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Also traded in: Germany, Mexico

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.12
MTG's Cash-to-Debt is ranked lower than
93% of the 71 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 5.79 vs. MTG: 0.12 )
Ranked among companies with meaningful Cash-to-Debt only.
MTG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.26 Max: No Debt
Current: 0.12
0
No Debt
Equity-to-Asset 0.56
MTG's Equity-to-Asset is ranked higher than
90% of the 72 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.29 vs. MTG: 0.56 )
Ranked among companies with meaningful Equity-to-Asset only.
MTG' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.56 Max: 0.67
Current: 0.56
0.04
0.67
Debt-to-Equity 0.27
MTG's Debt-to-Equity is ranked lower than
72% of the 39 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.20 vs. MTG: 0.27 )
Ranked among companies with meaningful Debt-to-Equity only.
MTG' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12  Med: 0.38 Max: 4.19
Current: 0.27
0.12
4.19
Debt-to-EBITDA 0.93
MTG's Debt-to-EBITDA is ranked higher than
65% of the 37 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.18 vs. MTG: 0.93 )
Ranked among companies with meaningful Debt-to-EBITDA only.
MTG' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -5.19  Med: -0.39 Max: 12.83
Current: 0.93
-5.19
12.83
Interest Coverage 13.75
MTG's Interest Coverage is ranked lower than
69% of the 62 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9999.00 vs. MTG: 13.75 )
Ranked among companies with meaningful Interest Coverage only.
MTG' s Interest Coverage Range Over the Past 10 Years
Min: 3.66  Med: 7.07 Max: 13.75
Current: 13.75
3.66
13.75
WACC vs ROIC
11.38%
9.66%
WACC
ROIC
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 : 1/10

vs
industry
vs
history
Operating Margin % 73.59
MTG's Operating Margin % is ranked higher than
97% of the 72 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 6.95 vs. MTG: 73.59 )
Ranked among companies with meaningful Operating Margin % only.
MTG' s Operating Margin % Range Over the Past 10 Years
Min: -131.98  Med: -27.92 Max: 73.59
Current: 73.59
-131.98
73.59
Net Margin % 33.37
MTG's Net Margin % is ranked higher than
94% of the 72 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 6.60 vs. MTG: 33.37 )
Ranked among companies with meaningful Net Margin % only.
MTG' s Net Margin % Range Over the Past 10 Years
Min: -98.63  Med: -27.22 Max: 112.55
Current: 33.37
-98.63
112.55
ROE % 12.29
MTG's ROE % is ranked higher than
71% of the 72 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.27 vs. MTG: 12.29 )
Ranked among companies with meaningful ROE % only.
MTG' s ROE % Range Over the Past 10 Years
Min: -133.03  Med: -22.69 Max: 71.62
Current: 12.29
-133.03
71.62
ROA % 6.23
MTG's ROA % is ranked higher than
87% of the 72 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.89 vs. MTG: 6.23 )
Ranked among companies with meaningful ROA % only.
MTG' s ROA % Range Over the Past 10 Years
Min: -23.29  Med: -4.88 Max: 21.05
Current: 6.23
-23.29
21.05
3-Year Revenue Growth Rate -9.60
MTG's 3-Year Revenue Growth Rate is ranked lower than
91% of the 56 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 5.90 vs. MTG: -9.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MTG' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -32.7  Med: 8.3 Max: 23.9
Current: -9.6
-32.7
23.9
3-Year EBITDA Growth Rate 64.50
MTG's 3-Year EBITDA Growth Rate is ranked higher than
96% of the 50 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.30 vs. MTG: 64.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MTG' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -65.1  Med: 19.9 Max: 64.5
Current: 64.5
-65.1
64.5
GuruFocus has detected 2 Warning Signs with MGIC Investment Corp MTG.
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» MTG's 30-Y Financials

Financials (Next Earnings Date: 2018-04-20)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2017

MTG Guru Trades in Q1 2017

Alan Fournier 133,600 sh (New)
Paul Tudor Jones 384,182 sh (New)
Steven Cohen 4,431,500 sh (+80.74%)
Joel Greenblatt 38,583 sh (+0.88%)
Ken Heebner Sold Out
Chuck Royce 614,185 sh (-5.39%)
Howard Marks 4,567,000 sh (-21.19%)
Jim Simons 4,394,200 sh (-45.05%)
» More
Q2 2017

MTG Guru Trades in Q2 2017

David Dreman 30,231 sh (New)
Louis Moore Bacon 1,200,000 sh (New)
Jeremy Grantham 25,200 sh (New)
Barrow, Hanley, Mewhinney & Strauss 6,615,549 sh (New)
Paul Tudor Jones Sold Out
Alan Fournier Sold Out
Chuck Royce 594,185 sh (-3.26%)
Joel Greenblatt 33,023 sh (-14.41%)
Jim Simons 3,606,900 sh (-17.92%)
Steven Cohen 1,749,200 sh (-60.53%)
Howard Marks 1,265,000 sh (-72.30%)
» More
Q3 2017

