Mercury General (MCY) vs White Mountains Insurance Group (WTM)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Mercury General (MCY) has outperformed White Mountains Insurance Group (WTM) over the past year, gaining 19.5% versus a gain of 6.6%. Over five years, MCY leads with a +85.0% price change compared with +84.4% for WTM. On valuation, Mercury General trades at a lower forward P/E (8.4x vs 22.6x for White Mountains Insurance Group).
Mercury General offers the higher dividend yield (1.24% vs 0.05%). White Mountains Insurance Group converts more of its revenue into profit, with a net margin of 29.6% versus 9.0%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | MCY | WTM |
|---|---|---|
| Share price | $102.29 | $2,031.50 |
| Market cap | — | $4.85B |
| 1-day change | -0.69% | -0.28% |
| YTD return | +8.75% | -2.24% |
| 1-year return | +19.50% | +6.63% |
| 5-year return | +84.97% | +84.44% |
| P/E ratio (TTM) | 6.05 | 4.65 |
| Forward P/E | 8.35 | 22.57 |
| EPS (TTM) | $16.92 | $436.50 |
| Dividend yield | 1.24% | 0.05% |
| Annual dividend | $1.27 | $1.00 |
| Revenue (latest FY) | $5.99B | $3.73B |
| Revenue growth (YoY) | +9.44% | +66.76% |
| Net income (latest FY) | $541.09M | $1.11B |
| Gross margin | 99.75% | 95.94% |
| Net margin | 9.03% | 29.62% |
| 52-week high | $113.06 | $2,333.00 |
| 52-week low | $74.29 | $1,830.13 |
| Distance from 52-week high | -9.53% | -12.92% |
| Analyst consensus | none | — |
| Avg. price target upside | +17.31% | — |
| Average volume | 292.47K | 19.83K |
| Shares outstanding | — | 2.39M |
| Employees | 4,380 | 1,648 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- MCY has outperformed WTM by 12.9 percentage points over the past year.
- Mercury General trades at a higher earnings multiple (6.0x vs 4.7x trailing P/E).
- Mercury General offers a meaningfully higher dividend yield (1.24% vs 0.05%).
- White Mountains Insurance Group is more profitable, keeping 29.6 cents of every revenue dollar as net income versus 9.0 cents for Mercury General.
- White Mountains Insurance Group grew revenue faster in its latest fiscal year (+66.76% vs +9.44%).
About Mercury General
MCY stock →Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. It also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance products.
Finance · Property-Casualty Insurers · 4,380 employees
About White Mountains Insurance Group
WTM stock →White Mountains Insurance Group, Ltd. provides insurance services in the United States, the United Kingdom, Bermuda, and internationally.
Finance · Property-Casualty Insurers · 1,648 employees
MCY vs WTM FAQ
Which stock has performed better over the past year, MCY or WTM?
MCY returned +19.50% over the past 12 months, compared with +6.63% for WTM (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, MCY or WTM?
WTM has the lower trailing P/E at 4.7, versus 6.0 for MCY. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Mercury General or White Mountains Insurance Group?
Mercury General has the higher yield at 1.24%, compared with 0.05% for White Mountains Insurance Group.
Are Mercury General and White Mountains Insurance Group in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.