MGIC INVESTMENT CORP (MTG) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:MTG • US5528481030

27.31 USD
+0.04 (+0.15%)
At close: Feb 6, 2026
27.31 USD
0 (0%)
After Hours: 2/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, MTG scores 6 out of 10 in our fundamental rating. MTG was compared to 96 industry peers in the Financial Services industry. While MTG has a great profitability rating, there are some minor concerns on its financial health. MTG is valued quite cheap, while showing a decent growth score. This is a good combination! With these ratings, MTG could be worth investigating further for value investing!.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year MTG was profitable.
  • MTG had a positive operating cash flow in the past year.
  • In the past 5 years MTG has always been profitable.
  • MTG had a positive operating cash flow in 4 of the past 5 years.
MTG Yearly Net Income VS EBIT VS OCF VS FCFMTG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • MTG has a better Return On Assets (11.38%) than 92.78% of its industry peers.
  • The Return On Equity of MTG (14.57%) is better than 75.26% of its industry peers.
  • MTG has a Return On Invested Capital of 12.03%. This is amongst the best in the industry. MTG outperforms 88.66% of its industry peers.
Industry RankSector Rank
ROA 11.38%
ROE 14.57%
ROIC 12.03%
ROA(3y)11.23%
ROA(5y)11.25%
ROE(3y)14.38%
ROE(5y)14.97%
ROIC(3y)N/A
ROIC(5y)N/A
MTG Yearly ROA, ROE, ROICMTG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 61.96%, MTG belongs to the top of the industry, outperforming 95.88% of the companies in the same industry.
  • MTG's Profit Margin has improved in the last couple of years.
  • The Operating Margin of MTG (81.07%) is better than 96.91% of its industry peers.
  • MTG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 81.07%
PM (TTM) 61.96%
GM N/A
OM growth 3Y-7.53%
OM growth 5Y8.09%
PM growth 3Y-6.23%
PM growth 5Y10.34%
GM growth 3YN/A
GM growth 5YN/A
MTG Yearly Profit, Operating, Gross MarginsMTG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80 100

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so MTG is still creating some value.
  • The number of shares outstanding for MTG has been reduced compared to 1 year ago.
  • The number of shares outstanding for MTG has been reduced compared to 5 years ago.
  • MTG has a better debt/assets ratio than last year.
MTG Yearly Shares OutstandingMTG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
MTG Yearly Total Debt VS Total AssetsMTG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of MTG is 0.80, which is an excellent value as it means it would take MTG, only 0.80 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of MTG (0.80) is better than 83.51% of its industry peers.
  • MTG has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
  • MTG has a better Debt to Equity ratio (0.12) than 74.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.8
Altman-Z N/A
ROIC/WACC1.43
WACC8.41%
MTG Yearly LT Debt VS Equity VS FCFMTG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • MTG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.25%, which is quite good.
  • The Earnings Per Share has been growing by 18.82% on average over the past years. This is quite good.
  • Looking at the last year, MTG shows a small growth in Revenue. The Revenue has grown by 0.49% in the last year.
  • The Revenue has been growing slightly by 0.24% on average over the past years.
EPS 1Y (TTM)8.25%
EPS 3Y2.44%
EPS 5Y18.82%
EPS Q2Q%4.17%
Revenue 1Y (TTM)0.49%
Revenue growth 3Y1.15%
Revenue growth 5Y0.24%
Sales Q2Q%-0.93%

3.2 Future

  • MTG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.59% yearly.
  • The Revenue is expected to grow by 3.07% on average over the next years.
EPS Next Y1.77%
EPS Next 2Y5.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.16%
Revenue Next 2Y3.07%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MTG Yearly Revenue VS EstimatesMTG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
MTG Yearly EPS VS EstimatesMTG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.67, which indicates a very decent valuation of MTG.
  • Based on the Price/Earnings ratio, MTG is valued a bit cheaper than 69.07% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.93, MTG is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.52, the valuation of MTG can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, MTG is valued a bit cheaper than the industry average as 63.92% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of MTG to the average of the S&P500 Index (27.77), we can say MTG is valued rather cheaply.
Industry RankSector Rank
PE 8.67
Fwd PE 8.52
MTG Price Earnings VS Forward Price EarningsMTG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, MTG is valued cheaper than 84.54% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MTG indicates a rather cheap valuation: MTG is cheaper than 85.57% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.6
EV/EBITDA 6.51
MTG Per share dataMTG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates MTG does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of MTG may justify a higher PE ratio.
PEG (NY)4.9
PEG (5Y)0.46
EPS Next 2Y5.59%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • MTG has a Yearly Dividend Yield of 2.20%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.03, MTG pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, MTG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.2%