MTG Guru Trades in Q3 2017

Ken Heebner 30,000 sh (New)
Jim Simons 4,780,800 sh (+32.55%)
Louis Moore Bacon 1,400,000 sh (+16.67%)
Chuck Royce 619,185 sh (+4.21%)
David Dreman 30,231 sh (unchged)
Jeremy Grantham 25,200 sh (unchged)
Howard Marks 1,265,000 sh (unchged)
Barrow, Hanley, Mewhinney & Strauss 6,383,571 sh (-3.51%)
Steven Cohen 1,365,800 sh (-21.92%)
Joel Greenblatt 21,406 sh (-35.18%)
» More
Q4 2017

MTG Guru Trades in Q4 2017

George Soros 203,900 sh (New)
Paul Tudor Jones 43,536 sh (New)
Chuck Royce 714,185 sh (+15.34%)
Jeremy Grantham 25,200 sh (unchged)
David Dreman 30,231 sh (unchged)
Louis Moore Bacon Sold Out
Steven Cohen Sold Out
Barrow, Hanley, Mewhinney & Strauss 6,142,201 sh (-3.78%)
Ken Heebner 25,000 sh (-16.67%)
Jim Simons 3,902,100 sh (-18.38%)
Joel Greenblatt 15,994 sh (-25.28%)
Howard Marks 500,000 sh (-60.47%)
» More
» Details

Insider Trades

Latest Guru Trades with MTG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Barrow, Hanley, Mewhinney & Strauss 2017-12-31 Reduce -3.78%$12.28 - $15.45 $ 14.392%6,142,201
George Soros 2017-12-31 New Buy0.08%$12.28 - $15.45 $ 14.392%203,900
Ken Heebner 2017-12-31 Reduce -16.67%$12.28 - $15.45 $ 14.392%25,000
Joel Greenblatt 2017-12-31 Reduce -25.28%$12.28 - $15.45 $ 14.392%15,994
Barrow, Hanley, Mewhinney & Strauss 2017-09-30 Reduce -3.51%$10.89 - $12.55 $ 14.3924%6,383,571
Ken Heebner 2017-09-30 New Buy0.02%$10.89 - $12.55 $ 14.3924%30,000
Joel Greenblatt 2017-09-30 Reduce -35.18%$10.89 - $12.55 $ 14.3924%21,406
Barrow, Hanley, Mewhinney & Strauss 2017-06-30 New Buy0.11%$9.88 - $11.32 $ 14.3934%6,615,549
Joel Greenblatt 2017-06-30 Reduce -14.41%$9.88 - $11.32 $ 14.3934%33,023
David Dreman 2017-06-30 New Buy0.19%$9.88 - $11.32 $ 14.3934%30,231
Joel Greenblatt 2017-03-31 Add 0.88%$9.91 - $11.26 $ 14.3937%38,583
Ken Heebner 2017-03-31 Sold Out 0.02%$9.91 - $11.26 $ 14.3937%0
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Business Description

Industry: Insurance - Specialty » Insurance - Specialty    NAICS: 524126    SIC: 6351
Compare:NYSE:RDN, NYSE:FAF, NYSE:AGO, TSX:MIC, ASX:NHF, JSE:SNT, SAU:8210, LSE:LRE, NYSE:OB, XSWX:VAHN, NYSE:EIG, NAS:TRUP, OSL:PROTCT, XTER:NBG6, XMCE:MAP, NAS:GLRE, NAS:AMBC, ADX:AWNIC, XKLS:6139, NAS:ITIC » details
Traded in other countries:MGC.Germany, MTG.Mexico,
Headquarter Location:USA
MGIC Investment Corp is engaged in the financial services domain. Its core business is the provision of private mortgage insurance and ancillary services.

MGIC provides private mortgage insurance and other services to mortgage lenders, covering them against defaults by homeowners on residential mortgages. The insurance premiums that these customers pay for the protection accounts for close to 90% of the company's total revenue. Investment income accounts for most of the remaining revenue. The company sells its insurance products in all 50 states of the United States and in Puerto Rico. Its greatest exposure is in California, Florida, Texas, Pennsylvania, and Ohio.

