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MTG 
MGIC Investment Corp (MTG)
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Upturn Advisory Summary
11/04/2025: MTG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $27.67
1 Year Target Price $27.67
| 0 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.28% | Avg. Invested days 64 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.28B USD | Price to earnings Ratio 9.03 | 1Y Target Price 27.67 |
Price to earnings Ratio 9.03 | 1Y Target Price 27.67 | ||
Volume (30-day avg) 6 | Beta 0.85 | 52 Weeks Range 21.71 - 29.01 | Updated Date 11/5/2025 |
52 Weeks Range 21.71 - 29.01 | Updated Date 11/5/2025 | ||
Dividends yield (FY) 1.95% | Basic EPS (TTM) 3.11 |
Earnings Date
Report Date 2025-11-03 | When After Market | Estimate 0.74 | Actual 0.83 |
Profitability
Profit Margin 61.96% | Operating Margin (TTM) 80.12% |
Management Effectiveness
Return on Assets (TTM) 9.27% | Return on Equity (TTM) 14.4% |
Valuation
Trailing PE 9.03 | Forward PE 8.81 | Enterprise Value 6747544666 | Price to Sales(TTM) 5.16 |
Enterprise Value 6747544666 | Price to Sales(TTM) 5.16 | ||
Enterprise Value to Revenue 5.54 | Enterprise Value to EBITDA - | Shares Outstanding 223740981 | Shares Floating 220042543 |
Shares Outstanding 223740981 | Shares Floating 220042543 | ||
Percent Insiders 1.72 | Percent Institutions 105.61 |
Upturn AI SWOT
MGIC Investment Corp
Company Overview
History and Background
MGIC Investment Corp 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, playing a crucial role in the housing market by enabling lenders to offer mortgages with lower down payments.
Core Business Areas
- U.S. Mortgage Insurance: Provides primary mortgage insurance to lenders, covering losses from borrower defaults. It also offers contract underwriting services and other risk management products.
- Other: Includes investment income from MGIC's investment portfolio and other ancillary activities.
Leadership and Structure
The leadership team consists of the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and other executive officers responsible for various aspects of the business. MGIC has a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: MGIC's core product, providing lenders with coverage against losses on mortgages due to borrower default. Market share is estimated at around 25%. Competitors include RDN, NMIH, and ESSENT. Revenue from this product constitutes the vast majority of the company's insurance premium revenue.
- Contract Underwriting: Provides underwriting services to lenders, helping them assess the risk of mortgage loans. The market share is smaller compared to mortgage insurance. Competitors include various third-party underwriting firms.
Market Dynamics
Industry Overview
The mortgage insurance industry is highly cyclical, influenced by interest rates, housing prices, and the overall economy. It is also regulated by state and federal authorities.
Positioning
MGIC is a leading private mortgage insurer in the U.S., competing with a handful of other large players. Its competitive advantages include its long history, strong brand recognition, and large capital base.
Total Addressable Market (TAM)
The TAM for mortgage insurance fluctuates with mortgage origination volume, estimated in the hundreds of billions annually. MGIC is positioned to capture a significant share through its partnerships with major lenders.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large capital base
- Established relationships with lenders
- Experienced management team
Weaknesses
- Exposure to cyclical housing market
- Dependence on interest rates
- Regulatory scrutiny
- Susceptibility to economic downturns
Opportunities
- Growing demand for low-down-payment mortgages
- Expansion into new markets
- Development of new products
- Technological innovation to improve efficiency
Threats
- Increased competition
- Changes in government regulations
- Economic recession
- Rising interest rates
Competitors and Market Share
Key Competitors
- RDN
- NMIH
- ESNT
Competitive Landscape
MGIC competes with other mortgage insurance companies primarily on price, service, and financial strength. MGIC has a strong reputation and a large market share, but faces increasing competition from smaller, more aggressive players.
Growth Trajectory and Initiatives
Historical Growth: MGIC has experienced moderate growth in recent years, driven by increased mortgage originations and favorable economic conditions.
Future Projections: Analysts project continued growth for MGIC, driven by demographic trends and increasing demand for housing. Growth rate [5,5.5,6] %
Recent Initiatives: Recent initiatives include investments in technology to improve underwriting efficiency and expansion into new markets, as well as strategic re-insurance to mitigate risk.
Summary
MGIC Investment Corp is a leading mortgage insurer with a solid financial position and experienced leadership. Its performance is closely tied to the housing market, making it susceptible to economic cycles. The company's strengths lie in its established relationships with lenders and large capital base, while potential threats include increased competition and regulatory changes. Continued investments in technology and strategic expansion could help MGIC maintain its competitive edge and drive future growth.
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Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Industry Publications
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market data and analyst projections are subject to change and may not be accurate.
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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