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MTG

BULLISH
$29.13 Live
MGIC Investment Corporation · NYSE
Target $29.0 (-0.4%)
$24.59 52W Range $29.97
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 30, 2026
Market cap
$6.31B
P/E
9.28
ROE
14.3%
Profit margin
60.8%
Debt/Equity
0.13
Dividend yield
2.06%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
MTG presents a classic deep-value opportunity, characterized by a stable Piotroski F-Score of 4/9 and a significant valuation discount, trading at $29.13 against a Graham Number of $40.72 and an Intrinsic Value of $40.35. The company exhibits exceptional operational efficiency with a 60.84% profit margin and a rock-solid balance sheet (Debt/Equity of 0.13). While revenue growth is stagnant and insider sentiment is bearish, the consistent track record of earnings beats over 25 quarters suggests a highly disciplined management team. The bullish outlook is driven by the massive margin of safety provided by the current price relative to defensive fair value.

Key Strengths

Significant undervaluation relative to Graham Number ($40.72) and Intrinsic Value ($40.35)
Exceptional profitability with a 60.84% profit margin and 74.20% operating margin
Very strong financial health with low Debt/Equity (0.13) and high Current Ratio (6.01)
Impressive earnings track record with 4/4 beats in the last year and a long history of surprises
Highly sustainable dividend with a very low payout ratio of 17.83%

Key Risks

Stagnant to negative revenue growth (-0.90% YoY, -0.93% Q/Q)
Bearish insider activity with significant selling by the CEO and President
Weak technical trend score (10/100) suggesting short-term momentum headwinds
Recent Q/Q earnings decline of -8.30%
Low dividend yield (2.06%) compared to other value-oriented financial stocks
AI Fair Value Estimate
Based on comprehensive analysis
$38.5
+32.2% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
72
Strong
Value
95
Future
40
Past
90
Health
75
Dividend
60
AI Verdict
Strong Value Play
Key drivers: Deep valuation discount, High margins, Low leverage, Consistent earnings beats
Confidence
80%
Value
95/100

Ref P/E 9.28, Graham Number $40.72

Positives
  • P/E of 9.28 is far below sector average
  • Trading ~28% below Graham Number
Watchpoints
  • Low technical momentum
Future
40/100

Ref Revenue Growth -0.90%

Positives
  • Consistent earnings beats
Watchpoints
  • Negative YoY and Q/Q revenue growth
  • Declining Q/Q earnings
Past
90/100

Ref Quarterly Earnings Progression

Positives
  • 25-quarter track record of beating estimates
  • Strong 5Y price change of +114.8%
Watchpoints
No urgent risks highlighted.
Health
75/100

Ref Piotroski F-Score 4/9, Debt/Equity 0.13

Positives
  • Debt/Equity 0.13
  • Current Ratio 6.01
Watchpoints
  • Piotroski F-Score is only 4/9 (Stable, not Strong)
Dividend
60/100

Ref Yield 2.06%, Payout 17.83%

Positives
  • Very low payout ratio (17.83%)
Watchpoints
  • Low yield (2.06%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$29.13
Analyst Target
$29.0
Upside/Downside
-0.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for MTG and closest competitors.

Updated 2026-04-29
MTG
MGIC Investment Corporation
Primary
5Y
+114.8%
3Y
+109.2%
1Y
+20.6%
6M
+11.7%
1M
+11.7%
1W
+3.4%
GBC
Glacier Bancorp, Inc.
Peer
5Y
-7.2%
3Y
+64.2%
1Y
+17.7%
6M
+12.8%
1M
+9.9%
1W
-0.5%
FNB
F.N.B. Corporation
Peer
5Y
+62.1%
3Y
+73.8%
1Y
+34.7%
6M
+14.1%
1M
+6.2%
1W
-2.3%
ACT
Enact Holdings, Inc.
Peer
5Y
+166.6%
3Y
+100.1%
1Y
+27.9%
6M
+25.6%
1M
+7.9%
1W
+1.8%
MKT
MarketAxess Holdings Inc.
Peer
5Y
-65.4%
3Y
-45.9%
1Y
-20.2%
6M
+1.9%
1M
-3.1%
1W
-0.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
9.28
Forward P/E
8.68
PEG Ratio
N/A
P/B Ratio
1.24
P/S Ratio
5.2
EV/Revenue
5.39
EV/EBITDA
6.73
Market Cap
$6.31B

Profitability

Profit margins and return metrics

Profit Margin 60.84%
Operating Margin 74.2%
Gross Margin 95.06%
ROE 14.31%
ROA 9.14%

Growth

Revenue and earnings growth rates

Revenue Growth -0.9%
Earnings Growth +3.9%
Q/Q Revenue Growth -0.93%
Q/Q Earnings Growth -8.3%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.13
Low debt
Current Ratio
6.01
Strong
Quick Ratio
4.57
Excellent
Cash/Share
$1.72

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.3B
Net Margin
56.7%
Total Assets
$6.6B
Liabilities
$1.5B
Equity
$5.1B
Debt/Equity
0.29x
Operating CF
$0.2B
CapEx
$-0.0B
Free Cash Flow
$0.2B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-29
$0.76
+2.4% surprise
2026-02-02
$0.75
+0.7% surprise
2025-10-29
$0.83
+12.2% surprise
2025-07-30
$0.81
+12.9% surprise

