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MERCURY GENERAL CORP（MCY）与WEIS MARKETS INC（WMK）财务数据对比。点击上方公司名可切换其他公司
MERCURY GENERAL CORP的季度营收约是WEIS MARKETS INC的1.2倍（$1.5B vs $1.3B），MERCURY GENERAL CORP净利率更高（13.2% vs 2.5%，领先10.7%），MERCURY GENERAL CORP同比增速更快（12.4% vs 5.0%），MERCURY GENERAL CORP自由现金流更多（$273.9M vs $36.4M），过去两年MERCURY GENERAL CORP的营收复合增速更高（9.8% vs 4.7%）
水星通用集团是一家综合性保险机构，业务覆盖个人车险、房主保险、租客保险及商业保险等多个品类，其中车险与房主保险是公司的核心经营板块。
魏斯市场（Weis Markets）是美国本土食品零售企业，总部位于宾夕法尼亚州森伯里。目前在宾夕法尼亚、马里兰、纽约、新泽西、西弗吉尼亚、弗吉尼亚、特拉华七个州运营200家门店，员工规模超2.3万人。
MCY vs WMK — 直观对比
营收规模更大
MCY
是对方的1.2倍
$1.3B
营收增速更快
MCY
高出7.4%
5.0%
净利率更高
MCY
高出10.7%
2.5%
自由现金流更多
MCY
多$237.4M
$36.4M
两年增速更快
MCY
近两年复合增速
4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.5B | $1.3B |
| 净利润 | $202.5M | $32.0M |
| 毛利率 | 99.7% | 25.3% |
| 营业利润率 | 16.2% | 3.2% |
| 净利率 | 13.2% | 2.5% |
| 营收同比 | 12.4% | 5.0% |
| 净利润同比 | 100.4% | -5.1% |
| 每股收益（稀释后） | $3.66 | $1.27 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收MCYWMK
| Q4 25 | $1.5B | $1.3B | ||
| Q3 25 | $1.6B | $1.2B | ||
| Q2 25 | $1.5B | $1.2B | ||
| Q1 25 | $1.4B | $1.2B | ||
| Q4 24 | $1.4B | $1.2B | ||
| Q3 24 | $1.5B | $1.2B | ||
| Q2 24 | $1.3B | $1.2B | ||
| Q1 24 | $1.3B | $1.2B |
净利润MCYWMK
| Q4 25 | $202.5M | $32.0M | ||
| Q3 25 | $280.4M | $16.9M | ||
| Q2 25 | $166.5M | $25.3M | ||
| Q1 25 | $-108.3M | $19.5M | ||
| Q4 24 | $101.1M | $33.7M | ||
| Q3 24 | $230.9M | $24.5M | ||
| Q2 24 | $62.6M | $25.4M | ||
| Q1 24 | $73.5M | $22.4M |
毛利率MCYWMK
| Q4 25 | 99.7% | 25.3% | ||
| Q3 25 | 99.8% | 24.7% | ||
| Q2 25 | 99.8% | 25.2% | ||
| Q1 25 | 99.7% | 24.8% | ||
| Q4 24 | 99.7% | 25.4% | ||
| Q3 24 | 99.8% | 24.6% | ||
| Q2 24 | 99.8% | 25.1% | ||
| Q1 24 | 99.7% | 24.9% |
营业利润率MCYWMK
| Q4 25 | 16.2% | 3.2% | ||
| Q3 25 | 22.1% | 1.7% | ||
| Q2 25 | 14.0% | 2.5% | ||
| Q1 25 | -10.2% | 1.8% | ||
| Q4 24 | 9.0% | 3.3% | ||
| Q3 24 | 18.8% | 2.3% | ||
| Q2 24 | 5.8% | 2.6% | ||
| Q1 24 | 7.0% | 2.2% |
净利率MCYWMK
| Q4 25 | 13.2% | 2.5% | ||
| Q3 25 | 17.7% | 1.4% | ||
| Q2 25 | 11.3% | 2.1% | ||
| Q1 25 | -7.8% | 1.6% | ||
| Q4 24 | 7.4% | 2.7% | ||
| Q3 24 | 15.1% | 2.1% | ||
| Q2 24 | 4.8% | 2.1% | ||
| Q1 24 | 5.8% | 1.9% |
每股收益（稀释后）MCYWMK
| Q4 25 | $3.66 | $1.27 | ||
| Q3 25 | $5.06 | $0.69 | ||
| Q2 25 | $3.01 | $0.96 | ||
| Q1 25 | $-1.96 | $0.73 | ||
| Q4 24 | $1.82 | $1.25 | ||
| Q3 24 | $4.17 | $0.91 | ||
| Q2 24 | $1.13 | $0.95 | ||
| Q1 24 | $1.33 | $0.83 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $214.2M |
| 总债务越低越好 | $575.0M | — |
| 股东权益账面价值 | $2.4B | $1.4B |
| 总资产 | $9.6B | $2.0B |
| 负债/权益比越低杠杆越低 | 0.24× | — |
8季度趋势，按日历期对齐
现金及短期投资MCYWMK
