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MTG

9/9 Score

MGIC Investment Corporation

Analysis Date: February 2, 2026

MGIC Investment Corporation, through its subsidiaries, provides private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government sponsored entities in the United States, Puerto Rico, and Guam. The company offers primary mortgage insurance that provides mortgage default protection on individual loans, as well as covers unpaid loan principal, delinquent interest, and various expenses associated with the default and subsequent foreclosure. It also provides contract underwriting services, as well as reinsurance. The company serves originators of residential mortgage loans, including savings institutions, commercial banks, mortgage brokers, credit unions, mortgage bankers, and other lenders. MGIC Investment Corporation was founded in 1957 and is headquartered in Milwaukee, Wisconsin.

Buffettology Criteria

All 9 of 9 criteria passed

  • High ROE

    Return on Equity > 12%

    Value: 13.4%

  • High ROIC

    Return on Invested Capital > 9%

    Value: 196.6%

  • Cash Machine

    FCF / Assets > 5%

    Value: 0.0%

  • Fair Valuation

    Earnings Yield > 3.5%

    Value: 12.3%

  • Share Buybacks

    Share Count is Dropping

    Value: -13.7%

  • Defensible Moat

    Gross Profit Margin > 40%

    Value: 94.9%

  • Simple Business

    Not in a speculative sector (e.g., Biotech)

    Value: Financial Services

  • Conservative Debt

    Debt to Equity < 1.5

    Value: 0.10x

  • Consistent Growth

    5-Year Growth is Positive

    Value: 149.3%

Analysis Summary

This looks like a company with a strong fortress of a moat and a business that produces consistent earnings. The debt situation is as clean as a whistle, and the fact they've been retiring shares is a good sign, indicating management is returning value to shareholders. While the ROIC could be a bit punchier, it’s certainly in the right zip code.

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