5.2 History

  • On average, the dividend of MTG grows each year by 33.24%, which is quite nice.
  • MTG has paid a dividend for at least 10 years, which is a reliable track record.
  • MTG has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)33.24%
Div Incr Years5
Div Non Decr Years5
MTG Yearly Dividends per shareMTG Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • MTG pays out 17.51% of its income as dividend. This is a sustainable payout ratio.
  • MTG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP17.51%
EPS Next 2Y5.59%
EPS Next 3YN/A
MTG Yearly Income VS Free CF VS DividendMTG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
MTG Dividend Payout.MTG Dividend Payout, showing the Payout Ratio.MTG Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

MGIC INVESTMENT CORP

NYSE:MTG (2/6/2026, 8:04:00 PM)

After market: 27.31 0 (0%)

27.31

+0.04 (+0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-02
Earnings (Next)04-28
Inst Owners101.46%
Inst Owner Change-1.91%
Ins Owners1.62%
Ins Owner Change-0.65%
Market Cap6.11B
Revenue(TTM)1.21B
Net Income(TTM)753.74M
Analysts50
Price Target29.33 (7.4%)
Short Float %3.29%
Short Ratio3.65
Dividend
Industry RankSector Rank
Dividend Yield 2.2%
Yearly Dividend0.5
Dividend Growth(5Y)33.24%
DP17.51%
Div Incr Years5
Div Non Decr Years5
Ex-Date02-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.35%
Min EPS beat(2)10.16%
Max EPS beat(2)12.54%
EPS beat(4)4
Avg EPS beat(4)9.48%
Min EPS beat(4)6.93%
Max EPS beat(4)12.54%
EPS beat(8)8
Avg EPS beat(8)12.05%
EPS beat(12)12
Avg EPS beat(12)13.66%
EPS beat(16)16
Avg EPS beat(16)21.76%
Revenue beat(2)0
Avg Revenue beat(2)-1.87%
Min Revenue beat(2)-2.18%
Max Revenue beat(2)-1.56%
Revenue beat(4)0
Avg Revenue beat(4)-1.56%
Min Revenue beat(4)-2.18%
Max Revenue beat(4)-0.82%
Revenue beat(8)1
Avg Revenue beat(8)-1.7%
Revenue beat(12)1
Avg Revenue beat(12)-1.81%
Revenue beat(16)1
Avg Revenue beat(16)-1.63%
PT rev (1m)3.29%
PT rev (3m)4.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)0.19%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)-0.31%
Valuation
Industry RankSector Rank
PE 8.67
Fwd PE 8.52
P/S 5.02
P/FCF 7.6
P/OCF 7.6
P/B 1.18
P/tB 1.18
EV/EBITDA 6.51
EPS(TTM)3.15
EY11.53%
EPS(NY)3.21
Fwd EY11.74%
FCF(TTM)3.59
FCFY13.15%
OCF(TTM)3.6
OCFY13.16%
SpS5.44
BVpS23.12
TBVpS23.12
PEG (NY)4.9
PEG (5Y)0.46
Graham Number40.48
Profitability
Industry RankSector Rank
ROA 11.38%
ROE 14.57%
ROCE 15.2%
ROIC 12.03%
ROICexc 12.55%
ROICexgc 13.21%
OM 81.07%
PM (TTM) 61.96%
GM N/A
FCFM 66.05%
ROA(3y)11.23%
ROA(5y)11.25%
ROE(3y)14.38%
ROE(5y)14.97%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-7.53%
OM growth 5Y8.09%
PM growth 3Y-6.23%
PM growth 5Y10.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.8
Debt/EBITDA 0.65
Cap/Depr 9.23%
Cap/Sales 0.08%
Interest Coverage 28.92
Cash Conversion 80.74%
Profit Quality 106.6%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.41%
ROIC/WACC1.43
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.25%
EPS 3Y2.44%
EPS 5Y18.82%
EPS Q2Q%4.17%
EPS Next Y1.77%
EPS Next 2Y5.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.49%
Revenue growth 3Y1.15%
Revenue growth 5Y0.24%
Sales Q2Q%-0.93%
Revenue Next Year3.16%
Revenue Next 2Y3.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-1.33%
EBIT growth 3Y-6.47%
EBIT growth 5Y8.35%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y10.36%
OCF growth 3YN/A
OCF growth 5YN/A

MGIC INVESTMENT CORP / MTG FAQ

Can you provide the ChartMill fundamental rating for MGIC INVESTMENT CORP?

ChartMill assigns a fundamental rating of 6 / 10 to MTG.


Can you provide the valuation status for MGIC INVESTMENT CORP?

ChartMill assigns a valuation rating of 7 / 10 to MGIC INVESTMENT CORP (MTG). This can be considered as Undervalued.


Can you provide the profitability details for MGIC INVESTMENT CORP?

MGIC INVESTMENT CORP (MTG) has a profitability rating of 7 / 10.


Can you provide the PE and PB ratios for MTG stock?

The Price/Earnings (PE) ratio for MGIC INVESTMENT CORP (MTG) is 8.67 and the Price/Book (PB) ratio is 1.18.


Can you provide the financial health for MTG stock?

The financial health rating of MGIC INVESTMENT CORP (MTG) is 5 / 10.