Profitability
Weight: 25%
D+
40
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 82.3%
- Loss Ratio Trend -1.48 pp/yr
MCY
Mercury General Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C-
49
- 5yr Avg ROE 6.1%
- 5yr Share-Count CAGR 0.0%
Growth Quality
Weight: 10%
A-
83
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 9.1%
- Loss Ratio Trend (growth quality check) -1.48 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
B+
78
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 1.7%
- Loss Ratio Stability (σ) 0.26
Balance Sheet
Weight: 25%
A+
93
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 2.28x
- Interest Coverage (EBIT/Int) 24.19x
Stability
Weight: 10%
C-
47
- EPS Volatility (σ/μ) 0.68
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 3 gurus held; 1 added; 2 full exits.
- Holders
- 1 -2
- Avg Δ position
- +8.0%
- New buys
- 0
- Full exits
- 2
- Laffont sold -100%
- Wood sold -100%
- Greenblatt increased +8%