(MTG) MGIC Investment - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US5528481030
Mortgage Insurance, Pool Insurance, Underwriting, Reinsurance
Dividends
| Dividend Yield | 2.00% |
| Yield on Cost 5y | 5.14% |
| Yield CAGR 5y | 19.54% |
| Payout Consistency | 60.6% |
| Payout Ratio | 18.0% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 22.1% |
| Value at Risk 5%th | 36.7% |
| Relative Tail Risk | 1.00% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.41 |
| Alpha | -1.42 |
| CAGR/Max DD | 2.25 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.506 |
| Beta | 0.697 |
| Beta Downside | 0.717 |
| Drawdowns 3y | |
|---|---|
| Max DD | 14.36% |
| Mean DD | 3.89% |
| Median DD | 3.08% |
Description: MTG MGIC Investment November 06, 2025
MGIC Investment Corp (NYSE:MTG) operates through subsidiaries that deliver private mortgage-insurance and related credit-risk services across the United States, D.C., Puerto Rico, and Guam. Its product suite includes primary insurance that covers borrower default, unpaid principal, delinquent interest and foreclosure-related costs, as well as pool insurance for secondary-market mortgage transactions, contract underwriting, and reinsurance services. The firm’s client base spans residential mortgage originators such as banks, credit unions, mortgage brokers, and mortgage bankers.
Key data points that augment the description: (1) MGIC holds roughly 20 % of the U.S. private mortgage-insurance market, making it the sector’s largest non-agency insurer; (2) In FY 2023 the company reported net income of $290 million and a combined ratio of 92 %, indicating underwriting profitability; (3) The business is highly sensitive to macro-drivers like the U.S. housing inventory, mortgage-rate trends, and delinquency rates-elevated rates can boost premium volume but also increase loss exposure.
For a data-driven, side-by-side comparison of MGIC’s valuation multiples, earnings trends, and risk metrics, the ValueRay platform provides a concise dashboard that can help you deepen your analysis.
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income (753.7m TTM) > 0 and > 6% of Revenue (6% = 73.0m TTM) |
| FCFTA 0.12 (>2.0%) and ΔFCFTA 1.23pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 10.87% (prev -12.04%; Δ 22.90pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.12 (>3.0%) and CFO 804.4m > Net Income 753.7m (YES >=105%, WARN >=100%) |
| Net Debt (-271.8m) to EBITDA (996.3m) ratio: -0.27 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.95 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (231.4m) change vs 12m ago -11.29% (target <= -2.0% for YES) |
| Gross Margin 97.20% (prev 78.99%; Δ 18.21pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 18.29% (prev 17.82%; Δ 0.46pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 27.70 (EBITDA TTM 996.3m / Interest Expense TTM 35.6m) >= 6 (WARN >= 3) |
Altman Z'' 5.18
| (A) 0.02 = (Total Current Assets 271.8m - Total Current Liabilities 139.6m) / Total Assets 6.63b |
| (B) 0.50 = Retained Earnings (Balance) 3.30b / Total Assets 6.63b |
| (C) 0.15 = EBIT TTM 986.1m / Avg Total Assets 6.65b |
| (D) 2.32 = Book Value of Equity 3.37b / Total Liabilities 1.45b |
| Total Rating: 5.18 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 86.35
| 1. Piotroski 8.0pt |
| 2. FCF Yield 11.56% |
| 3. FCF Margin 66.05% |
| 4. Debt/Equity 0.12 |
| 5. Debt/Ebitda -0.27 |
| 6. ROIC - WACC (= 5.90)% |
| 7. RoE 14.61% |
| 8. Rev. Trend 66.12% |
| 9. EPS Trend 46.29% |
What is the price of MTG shares?
As of December 07, 2025, the stock is trading at USD 27.99 with a total of 1,486,826 shares traded.
Over the past week, the price has changed by -1.27%, over one month by +0.25%, over three months by -0.91% and over the past year by +11.24%.
Over the past week, the price has changed by -1.27%, over one month by +0.25%, over three months by -0.91% and over the past year by +11.24%.
Is MTG a buy, sell or hold?
MGIC Investment has received a consensus analysts rating of 3.00.
Therefor, it is recommend to hold MTG.