| Q4 25 | — | $214.2M | ||
| Q3 25 | — | $177.6M | ||
| Q2 25 | — | $188.8M | ||
| Q1 25 | — | $337.9M | ||
| Q4 24 | — | $382.3M | ||
| Q3 24 | — | $381.2M | ||
| Q2 24 | — | $398.7M | ||
| Q1 24 | — | $397.5M |
总债务MCYWMK
| Q4 25 | $575.0M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $575.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益MCYWMK
| Q4 25 | $2.4B | $1.4B | ||
| Q3 25 | $2.2B | $1.3B | ||
| Q2 25 | $2.0B | $1.3B | ||
| Q1 25 | $1.8B | $1.4B | ||
| Q4 24 | $1.9B | $1.4B | ||
| Q3 24 | $1.9B | $1.4B | ||
| Q2 24 | $1.6B | $1.4B | ||
| Q1 24 | $1.6B | $1.4B |
总资产MCYWMK
| Q4 25 | $9.6B | $2.0B | ||
| Q3 25 | $9.4B | $2.0B | ||
| Q2 25 | $9.1B | $1.9B | ||
| Q1 25 | $9.0B | $2.1B | ||
| Q4 24 | $8.3B | $2.1B | ||
| Q3 24 | $8.2B | $2.1B | ||
| Q2 24 | $7.7B | $2.1B | ||
| Q1 24 | $7.4B | $2.0B |
负债/权益比MCYWMK
| Q4 25 | 0.24× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.30× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $287.9M | $86.6M |
| 自由现金流经营现金流 - 资本支出 | $273.9M | $36.4M |
| 自由现金流率自由现金流/营收 | 17.8% | 2.8% |
| 资本支出强度资本支出/营收 | 0.9% | 3.9% |
| 现金转化率经营现金流/净利润 | 1.42× | 2.71× |
| 过去12个月自由现金流最近4个季度 | $1.0B | $4.8M |
8季度趋势，按日历期对齐
经营现金流MCYWMK
| Q4 25 | $287.9M | $86.6M | ||
| Q3 25 | $496.4M | $59.2M | ||
| Q2 25 | $371.6M | $56.6M | ||
| Q1 25 | $-68.7M | $4.9M | ||
| Q4 24 | $248.3M | $87.1M | ||
| Q3 24 | $318.1M | $25.8M | ||
| Q2 24 | $278.0M | $40.3M | ||
| Q1 24 | $192.6M | $34.2M |
自由现金流MCYWMK
| Q4 25 | $273.9M | $36.4M | ||
| Q3 25 | $479.5M | $-4.7M | ||
| Q2 25 | $357.2M | $1.4M | ||
| Q1 25 | $-81.9M | $-28.3M | ||
| Q4 24 | $236.0M | $33.7M | ||
| Q3 24 | $306.2M | $-16.5M | ||
| Q2 24 | $266.5M | $10.2M | ||
| Q1 24 | $182.4M | $-1.3M |
自由现金流率MCYWMK
| Q4 25 | 17.8% | 2.8% | ||
| Q3 25 | 30.3% | -0.4% | ||
| Q2 25 | 24.2% | 0.1% | ||
| Q1 25 | -5.9% | -2.4% | ||
| Q4 24 | 17.3% | 2.7% | ||
| Q3 24 | 20.0% | -1.4% | ||
| Q2 24 | 20.4% | 0.9% | ||
| Q1 24 | 14.3% | -0.1% |
资本支出强度MCYWMK
| Q4 25 | 0.9% | 3.9% | ||
| Q3 25 | 1.1% | 5.1% | ||
| Q2 25 | 1.0% | 4.5% | ||
| Q1 25 | 0.9% | 2.8% | ||
| Q4 24 | 0.9% | 4.3% | ||
| Q3 24 | 0.8% | 3.6% | ||
| Q2 24 | 0.9% | 2.5% | ||
| Q1 24 | 0.8% | 3.0% |
现金转化率MCYWMK
| Q4 25 | 1.42× | 2.71× | ||
| Q3 25 | 1.77× | 3.50× | ||
| Q2 25 | 2.23× | 2.24× | ||
| Q1 25 | — | 0.25× | ||
| Q4 24 | 2.46× | 2.59× | ||
| Q3 24 | 1.38× | 1.05× | ||
| Q2 24 | 4.44× | 1.58× | ||
| Q1 24 | 2.62× | 1.53× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
MCY
暂无分部数据
WMK
| Grocery | $1.0B | 80% |
| Pharmacy | $186.7M | 14% |
| Fuel Product | $66.5M | 5% |
| Services | $5.9M | 0% |
| Manufacturing | $2.2M | 0% |