Financial Services Sector Comparison

Comparing MTG against 915 companies in the Financial Services sector (148 bullish, 394 neutral, 373 bearish)
P/E Ratio
9.28
This Stock
vs
34.57
Sector Avg
-73.2% (Discount)
Return on Equity (ROE)
14.31%
This Stock
vs
0.12%
Sector Avg
+11792.8% (Excellent)
Profit Margin
60.84%
This Stock
vs
92.09%
Sector Avg
-33.9% (Weaker)
Debt to Equity
0.13
This Stock
vs
1.29
Sector Avg
-90.3% (Less Debt)
Revenue Growth
-0.9%
This Stock
vs
33.99%
Sector Avg
-102.6% (Slower)
Current Ratio
6.01
This Stock
vs
3.02
Sector Avg
+98.7% (Stronger)

Similar Companies

Peer comparison within the same industry

MTG MGIC Investment...
BULLISH
Mkt Cap
$6.3B
P/E
9.3
ROE
14.3%
Price
$29.13
GBCI Glacier Bancorp, Inc.
NEUTRAL
Mkt Cap
$6.3B
P/E
24.5
ROE
7.1%
Price
$48.72
 Compare with MTG
FNB F.N.B. Corporation
NEUTRAL
Mkt Cap
$6.2B
P/E
10.8
ROE
8.9%
Price
$17.52
 Compare with MTG
ACT Enact Holdings, Inc.
NEUTRAL
Mkt Cap
$6.2B
P/E
9.7
ROE
13.0%
Price
$44.01
 Compare with MTG
MKTX MarketAxess...
NEUTRAL
Mkt Cap
$6.5B
P/E
26.2
ROE
19.4%
Price
$174.56
 Compare with MTG

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

MATTKE TIMOTHY J.
Chief Executive Officer
Sell
2026-04-02
139,202 shares · $3,687,879
MIOSI SALVATORE A
President
Sell
2026-04-01
10,931 shares · $286,982
CULVER CURT S
Director
Stock Award
2026-03-06
28 shares
CHAPLIN CHUCK EDWARD
Director
Stock Award
2026-03-06
146 shares
THOMPSON MICHAEL LEAL
Director
Stock Award
2026-03-06
28 shares
KOZLAK JODEE A.
Director
Stock Award
2026-03-06
77 shares
ZANDI MARK M
Director
Stock Award
2026-03-06
28 shares
KLEIN MARTIN P
Director
Stock Award
2026-03-06
35 shares
HARTZELL JAY C.
Director
Stock Award
2026-03-06
196 shares
SCULLEY SHERYL L.
Director
Stock Award
2026-03-06
131 shares
LOWMAN TERESITA M
Director
Stock Award
2026-03-06
190 shares
O'LEARY-GILL DANIELA
Director
Stock Award
2026-03-06
28 shares
MIOSI SALVATORE A
President
Sell
2026-03-02
30,000 shares · $811,050
MAGGIO PAULA C
General Counsel
Stock Award
2026-02-25
136,938 shares
MATTKE TIMOTHY J.
Chief Executive Officer
Stock Award
2026-02-25
652,083 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-29

MTG filed an 8-K on April 29, 2026, likely to announce its first-quarter financial results.

10-Q
10-Q
2026-04-29

MGIC Investment Corporation filed its Q1 2026 10-Q, detailing its operations as a mortgage insurance provider. The filing includes disclosures regarding risk factors and unregistered sales of equity securities, although specific financial performance metrics were not provided in the available excerpt.

8-K
8-K
2026-04-23

MTG filed an 8-K on April 23, 2026, likely to announce its first-quarter financial results.

DEF 14A
DEF 14A
2026-03-20

MTG filed a Definitive Proxy Statement (DEF 14A) on March 20, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-K
10-K
2026-02-25

MTG filed its 10-K annual report on February 25, 2026, which includes disclosures regarding its business operations, risk factors, and financial condition. No specific financial highlights or risk details were provided in the available excerpts.

8-K
8-K
2026-02-02

MTG filed an 8-K on February 2, 2026, likely to announce its fourth quarter and full-year financial results.

8-K
8-K
2025-12-15
10-Q
10-Q
2025-10-29

MGIC Investment Corporation's Q3 2025 filing focuses on its mortgage insurance operations, including the management of credit risk and asset-backed securities. The report highlights specific risk factors and details regarding the use of proceeds from unregistered sales of equity securities.

8-K
8-K
2025-10-29

MTG filed an 8-K on October 29, 2025, likely to announce its third-quarter financial results.

8-K
8-K
2025-10-23

MTG filed an 8-K on October 23, 2025, likely to announce its third-quarter financial results.

10-Q
10-Q
2025-07-30
8-K
8-K
2025-07-30
8-K
8-K
2025-06-13
10-Q
10-Q
2025-04-30
8-K
8-K
2025-04-30
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
HOLD
6 analysts
Keefe, Bruyette & Woods
2026-04-10
Maintains
Market Perform Market Perform
Barclays
2026-04-06
Maintains
Equal-Weight Equal-Weight
UBS
2026-03-12
Maintains
Neutral Neutral
Barclays
2026-02-04
Maintains
Equal-Weight Equal-Weight
Barclays
2026-01-06
Maintains
Equal-Weight Equal-Weight
Keefe, Bruyette & Woods
2025-12-18
Maintains
Market Perform Market Perform

Past News Coverage

Recent headlines mentioning MTG from our newsroom.

Newest → oldest
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