- Strong Buy: 0
- Buy: 1
- Hold: 4
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the MTG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 27.7 | -1.1% |
| Analysts Target Price | 27.7 | -1.1% |
| ValueRay Target Price | 35.6 | 27.3% |
MTG Fundamental Data Overview December 03, 2025
Market Cap USD = 6.58b (6.58b USD * 1.0 USD.USD)
P/E Trailing = 9.1736
P/E Forward = 8.8652
P/S = 5.4067
P/B = 1.2263
P/EG = 1.54
Beta = 0.847
Revenue TTM = 1.22b USD
EBIT TTM = 986.1m USD
EBITDA TTM = 996.3m USD
Long Term Debt = 645.8m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 644.7m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -271.8m USD (from netDebt column, last quarter)
Enterprise Value = 6.95b USD (6.58b + Debt 644.7m - CCE 271.8m)
Interest Coverage Ratio = 27.70 (Ebit TTM 986.1m / Interest Expense TTM 35.6m)
FCF Yield = 11.56% (FCF TTM 803.5m / Enterprise Value 6.95b)
FCF Margin = 66.05% (FCF TTM 803.5m / Revenue TTM 1.22b)
Net Margin = 61.96% (Net Income TTM 753.7m / Revenue TTM 1.22b)
Gross Margin = 97.20% ((Revenue TTM 1.22b - Cost of Revenue TTM 34.1m) / Revenue TTM)
Gross Margin QoQ = 95.81% (prev 100.0%)
Tobins Q-Ratio = 1.05 (Enterprise Value 6.95b / Total Assets 6.63b)
Interest Expense / Debt = 1.38% (Interest Expense 8.91m / Debt 644.7m)
Taxrate = 18.70% (44.0m / 235.1m)
NOPAT = 801.7m (EBIT 986.1m * (1 - 18.70%))
Current Ratio = 1.95 (Total Current Assets 271.8m / Total Current Liabilities 139.6m)
Debt / Equity = 0.12 (Debt 644.7m / totalStockholderEquity, last quarter 5.17b)
Debt / EBITDA = -0.27 (Net Debt -271.8m / EBITDA 996.3m)
Debt / FCF = -0.34 (Net Debt -271.8m / FCF TTM 803.5m)
Total Stockholder Equity = 5.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 11.38% (Net Income 753.7m / Total Assets 6.63b)
RoE = 14.61% (Net Income TTM 753.7m / Total Stockholder Equity 5.16b)
RoCE = 16.99% (EBIT 986.1m / Capital Employed (Equity 5.16b + L.T.Debt 645.8m))
RoIC = 13.81% (NOPAT 801.7m / Invested Capital 5.81b)
WACC = 7.91% (E(6.58b)/V(7.22b) * Re(8.58%) + D(644.7m)/V(7.22b) * Rd(1.38%) * (1-Tc(0.19)))
Discount Rate = 8.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -8.93%
[DCF Debug] Terminal Value 77.25% ; FCFE base≈773.2m ; Y1≈819.8m ; Y5≈977.9m
Fair Price DCF = 69.20 (DCF Value 15.48b / Shares Outstanding 223.7m; 5y FCF grow 6.65% → 3.0% )
EPS Correlation: 46.29 | EPS CAGR: 8.56% | SUE: 3.30 | # QB: 6
Revenue Correlation: 66.12 | Revenue CAGR: 0.93% | SUE: -0.78 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.77 | Chg30d=+0.004 | Revisions Net=+2 | Analysts=4
EPS next Year (2026-12-31): EPS=3.14 | Chg30d=+0.045 | Revisions Net=+3 | Growth EPS=+0.0% | Growth Revenue=+3.1%
P/E Trailing = 9.1736
P/E Forward = 8.8652
P/S = 5.4067
P/B = 1.2263
P/EG = 1.54
Beta = 0.847
Revenue TTM = 1.22b USD
EBIT TTM = 986.1m USD
EBITDA TTM = 996.3m USD
Long Term Debt = 645.8m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 644.7m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -271.8m USD (from netDebt column, last quarter)
Enterprise Value = 6.95b USD (6.58b + Debt 644.7m - CCE 271.8m)
Interest Coverage Ratio = 27.70 (Ebit TTM 986.1m / Interest Expense TTM 35.6m)
FCF Yield = 11.56% (FCF TTM 803.5m / Enterprise Value 6.95b)
FCF Margin = 66.05% (FCF TTM 803.5m / Revenue TTM 1.22b)
Net Margin = 61.96% (Net Income TTM 753.7m / Revenue TTM 1.22b)
Gross Margin = 97.20% ((Revenue TTM 1.22b - Cost of Revenue TTM 34.1m) / Revenue TTM)
Gross Margin QoQ = 95.81% (prev 100.0%)
Tobins Q-Ratio = 1.05 (Enterprise Value 6.95b / Total Assets 6.63b)
Interest Expense / Debt = 1.38% (Interest Expense 8.91m / Debt 644.7m)
Taxrate = 18.70% (44.0m / 235.1m)
NOPAT = 801.7m (EBIT 986.1m * (1 - 18.70%))
Current Ratio = 1.95 (Total Current Assets 271.8m / Total Current Liabilities 139.6m)
Debt / Equity = 0.12 (Debt 644.7m / totalStockholderEquity, last quarter 5.17b)
Debt / EBITDA = -0.27 (Net Debt -271.8m / EBITDA 996.3m)
Debt / FCF = -0.34 (Net Debt -271.8m / FCF TTM 803.5m)
Total Stockholder Equity = 5.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 11.38% (Net Income 753.7m / Total Assets 6.63b)
RoE = 14.61% (Net Income TTM 753.7m / Total Stockholder Equity 5.16b)
RoCE = 16.99% (EBIT 986.1m / Capital Employed (Equity 5.16b + L.T.Debt 645.8m))
RoIC = 13.81% (NOPAT 801.7m / Invested Capital 5.81b)
WACC = 7.91% (E(6.58b)/V(7.22b) * Re(8.58%) + D(644.7m)/V(7.22b) * Rd(1.38%) * (1-Tc(0.19)))
Discount Rate = 8.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -8.93%
[DCF Debug] Terminal Value 77.25% ; FCFE base≈773.2m ; Y1≈819.8m ; Y5≈977.9m
Fair Price DCF = 69.20 (DCF Value 15.48b / Shares Outstanding 223.7m; 5y FCF grow 6.65% → 3.0% )
EPS Correlation: 46.29 | EPS CAGR: 8.56% | SUE: 3.30 | # QB: 6
Revenue Correlation: 66.12 | Revenue CAGR: 0.93% | SUE: -0.78 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.77 | Chg30d=+0.004 | Revisions Net=+2 | Analysts=4
EPS next Year (2026-12-31): EPS=3.14 | Chg30d=+0.045 | Revisions Net=+3 | Growth EPS=+0.0% | Growth Revenue=+3.1%
Additional Sources for MTG Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle