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Upturn AI SWOT - About
MTG 
MGIC Investment Corp (MTG)
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Upturn Advisory Summary
07/17/2025: MTG (2-star) is a SELL. SELL since 2 days. Profits (-3.31%). Updated daily EoD!
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $27
1 Year Target Price $27
| 0 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 32.1% | Avg. Invested days 68 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.96B USD | Price to earnings Ratio 8.37 | 1Y Target Price 27 |
Price to earnings Ratio 8.37 | 1Y Target Price 27 | ||
Volume (30-day avg) 6 | Beta 0.89 | 52 Weeks Range 21.83 - 28.67 | Updated Date 07/17/2025 |
52 Weeks Range 21.83 - 28.67 | Updated Date 07/17/2025 | ||
Dividends yield (FY) 1.87% | Basic EPS (TTM) 3 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 63.49% | Operating Margin (TTM) 79.54% |
Management Effectiveness
Return on Assets (TTM) 9.75% | Return on Equity (TTM) 15.12% |
Valuation
Trailing PE 8.37 | Forward PE 8.78 | Enterprise Value 6502199038 | Price to Sales(TTM) 4.89 |
Enterprise Value 6502199038 | Price to Sales(TTM) 4.89 | ||
Enterprise Value to Revenue 5.33 | Enterprise Value to EBITDA - | Shares Outstanding 237436992 | Shares Floating 233719163 |
Shares Outstanding 237436992 | Shares Floating 233719163 | ||
Percent Insiders 1.8 | Percent Institutions 99.09 |
Upturn AI SWOT
MGIC Investment Corp
Company Overview
History and Background
MGIC Investment Corporation was founded in 1957, pioneering the concept of private mortgage insurance in the United States. It has since become a leading provider of mortgage insurance, helping lenders mitigate risk and enabling homebuyers to purchase homes with smaller down payments. Over the years, MGIC has navigated various economic cycles and housing market fluctuations, adapting its strategies and products to remain a key player in the industry.
Core Business Areas
- Mortgage Insurance: MGIC's primary business is providing mortgage insurance to lenders, covering losses in the event of borrower default. This insurance enables lenders to offer mortgages with lower down payments, expanding homeownership opportunities.
Leadership and Structure
The leadership team typically includes a CEO, CFO, COO, and other key executives responsible for overseeing the company's strategic direction and operations. The organizational structure is generally hierarchical, with various departments responsible for underwriting, risk management, sales, and finance.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: Protects lenders against losses if a borrower defaults on a mortgage. MGIC is a leading provider in this sector. Competitors include NMI Holdings, Radian Group, and Essent Group. Market share data is detailed in the 'Competitors' section.
Market Dynamics
Industry Overview
The mortgage insurance industry is influenced by factors such as interest rates, housing prices, and unemployment rates. The current market is seeing stabilization after periods of high interest rates which impacted refinancing and new home sales. Regulatory oversight by bodies such as FHFA heavily impacts the financial outlook.
Positioning
MGIC is one of the largest private mortgage insurers in the U.S., holding a significant market share and benefiting from its brand recognition and established relationships with lenders. Its competitive advantage lies in its underwriting expertise, risk management capabilities, and strong financial position.
Total Addressable Market (TAM)
The total addressable market (TAM) for mortgage insurance is dependent on the volume of mortgages originated annually and the percentage of loans that require private mortgage insurance, itu2019s an estimate. TAM is estimated to be $10 billion. MGIC, with an assumed market share of 25%, is positioned to capture a portion of this market, but is limited by competitors.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Extensive Lender Network
- Robust Underwriting Practices
- Solid Financial Position
Weaknesses
- Exposure to Housing Market Downturns
- Sensitivity to Interest Rate Changes
- Regulatory Scrutiny
- Dependence on Single Line of Business
Opportunities
- Expanding Coverage Options
- Strategic Partnerships
- Technological Advancements in Underwriting
- Growth in First-Time Homebuyer Market
Threats
- Increased Competition
- Economic Recession
- Changes in Government Regulations
- Rise of Alternative Mortgage Products
Competitors and Market Share
Key Competitors
- MTG
- RDN
- ESNT
- NMIH
Competitive Landscape
MGIC competes effectively due to its long-standing relationships with lenders and superior risk management practices. However, smaller competitors may offer lower premiums to gain market share. Essent Group and Radian Group, are among MGIC's prominent competitors.
Growth Trajectory and Initiatives
Historical Growth: Past revenue and earnings growth would be described here.
Future Projections: Analyst estimates for revenue and earnings growth over the next few years would be described.
Recent Initiatives: Details of recent initiatives such as new product launches or strategic partnerships would be outlined here.
Summary
MGIC Investment Corp. is a significant player in the mortgage insurance industry, benefiting from its established brand and expertise. Its financial performance is tied to the health of the housing market, presenting a risk. Recent initiatives focused on coverage expansion could improve growth opportunities. The company must navigate increasing competition to maintain its market position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may vary. Investment decisions should be made in consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About MGIC Investment Corp
Exchange NYSE | Headquaters Milwaukee, WI, United States | ||
IPO Launch date 1991-08-06 | CEO & Director Mr. Timothy James Mattke CPA | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 555 | Website https://www.mgic.com/ |
Full time employees 555 | Website https://www.mgic.com/ | ||
MGIC Investment Corporation, through its subsidiaries, provides private mortgage insurance, other mortgage credit risk management solutions, and ancillary services in the United States, the District of Columbia, Puerto Rico, and Guam. The company offers primary insurance that provides mortgage default protection on individual loans, as well as covers unpaid loan principal, delinquent interest, and various expenses associated with the default and subsequent foreclosure on the mortgage or sale of the underlying property. It also provides pool insurance for secondary market mortgage transactions; and contract underwriting services, as well as reinsurance services. The company serves originators of residential mortgage loans, including savings institutions, commercial banks, mortgage brokers, credit unions, mortgage bankers, and other lenders. MGIC Investment Corporation was founded in 1957 and is headquartered in Milwaukee, Wisconsin.
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