$28.66

-0.06 (-0.21%)

After Hours: $29.14 (+0.48, +1.69%)

Weekly Expected Move ±5.8%

$25 $27 $29 $30 $32

NYSE · Financial Services · Insurance - Specialty · Tech Score Buy · Power 57 · $5.9B mcap · 202M float · 1.03% daily turnover · Short 60% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $52.1M held by 57 funds, 105 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

50.3 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: -290.7%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. MTG shows a Weak competitive edge (50.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. Negative ROIC of -290.7% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$35

Low

$35

Avg Target

$35

High

Based on 1 analyst since Jul 29, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 12Hold: 8Sell: 2Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$35.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-30	Roth Capital	Harry Fong	Initiated	$35	—	+16.5%	$30.05
2026-05-22	RBC Capital	—	$16	$28	+12	+7.0%	$26.17
2026-01-06	Barclays	—	$28	$30	+2	+1.5%	$29.56
2025-10-06	Barclays	—	$21	$28	+7	+1.8%	$27.51
2024-08-05	BTIG	Soham Bhonsle	Initiated	$25	—	+3.6%	$24.14
2024-07-09	Barclays	Terry Ma	$14	$21	+7	-1.4%	$21.29
2023-01-06	Barclays	—	Initiated	$14	—	+8.5%	$12.90
2022-06-23	RBC Capital	Mark Dwelle	Initiated	$16	—	+37.2%	$11.66

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A+

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. MTG receives an overall rating of A+. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5), D/E (4/5), P/E (4/5).

Rating Change History

Date	From	To
2026-10-12	A	A+
2026-08-12	A+	A
2026-08-03	A	A+
2026-07-30	A-	A
2026-07-29	A+	A-
2026-07-25	A	A+
2026-05-11	A+	A
2026-05-01	A	A+
2026-04-27	A-	A
2026-04-21	A	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 68 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. MTG scores highest in Safety (100/100) and lowest in Growth (33/100). An overall grade of A places MTG among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-I Score

20.33

Safe Zone

Piotroski F-Score

4/9

✓ ✓ ✗ ✓ ✗ ✗ ✓ ✗ ✗

Beneish M-Score

-3.20

Unlikely Manipulator

Ohlson O-Score

-11.52

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AAA

Score: 95.1/100

Trend: Stable

Earnings Quality

100/100

OCF/NI: 1.00x

Accruals: -0.0%

The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. MTG scores 20.33, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. MTG scores 4/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. MTG's score of -3.20 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. MTG's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. MTG receives an estimated rating of AAA (score: 95.1/100), with a stable trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). MTG's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

8.92x

PEG

1.96x

P/S

4.91x

P/B

1.20x

P/FCF

8.42x

P/OCF

8.40x

EV/EBITDA

0.74x

EV/Revenue

0.57x

EV/EBIT

0.75x

EV/FCF

0.97x

Earnings Yield

11.90%

FCF Yield

11.88%

Shareholder Yield

14.94%

Graham Number

$42.36

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 8.9x earnings, MTG trades at a deep value multiple. An earnings yield of 11.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $42.36 per share, suggesting a potential 48% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.800

NI / EBT

Interest Burden

0.963

EBT / EBIT

EBIT Margin

0.769

EBIT / Rev

Asset Turnover

0.183

Rev / Assets

Equity Multiplier

1.285

Assets / Equity

ROE

13.9%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. MTG's ROE of 13.9% is driven by EBIT Margin (0.769) as the dominant factor.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

7.29%

Fair P/E

23.09x

Intrinsic Value

$77.48

Price/Value

0.36x

Margin of Safety

63.60%

Premium

-63.60%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with MTG's realized 7.3% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. MTG trades at a -64% premium to its adjusted intrinsic value of $77.48, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 23.1x compares to the current market P/E of 8.9x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$28.66

Median 1Y

$30.30

5th Pctile

$15.83

95th Pctile

$58.05

Ann. Volatility

40.3%

Analyst Target

$35.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Timothy Mattke Chief Executive Officer	$1,050,000	$4,881,783	$8,369,392
Salvatore Miosi Operating and Chief Operating Officer	$758,000	$1,952,742	$4,190,004
Nathaniel Colson EVP, Chief Financial Officer	$600,000	$1,394,802	$2,761,149
Paula Maggio EVP and General Counsel	$636,000	$976,371	$2,423,414

