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Side-by-side financial comparison of MERCURY GENERAL CORP (MCY) and SELECTIVE INSURANCE GROUP INC (SIGI). Click either name above to swap in a different company.
MERCURY GENERAL CORP is the larger business by last-quarter revenue ($1.5B vs $1.4B, roughly 1.1× SELECTIVE INSURANCE GROUP INC). MERCURY GENERAL CORP runs the higher net margin — 13.2% vs 7.2%, a 6.0% gap on every dollar of revenue. On growth, MERCURY GENERAL CORP posted the faster year-over-year revenue change (12.4% vs 5.7%). Over the past eight quarters, MERCURY GENERAL CORP's revenue compounded faster (9.8% CAGR vs 6.6%).
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.
Selective Insurance Group Inc. is a U.S.-based insurance holding company that provides a comprehensive portfolio of property and casualty insurance products, including personal auto, home insurance, commercial property, liability, and workers' compensation coverage. It primarily serves small and medium-sized businesses, individual consumers, and nonprofits across the U.S., distributing offerings via a network of independent insurance agents.
MCY vs SIGI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.5B | $1.4B |
| Net Profit | $202.5M | $97.7M |
| Gross Margin | 99.7% | — |
| Operating Margin | 16.2% | — |
| Net Margin | 13.2% | 7.2% |
| Revenue YoY | 12.4% | 5.7% |
| Net Profit YoY | 100.4% | -37.0% |
| EPS (diluted) | $3.66 | $1.58 |
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.
| Q1 26 | — | $1.4B | ||
| Q4 25 | $1.5B | $1.4B | ||
| Q3 25 | $1.6B | $1.4B | ||
| Q2 25 | $1.5B | $1.3B | ||
| Q1 25 | $1.4B | $1.3B | ||
| Q4 24 | $1.4B | $1.3B | ||
| Q3 24 | $1.5B | $1.2B | ||
| Q2 24 | $1.3B | $1.2B |
| Q1 26 | — | $97.7M | ||
| Q4 25 | $202.5M | $155.2M | ||
| Q3 25 | $280.4M | $115.3M | ||
| Q2 25 | $166.5M | $85.9M | ||
| Q1 25 | $-108.3M | $109.9M | ||
| Q4 24 | $101.1M | $95.5M | ||
| Q3 24 | $230.9M | $92.3M | ||
| Q2 24 | $62.6M | $-63.3M |
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| Q4 25 | 16.2% | 14.4% | ||
| Q3 25 | 22.1% | 10.7% | ||
| Q2 25 | 14.0% | 8.2% | ||
| Q1 25 | -10.2% | 10.8% | ||
| Q4 24 | 9.0% | 9.5% | ||
| Q3 24 | 18.8% | 9.4% | ||
| Q2 24 | 5.8% | -6.7% |
| Q1 26 | — | 7.2% | ||
| Q4 25 | 13.2% | 11.4% | ||
| Q3 25 | 17.7% | 8.5% | ||
| Q2 25 | 11.3% | 6.5% | ||
| Q1 25 | -7.8% | 8.6% | ||
| Q4 24 | 7.4% | 7.6% | ||
| Q3 24 | 15.1% | 7.4% | ||
| Q2 24 | 4.8% | -5.3% |
| Q1 26 | — | $1.58 | ||
| Q4 25 | $3.66 | $2.52 | ||
| Q3 25 | $5.06 | $1.85 | ||
| Q2 25 | $3.01 | $1.36 | ||
| Q1 25 | $-1.96 | $1.76 | ||
| Q4 24 | $1.82 | $1.53 | ||
| Q3 24 | $4.17 | $1.47 | ||
| Q2 24 | $1.13 | $-1.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $451.8M |
| Total DebtLower is stronger | $575.0M | $901.4M |
| Stockholders' EquityBook value | $2.4B | $3.6B |
| Total Assets | $9.6B | $15.3B |
| Debt / EquityLower = less leverage | 0.24× | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $451.8M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $901.4M | ||
| Q4 25 | $575.0M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $575.0M | $507.9M | ||
| Q3 24 | — | $508.2M | ||
| Q2 24 | — | $508.8M |
| Q1 26 | — | $3.6B | ||
| Q4 25 | $2.4B | $3.6B | ||
| Q3 25 | $2.2B | $3.5B | ||
| Q2 25 | $2.0B | $3.4B | ||
| Q1 25 | $1.8B | $3.3B | ||
| Q4 24 | $1.9B | $3.1B | ||
| Q3 24 | $1.9B | $3.2B | ||
| Q2 24 | $1.6B | $2.9B |
| Q1 26 | — | $15.3B | ||
| Q4 25 | $9.6B | $15.2B | ||
| Q3 25 | $9.4B | $15.0B | ||
| Q2 25 | $9.1B | $14.5B | ||
| Q1 25 | $9.0B | $14.2B | ||
| Q4 24 | $8.3B | $13.5B | ||
| Q3 24 | $8.2B | $13.5B | ||
| Q2 24 | $7.7B | $12.6B |
| Q1 26 | — | 0.25× | ||
| Q4 25 | 0.24× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.30× | 0.16× | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.17× |
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 | — |
| Free Cash FlowOCF − Capex | $273.9M | — |
| FCF MarginFCF / Revenue | 17.8% | — |
| Capex IntensityCapex / Revenue | 0.9% | — |
| Cash ConversionOCF / Net Profit | 1.42× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.0B | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $287.9M | $376.3M | ||
| Q3 25 | $496.4M | $405.8M | ||
| Q2 25 | $371.6M | $166.9M | ||
| Q1 25 | $-68.7M | $284.0M | ||
| Q4 24 | $248.3M | $332.2M | ||
| Q3 24 | $318.1M | $387.4M | ||
| Q2 24 | $278.0M | $266.1M |
| Q1 26 | — | — | ||
| Q4 25 | $273.9M | $366.3M | ||
| Q3 25 | $479.5M | $397.3M | ||
| Q2 25 | $357.2M | $159.7M | ||
| Q1 25 | $-81.9M | $271.0M | ||
| Q4 24 | $236.0M | $324.7M | ||
| Q3 24 | $306.2M | $378.0M | ||
| Q2 24 | $266.5M | $258.4M |
| Q1 26 | — | — | ||
| Q4 25 | 17.8% | 26.8% | ||
| Q3 25 | 30.3% | 29.2% | ||
| Q2 25 | 24.2% | 12.0% | ||
| Q1 25 | -5.9% | 21.1% | ||
| Q4 24 | 17.3% | 25.8% | ||
| Q3 24 | 20.0% | 30.4% | ||
| Q2 24 | 20.4% | 21.6% |
| Q1 26 | — | — | ||
| Q4 25 | 0.9% | 0.7% | ||
| Q3 25 | 1.1% | 0.6% | ||
| Q2 25 | 1.0% | 0.5% | ||
| Q1 25 | 0.9% | 1.0% | ||
| Q4 24 | 0.9% | 0.6% | ||
| Q3 24 | 0.8% | 0.8% | ||
| Q2 24 | 0.9% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 1.42× | 2.42× | ||
| Q3 25 | 1.77× | 3.52× | ||
| Q2 25 | 2.23× | 1.94× | ||
| Q1 25 | — | 2.58× | ||
| Q4 24 | 2.46× | 3.48× | ||
| Q3 24 | 1.38× | 4.20× | ||
| Q2 24 | 4.44× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
