COMP <GO>
MCY vs RDN // EV/EBITDA & P/E VALUATION
Mercury General Corporation (NYSE) VS. Radian Group Inc. (NYSE) • 15-METRIC TALLY: MCY 4
— RDN 4
■ METRIC PARITY
LAST: $103.73 (+1.28%) • MKT CAP: $5.67B
valuation
—
LAST: $36.17 (+1.77%) • MKT CAP: $4.70B
valuation
8.1x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MCY VS. RDN)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | MCY | RDN | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 22.40% | 9.10% | +13.30 | MCY | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 8.1x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 19.12% | 1.40% | +17.72 | MCY | /fcf-yield <GO> |
| Operating Margin | — | 59.40% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 9.00% | 48.70% | -39.70 | RDN | /net-margins <GO> |
| Revenue Growth (YoY) | 9.40% | -0.80% | +10.20 | MCY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.24% | 3.08% | -1.84 | RDN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 6/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 49.7 | 56.7 | -7.00 | RDN | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.92 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.8x | 7.5x | +2.30 | RDN | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.67B | $4.70B | $970.9M | MCY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | MCY REV | RDN REV | MCY GROSS % | RDN GROSS % | MCY FCF | RDN FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $5.99B | $1.20B | — | — | $1.09B | $66.0M |
| FY 2024 | $5.48B | $1.21B | — | 96.8% | $1.04B | -$717.9M |
| FY 2023 | $4.63B | $1.18B | — | — | $453.0M | $476.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MCY // BETA —
RDN // BETA 0.92