CEO Pay Ratio

97:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $8,369,392

Avg Employee Cost (SGA/emp): $86,716

Employees: 542

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

542

-2.3% YoY

Revenue / Employee

$2,239,269

Rev: $1,213,684,000

Profit / Employee

$1,362,264

NI: $738,347,000

SGA / Employee

$86,716

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	13.0%	13.3%	14.1%	15.9%	18.0%	18.2%	18.0%	16.7%	15.3%	14.7%	14.8%	15.0%	15.0%	14.9%	15.1%	14.8%	14.4%	14.3%	14.1%	13.9%	13.92%
ROA	8.4%	8.7%	9.3%	10.7%	12.4%	12.8%	12.8%	12.1%	11.5%	11.2%	11.4%	11.6%	11.7%	11.7%	11.8%	11.7%	11.3%	11.2%	11.1%	10.8%	10.83%
ROIC	-64.3%	-73.5%	-76.1%	-1.2%	-1.9%	-2.0%	-1.8%	-1.9%	20.4%	-1.9%	-2.0%	-2.4%	-2.4%	-2.9%	-2.5%	-2.6%	-2.4%	13.6%	-2.8%	-2.9%	-2.91%
ROCE	11.3%	11.9%	13.1%	15.4%	18.3%	18.3%	17.5%	16.2%	15.0%	14.4%	14.7%	15.0%	15.0%	15.3%	15.6%	15.4%	14.9%	14.5%	16.1%	14.4%	14.44%
Gross Margin	91.9%	1.1%	1.1%	1.3%	1.3%	1.1%	96.9%	1.1%	99.1%	1.0%	97.8%	1.1%	1.0%	96.3%	96.3%	1.0%	95.8%	89.5%	88.4%	95.8%	95.84%
Operating Margin	67.5%	74.3%	74.5%	1.1%	1.1%	82.3%	68.9%	83.4%	79.1%	80.9%	74.7%	85.1%	82.9%	77.9%	76.6%	80.9%	77.2%	71.2%	72.2%	80.9%	80.85%
Net Margin	53.4%	59.1%	59.4%	85.0%	85.3%	65.5%	54.4%	65.7%	61.7%	65.0%	59.1%	66.9%	65.2%	61.3%	60.6%	63.3%	62.8%	56.7%	55.6%	61.7%	61.66%
EBITDA Margin	79.5%	85.7%	84.8%	1.2%	1.2%	89.4%	75.8%	89.8%	85.4%	86.3%	79.9%	89.5%	87.0%	82.2%	80.4%	84.6%	80.4%	74.5%	72.2%	81.5%	81.51%
FCF Margin	61.3%	58.4%	61.0%	59.8%	56.5%	55.1%	54.3%	55.5%	59.4%	61.5%	59.2%	60.5%	61.1%	59.9%	62.1%	63.3%	66.1%	70.2%	58.5%	59.1%	59.09%
OCF Margin	61.6%	58.7%	61.4%	60.2%	56.8%	55.4%	54.6%	55.6%	59.6%	61.7%	59.3%	60.7%	61.2%	60.0%	62.2%	63.3%	66.1%	70.3%	58.6%	59.2%	59.22%
ROE 3Y Avg	snapshot only																				14.50%
ROE 5Y Avg	snapshot only																				15.25%
ROA 3Y Avg	snapshot only																				11.31%
ROIC Economic	snapshot only																				12.79%
Cash ROA	snapshot only																				10.85%
NOPAT Margin	snapshot only																				60.31%
Pretax Margin	snapshot only																				73.98%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				7.62%
SBC / Revenue	snapshot only																				1.99%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	7.81	7.00	6.09	4.80	4.30	4.20	4.40	5.49	6.30	7.23	8.03	7.47	8.53	7.77	7.76	8.59	8.66	8.93	7.97	8.40	8.917
P/S Ratio	4.01	3.75	3.40	3.08	3.10	3.10	3.20	3.73	3.90	4.46	5.05	4.72	5.47	4.91	4.93	5.38	5.37	5.43	4.76	4.98	4.911
P/B Ratio	0.98	0.91	0.87	0.79	0.80	0.78	0.78	0.89	0.93	1.02	1.15	1.09	1.23	1.15	1.17	1.27	1.26	1.28	1.14	1.19	1.199
P/FCF	6.53	6.42	5.57	5.16	5.50	5.62	5.88	6.71	6.56	7.25	8.53	7.80	8.94	8.19	7.94	8.50	8.13	7.74	8.12	8.42	8.420
P/OCF	6.50	6.38	5.53	5.12	5.46	5.59	5.85	6.70	6.54	7.23	8.51	7.78	8.92	8.18	7.93	8.49	8.12	7.73	8.11	8.40	8.402
EV/EBITDA	-1.15	-1.37	-1.51	-1.46	-1.13	-1.21	-1.34	-0.86	3.23	-0.30	0.43	0.14	0.88	0.48	0.55	1.08	1.04	7.07	0.46	0.74	0.745
EV/Revenue	-0.88	-1.08	-1.23	-1.34	-1.14	-1.23	-1.33	-0.80	2.75	-0.25	0.36	0.12	0.75	0.41	0.46	0.90	0.85	5.66	0.36	0.57	0.575
EV/EBIT	-1.24	-1.47	-1.62	-1.55	-1.19	-1.26	-1.39	-0.90	3.37	-0.31	0.44	0.15	0.90	0.49	0.55	1.10	1.05	7.12	0.47	0.75	0.748
EV/FCF	-1.43	-1.85	-2.02	-2.24	-2.01	-2.22	-2.45	-1.45	4.64	-0.41	0.62	0.20	1.23	0.68	0.75	1.43	1.29	8.06	0.62	0.97	0.973
Earnings Yield	12.8%	14.3%	16.4%	20.8%	23.3%	23.8%	22.8%	18.2%	15.9%	13.8%	12.4%	13.4%	11.7%	12.9%	12.9%	11.6%	11.5%	11.2%	12.5%	11.9%	11.90%
FCF Yield	15.3%	15.6%	18.0%	19.4%	18.2%	17.8%	17.0%	14.9%	15.2%	13.8%	11.7%	12.8%	11.2%	12.2%	12.6%	11.8%	12.3%	12.9%	12.3%	11.9%	11.88%
PEG Ratio	snapshot only																				1.955
Price/Tangible Book	snapshot only																				1.188
EV/OCF	snapshot only																				0.971
EV/Gross Profit	snapshot only																				0.622
Acquirers Multiple	snapshot only																				0.763
Shareholder Yield	snapshot only																				14.94%
Graham Number	snapshot only																				$42.36

