Profitability
Weight: 25%
A+
97
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.8%
- Operating Margin Trend +3.61 pp/yr
MCY
Mercury General Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C+
59
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 8.4%
- 5yr Share-Count CAGR 0.0%
Growth Quality
Weight: 10%
A+
94
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 11.3%
- 5yr EPS CAGR 21.5%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 2.74x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 25.3%
- Interest Coverage (EBIT/Int) 24.19x
Stability
Weight: 10%
D+
44
- EPS Volatility (σ/μ) 0.68
- Piotroski F-Score 5
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 new buy; 1 added; 1 trimmed.
- Holders
- 3 +1
- Avg Δ position
- +38.2%
- New buys
- 1
- Full exits
- 0
- Laffont new
- Greenblatt increased +104%
- Wood decreased -28%