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Market Cap 1 P/E(ttm)
Enterprise Value 1 P/B
TGIC- OTCPK (USA)
Triad Guaranty Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$0.07
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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength

vs
industry		 vs
history
Cash to Debt No Debt
TGIC's Cash to Debt is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.34 vs. TGIC: No Debt )
TGIC' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: No Debt
Equity to Asset -0.785
TGIC's Equity to Asset is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.22 vs. TGIC: -0.785 )
TGIC' s 10-Year Equity to Asset Range
Min: -0.79   Max: 0.67
Current: -0.79
-0.79
0.67
F-Score: 2
Z-Score: -2.1
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth

vs
industry		 vs
history
Operating margin (%) -52.00
TGIC's Operating margin (%) is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 12.30 vs. TGIC: -52.00 )
TGIC' s 10-Year Operating margin (%) Range
Min: -279   Max: 52.5
Current: -52
-279
52.5
Net-margin (%) -52
TGIC's Net-margin (%) is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.80 vs. TGIC: -52 )
TGIC' s 10-Year Net-margin (%) Range
Min: -250.5   Max: 51.9
Current: -52
-250.5
51.9
ROA (%) -12
TGIC's ROA (%) is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 2.40 vs. TGIC: -12 )
TGIC' s 10-Year ROA (%) Range
Min: -55.8   Max: 13.3
Current: -12
-55.8
13.3
Revenue Growth (%) -6.9
TGIC's Revenue Growth (%) is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 3.90 vs. TGIC: -6.9 )
TGIC' s 10-Year Revenue Growth (%) Range
Min: -6.9   Max: 17.3
Current: -6.9
-6.9
17.3
EBITDA Growth (%) -38.9
TGIC's EBITDA Growth (%) is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 29.35 vs. TGIC: -38.9 )
TGIC' s 10-Year EBITDA Growth (%) Range
Min: -38.9   Max: 62.4
Current: -38.9
-38.9
62.4
EPS Growth (%) -36
TGIC's EPS Growth (%) is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.90 vs. TGIC: -36 )
TGIC' s 10-Year EPS Growth (%) Range
Min: -36   Max: 13.8
Current: -36
-36
13.8
» TGIC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry		 vs
history
P/S 0.01
TGIC's P/S is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.06 vs. TGIC: 0.01 )
TGIC' s 10-Year P/S Range
Min: 0.01   Max: 6.61
Current: 0.01
0.01
6.61
EV-to-EBIT 9.1
TGIC's EV-to-EBIT is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.60 vs. TGIC: 9.1 )
TGIC' s 10-Year EV-to-EBIT Range
Min: 3.2   Max: 42.9
Current: 9.1
3.2
42.9

Valuation & Return

vs
industry		 vs
history
Forward Rate of Return (Yacktman) 4020
TGIC's Forward Rate of Return (Yacktman) is ranked higher than
100% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.88 vs. TGIC: 4020 )
TGIC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 28.9   Max: 3189.3
Current: 4020
28.9
3189.3

Business Description

Triad Guaranty Inc. was incorporated in 1993 in the state of Delaware. The company is a holding company which, through its wholly-owned subsidiary, Triad Guaranty Insurance Corporation ('TGIC'), is a nationwide mortgage insurer pursuing a run-off of its existing in-force book of business. The term 'run-off' means continuing to service existing mortgage guaranty insurance policies but not writing any new policies. Mortgage guaranty insurance is issued in many home purchases and refinances transactions involving conventional residential first mortgage loans to borrowers with equity of less than 20%. If the homeowner defaults on the mortgage, mortgage guaranty insurance reduces, and in some instances eliminates, any loss to the insured lender. Mortgage guaranty insurance also facilitates the sale of low down payment mortgage loans in the secondary mortgage market, with the largest percentage of sales being made to the Federal National Mortgage Association ('Fannie Mae') and the Federal Home Loan Mortgage Corporation ('Freddie Mac'), which are collectively referred to as government-sponsored entities or GSEs.
Company Website
SEC Reports
Industry: Insurance - Specialty
Compare:SAXPY, MSADY, FNF, AGO, LCSHF
» More Articles for TGIC

Headlines

Articles On GuruFocus.com
Triad Guaranty Inc. Reports Operating Results (10-Q) Nov 10 2009 
Third Avenue Management Buys MGIC Investment Corp., Haynes International Inc., Imation Corp., Sells Feb 21 2008 

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