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	10.40	37.66	37.664
Quick Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	10.40	37.66	37.664
Debt/Equity	0.26	0.24	0.20	0.20	0.15	0.14	0.14	0.14	0.13	0.13	0.13	0.13	0.12	0.12	0.13	0.13	0.12	0.13	0.13	0.13	0.129
Net Debt/Equity	-1.20	-1.18	-1.19	-1.14	-1.10	-1.09	-1.10	-1.08	-0.27	-1.07	-1.07	-1.06	-1.06	-1.05	-1.06	-1.06	-1.06	0.05	-1.05	-1.05	-1.049
Debt/Assets	0.17	0.16	0.14	0.14	0.11	0.11	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.099
Debt/EBITDA	1.36	1.22	0.97	0.85	0.56	0.56	0.57	0.62	0.65	0.66	0.65	0.64	0.63	0.63	0.62	0.63	0.65	0.67	0.69	0.70	0.701
Net Debt/EBITDA	-6.39	-6.10	-5.68	-4.82	-4.21	-4.26	-4.54	-4.88	-1.34	-5.59	-5.49	-5.39	-5.50	-5.32	-5.27	-5.36	-5.51	0.28	-5.63	-5.70	-5.703
Interest Coverage	11.74	12.24	13.18	15.96	20.06	23.68	26.08	26.83	25.42	25.45	26.43	27.26	28.07	28.21	28.63	28.24	27.70	27.94	27.10	26.63	26.632
Equity Multiplier	1.54	1.51	1.48	1.44	1.36	1.34	1.33	1.31	1.30	1.29	1.28	1.27	1.26	1.27	1.27	1.27	1.28	1.29	1.27	1.30	1.302
Cash Ratio	snapshot only																				36.331
Debt Service Coverage	snapshot only																				26.738
Cash to Debt	snapshot only																				9.134
FCF to Debt	snapshot only																				1.092
Defensive Interval	snapshot only																				10706.5 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.16	0.16	0.17	0.17	0.17	0.17	0.18	0.18	0.19	0.18	0.18	0.18	0.18	0.18	0.19	0.19	0.18	0.18	0.19	0.18	0.183
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	7.90	7.61	8.42	8.40	8.76	8.88	10.94	11.39	11.46	11.21	12.53	12.32	11.71	11.46	11.85	11.45	11.01	14.52	9.44	13.08	13.085
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	46	48	43	43	42	41	33	32	32	33	29	30	31	32	31	32	33	25	39	28	27.9 days
DIO	0	0	0	—	—	—	—	—	—	—	—	—	—	—	—	0	0	0	0	0	0.0 days
DPO	0	0	0	—	—	—	—	—	—	—	—	—	—	—	—	0	0	0	0	0	—
Cash Conversion Cycle	46	48	43	—	—	—	—	—	—	—	—	—	—	—	—	32	33	25	39	28	—
Fixed Asset Turnover	snapshot only																				37.831
Cash Velocity	snapshot only																				0.202
Capital Intensity	snapshot only																				5.459

