8% | 1.1% | ||
| Q2 24 | 0.9% | 1.2% | ||
| Q1 24 | 0.8% | 1.2% |
| Q4 25 | 1.42× | — | ||
| Q3 25 | 1.77× | — | ||
| Q2 25 | 2.23× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 2.46× | — | ||
| Q3 24 | 1.38× | — | ||
| Q2 24 | 4.44× | — | ||
| Q1 24 | 2.62× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MCY
Segment breakdown not available.
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