Ratios

vs
industry
vs
history
PE Ratio 15.31
MTG's PE Ratio is ranked lower than
54% of the 61 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 14.10 vs. MTG: 15.31 )
Ranked among companies with meaningful PE Ratio only.
MTG' s PE Ratio Range Over the Past 10 Years
Min: 2.39  Med: 11.55 Max: 40.13
Current: 15.31
2.39
40.13
Forward PE Ratio 10.20
MTG's Forward PE Ratio is ranked higher than
62% of the 24 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.45 vs. MTG: 10.20 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 15.31
MTG's PE Ratio without NRI is ranked lower than
56% of the 62 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 14.02 vs. MTG: 15.31 )
Ranked among companies with meaningful PE Ratio without NRI only.
MTG' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.39  Med: 11.55 Max: 40.13
Current: 15.31
2.39
40.13
Price-to-Owner-Earnings 17.61
MTG's Price-to-Owner-Earnings is ranked lower than
65% of the 40 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.77 vs. MTG: 17.61 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MTG' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 10.42  Med: 19.78 Max: 46.57
Current: 17.61
10.42
46.57
PB Ratio 1.71
MTG's PB Ratio is ranked lower than
69% of the 71 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.14 vs. MTG: 1.71 )
Ranked among companies with meaningful PB Ratio only.
MTG' s PB Ratio Range Over the Past 10 Years
Min: 0.05  Med: 1.07 Max: 4.07
Current: 1.71
0.05
4.07
PS Ratio 5.54
MTG's PS Ratio is ranked lower than
96% of the 70 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.45 vs. MTG: 5.54 )
Ranked among companies with meaningful PS Ratio only.
MTG' s PS Ratio Range Over the Past 10 Years
Min: 0.07  Med: 1.14 Max: 6.07
Current: 5.54
0.07
6.07
Price-to-Free-Cash-Flow 18.97
MTG's Price-to-Free-Cash-Flow is ranked lower than
74% of the 47 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.67 vs. MTG: 18.97 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MTG' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.08  Med: 10.18 Max: 89.65
Current: 18.97
0.08
89.65
Price-to-Operating-Cash-Flow 17.92
MTG's Price-to-Operating-Cash-Flow is ranked lower than
75% of the 52 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.55 vs. MTG: 17.92 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MTG' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.08  Med: 10.18 Max: 84.46
Current: 17.92
0.08
84.46
EV-to-EBIT 7.04
MTG's EV-to-EBIT is ranked higher than
70% of the 91 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.42 vs. MTG: 7.04 )
Ranked among companies with meaningful EV-to-EBIT only.
MTG' s EV-to-EBIT Range Over the Past 10 Years
Min: -13.2  Med: -0.1 Max: 119.8
Current: 7.04
-13.2
119.8
EV-to-EBITDA 6.62
MTG's EV-to-EBITDA is ranked higher than
73% of the 93 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.59 vs. MTG: 6.62 )
Ranked among companies with meaningful EV-to-EBITDA only.
MTG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -26.3  Med: -0.1 Max: 39.1
Current: 6.62
-26.3
39.1
EV-to-Revenue 5.57
MTG's EV-to-Revenue is ranked lower than
93% of the 111 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.25 vs. MTG: 5.57 )
Ranked among companies with meaningful EV-to-Revenue only.
MTG' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.1  Med: 1.4 Max: 6.3
Current: 5.57
-0.1
6.3

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.30
MTG's 3-Year Average Share Buyback Ratio is ranked lower than
57% of the 42 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.20 vs. MTG: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MTG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -34.8  Med: -0.2 Max: 5.6
Current: -0.3
-34.8
5.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.69
MTG's Price-to-Tangible-Book is ranked lower than
61% of the 69 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.38 vs. MTG: 1.69 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MTG' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.08  Med: 1.97 Max: 5.11
Current: 1.69
0.08
5.11
Price-to-Median-PS-Value 4.89
MTG's Price-to-Median-PS-Value is ranked lower than
100% of the 58 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.01 vs. MTG: 4.89 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MTG' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.09  Med: 3.45 Max: 7.94
Current: 4.89
0.09
7.94
Price-to-Graham-Number 1.07
MTG's Price-to-Graham-Number is ranked lower than
54% of the 52 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.90 vs. MTG: 1.07 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MTG' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.29  Med: 1.1 Max: 2.37
Current: 1.07
0.29
2.37
Earnings Yield (Greenblatt) % 14.23
MTG's Earnings Yield (Greenblatt) % is ranked higher than
77% of the 116 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 7.18 vs. MTG: 14.23 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MTG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -7519.1  Med: -9.6 Max: 29635.3
Current: 14.23
-7519.1
29635.3
Forward Rate of Return (Yacktman) % 31.54
MTG's Forward Rate of Return (Yacktman) % is ranked higher than
83% of the 35 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 14.32 vs. MTG: 31.54 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
MTG' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -52.8  Med: -32.4 Max: 31.54
Current: 31.54
-52.8
31.54

More Statistics

Revenue (TTM) (Mil) $1,066.05
EPS (TTM) $ 0.94
Beta1.58
Short Percentage of Float0.88%
52-Week Range $9.68 - 16.21
Shares Outstanding (Mil)370.57

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 1,158 1,292
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 1.38 1.54 2.13
EPS without NRI ($) 1.38 1.54 2.13
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

Personalized Checklist

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