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MGIC

NYQ:MTG · US5528481030
InsuranceMedium

360

23
Medium confidence — indicative
Profit price81
Owner Earnings Yield57
Dividend Yield71
Price/Sales5
EV / Gross Profit54
Price/Book71
Returns on capital67
Profit margins98
Cash Conversion44
Accruals78
Owner Earnings Margin94
Sales growth22
Profit Growth55
Long-Term EPS Growth32
Owner Earnings Growth19
Reinvestment63
Price momentum51
Debt load73
Debt serviceability67
Liquidity73
Analyst ratings21
Opinion Changes50
Price Target Upside28
Market mood73
Value Creation12/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

MGIC clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUSA
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeNYSE
Employees704
Websitemgic.com
ISINUS5528481030
Last UpdateApr 2, 2026
Indices
S&P MIDCAP (USA)
Themes
InsurtechFinanceFinancial ServicesInsuranceReal Estate

Description

MGIC Investment Corporation, through its wholly-owned subsidiaries, provides private mortgage insurance, other mortgage credit risk management solutions, and ancillary services. 2026 Business Strategies The company’s business strategies are to maxi…

Analysis

Middle-of-the-road

MGIC Investment Corporation sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 7.4×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -7% a year, against analyst forecasts of 5%. The price, in other words, assumes less than the experts do.

Growth is tepid; the safety picture is adequate. The company scores 12/20 on our value-creation score: creating some value.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
87
2023202420252026

All-time high

100

Jan 2024

All-time low

65

Jan 2023

Average rank

83

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
5
3
7
13
Price/Earnings
75
73
77
82
Price/Book
71
62
66
60
Dividend Yield
71
52
54
65
Value (overall)
68
33
42
53

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →