MGIC InvestmentMTG +2.11%85 OCF Margin % is 25.89% as of Mar. 2026, which is 55% below its 10-year median of 57.08. GuruFocus rates MTG with a GF Score™ of 85/100 and a GF Value™ of $28.23 (Fairly Valued). The stock has 2 warning signs investors should review. Among 502 Insurance companies, MGIC Investment ranks better than 95.22% on this metric.
The historical rank and industry rank for MGIC Investment's OCF Margin % or its related term are showing as below:
MTG'
s OCF Margin % Range Over the Past 10 Years
Min: 21.15 Med: 57.08 Max: 70.27
Current: 58.62
During the past 13 years, the highest OCF Margin % of MGIC Investment was 70.27%. The lowest was 21.15%. And the median was 57.08%.
MTG's OCF Margin % is ranked better than 95.22% of 502
companies
in the Insurance industry
Industry Median: 10.855
vs MTG: 58.62
MGIC Investment OCF Margin % Related Terms
MGIC Investment OCF Margin % Historical Data
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The historical data trend for MGIC Investment's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, MGIC Investment's OCF Margin % distribution charts can be found below:
* The bar in red indicates where MGIC Investment's OCF Margin % falls into.
* 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 (MTG) has a OCF Margin % of 25.89% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on MGIC Investment and its competitors. This is 55% below median its historical median of 57.08. Over the past decade, MGIC Investment's OCF Margin % has ranged from 21.15 to 70.27. According to the industry distribution chart, MGIC Investment ranks #24 out of 502 companies in the Insurance industry, placing it in the top 4.8%.
Is MGIC Investment's OCF Margin % too high?
MGIC Investment's current OCF Margin % of 25.89% is 55% below median its 10-year median of 57.08. Over the past 10 years, this metric has ranged from a low of 21.15 to a high of 70.27. The Insurance industry median OCF Margin % is 10.86. MGIC Investment's value of 25.89% is 138.5% above this industry median. Based on the distribution chart, MGIC Investment ranks #24 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, MGIC Investment has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MGIC Investment's OCF Margin % compare to ESNT and ACT?
According to the Insurance industry distribution chart, MGIC Investment ranks #24 out of 502 companies for OCF Margin %. This places MGIC Investment in the top 5% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 10.86. MGIC Investment's value of 25.89% is 138.5% above this benchmark. Historically, MGIC Investment's own OCF Margin % has ranged from 21.15 to 70.27 over the past decade. While the company's 10-year median is 57.08 vs. the industry median of 10.86, MGIC Investment has consistently been above 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.86, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MGIC Investment's current OCF Margin % of 25.89% is 138.5% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on MGIC Investment and its competitors. For the Insurance industry, the median OCF Margin % is 10.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MGIC Investment's current OCF Margin % is 25.89%, which is 55% below median its own 10-year median of 57.08. 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?
Based on GuruFocus' analysis, MGIC Investment (MTG) is currently considered Fairly Valued. The stock's GF Value™ is $28.23, compared to a current price of $27.05 — trading 4.2% below its estimated fair value. The current OCF Margin % is 25.89%, which is 55% below median its 10-year median of 57.08 and 138.5% above the Insurance industry median of 10.86. MGIC Investment's overall GF Score™ is 85/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For MGIC Investment (MTG), the current OCF Margin % is 25.89% as of Mar. 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 (MTG) Overvalued in 2026?
Based on GuruFocus' analysis, MGIC Investment stock appears to be undervalued.
The current stock price of $27.05 is trading 4.2% below its estimated GF Value™ of $28.23.
GuruFocus considers MGIC Investment to be Fairly Valued.
Key valuation signals for MTG:
OCF Margin %: 25.89% (55% below median its 10-year median of 57.08)
GF Value™: $28.23 vs. price of $27.05 (4.2% below fair value)
Industry Position: 138.5% above the Insurance median (#24 of 502)
No single metric tells the full story. See the MTG 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.
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