MGIC InvestmentFRA:MGC +0.82%85 EV-to-FCF is 9.26 as of Jul. 01, 2026, which is 3% above its 10-year median of 8.96. GuruFocus rates FRA:MGC with a GF Score™ of 85/100 and a GF Value™ of €24.63. The stock has 5 warning signs investors should review. Among 396 Insurance companies, MGIC Investment ranks better than 51.77% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, MGIC Investment's Enterprise Value is €5,598 Mil.
MGIC Investment's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €605 Mil. Therefore, MGIC Investment's EV-to-FCF for today is 9.26.
The historical rank and industry rank for MGIC Investment's EV-to-FCF or its related term are showing as below:
FRA:MGC'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.66 Med: 8.96 Max: 30.65
Current: 9.04
During the past 13 years, the highest EV-to-FCF of MGIC Investment was 30.65. The lowest was 3.66. And the median was 8.96.
FRA:MGC's EV-to-FCF is ranked better than 51.77% of 396
companies
in the Insurance industry
Industry Median: 9.285
vs FRA:MGC: 9.04
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
MGIC Investment's PE Ratio (TTM) for today is calculated as:
MGIC Investment's share price for today is €24.60.
MGIC Investment's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2.706.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
MGIC Investment EV-to-FCF Related Terms
MGIC Investment EV-to-FCF Historical Data
* Premium members only.
The historical data trend for MGIC Investment's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Specialty subindustry, MGIC Investment's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
MGIC Investment EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, MGIC Investment's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where MGIC Investment's EV-to-FCF falls into.
MGIC Investment's current Enterprise Value is €5,598 Mil.
MGIC Investment's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €605 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MGIC Investment (FRA:MGC) has a EV-to-FCF of 9.26 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MGIC Investment and its competitors. This is near median its historical median of 8.96. Over the past decade, MGIC Investment's EV-to-FCF has ranged from 3.66 to 30.65. According to the industry distribution chart, MGIC Investment ranks #191 out of 396 companies in the Insurance industry, placing it in the top 48.2%.
Is MGIC Investment's EV-to-FCF too high?
MGIC Investment's current EV-to-FCF of 9.26 is near median its 10-year median of 8.96. Over the past 10 years, this metric has ranged from a low of 3.66 to a high of 30.65. The Insurance industry median EV-to-FCF is 9.29. MGIC Investment's value of 9.26 is 0.3% below this industry median. Based on the distribution chart, MGIC Investment ranks #191 out of 396 companies in the Insurance industry, which is above the industry midpoint. Overall, MGIC Investment has a GF Score™ of 85/100, reflecting its overall financial health beyond just this single metric.
How does MGIC Investment's EV-to-FCF compare to ESNT and ACT?
According to the Insurance industry distribution chart, MGIC Investment ranks #191 out of 396 companies for EV-to-FCF. This puts MGIC Investment in the upper half of its industry. The industry median EV-to-FCF is 9.29. MGIC Investment's value of 9.26 is 0.3% below this benchmark. Historically, MGIC Investment's own EV-to-FCF has ranged from 3.66 to 30.65 over the past decade. While the company's 10-year median is 8.96 vs. the industry median of 9.29, MGIC Investment has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.29, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MGIC Investment's current EV-to-FCF of 9.26 is 0.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MGIC Investment and its competitors. For the Insurance industry, the median EV-to-FCF is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MGIC Investment's current EV-to-FCF is 9.26, which is near median its own 10-year median of 8.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MGIC Investment stock overvalued right now?
MGIC Investment (FRA:MGC) has a current EV-to-FCF of 9.26. The stock's GF Value™ is €24.63, compared to a current price of €24.60 — trading 0.1% below its estimated fair value. The current EV-to-FCF is 9.26, which is near median its 10-year median of 8.96 and 0.3% below the Insurance industry median of 9.29. MGIC Investment's overall GF Score™ is 85/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For MGIC Investment (FRA:MGC), the current EV-to-FCF is 9.26 as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is MGIC Investment (FRA:MGC) Overvalued in 2026?
Based on GuruFocus' analysis, MGIC Investment stock appears to be undervalued.
The current stock price of €24.60 is trading 0.1% below its estimated GF Value™ of €24.63.
Key valuation signals for FRA:MGC:
EV-to-FCF: 9.26 (near median its 10-year median of 8.96)
GF Value™: €24.63 vs. price of €24.60 (0.1% below fair value)
Industry Position: 0.3% below the Insurance median (#191 of 396)
No single metric tells the full story. See the FRA:MGC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MGIC Investment Corp provides private mortgage insurance, other mortgage credit risk management solutions, and ancillary services. The insurance premiums that these customers pay for the protection account for close to the majority of the company's total revenue. Investment income accounts for the remaining revenue. The company sells its insurance products in all states of the United States and in Puerto Rico. Its greatest exposure is in California, Florida, Texas, Pennsylvania, Ohio, Illinois, Virginia, North Carolina, Georgia, and New York.
85GF Score
Get the complete analysis for FRA:MGC
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:MGC has been successfully added to your 