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	-1.2%	-1.1%	-0.7%	-1.4%	-1.6%	-1.1%	-1.7%	-1.5%	-1.0%	-1.5%	0.3%	1.8%	2.3%	4.6%	4.6%	3.3%	2.2%	0.5%	-1.2%	-1.9%	-1.88%
Net Income	29.8%	42.3%	47.9%	29.2%	38.4%	36.3%	28.0%	4.0%	-15.1%	-17.6%	-13.3%	-5.2%	6.0%	7.0%	5.7%	2.3%	-1.2%	-3.2%	-7.3%	-7.2%	-7.18%
EPS	31.2%	49.5%	62.4%	46.9%	59.3%	54.0%	41.0%	12.6%	-8.7%	-11.4%	-6.4%	2.8%	16.0%	16.9%	17.1%	14.7%	11.4%	9.4%	4.8%	4.7%	4.71%
FCF	11.6%	-5.0%	-2.8%	7.0%	-9.4%	-6.6%	-12.5%	-8.6%	4.1%	9.9%	9.2%	11.0%	5.4%	1.8%	9.8%	7.9%	10.4%	17.7%	-6.9%	-8.4%	-8.35%
EBITDA	30.4%	38.8%	40.2%	23.8%	29.7%	27.0%	20.1%	-0.5%	-16.3%	-18.3%	-14.1%	-6.4%	3.0%	5.0%	4.0%	1.1%	-2.3%	-5.1%	-9.1%	-9.4%	-9.38%
Op. Income	30.7%	43.4%	48.3%	29.2%	38.1%	36.0%	28.2%	4.1%	-14.5%	-17.2%	-13.1%	-4.9%	5.6%	7.4%	6.2%	2.7%	-1.4%	-4.1%	-7.6%	-7.1%	-7.08%
OCF Growth	snapshot only																				-8.28%
Asset Growth	snapshot only																				-0.23%
Equity Growth	snapshot only																				-2.75%
Debt Growth	snapshot only																				0.23%
Shares Change	snapshot only																				-11.36%
Dividend Growth	snapshot only																				15.73%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	2.5%	1.8%	0.9%	0.5%	-0.4%	-1.1%	-1.9%	-2.0%	-1.3%	-1.2%	-0.7%	-0.4%	-0.1%	0.6%	1.0%	1.1%	1.2%	1.1%	1.2%	1.0%	1.02%
Revenue 5Y	2.5%	2.2%	2.1%	2.0%	2.1%	1.9%	1.6%	1.3%	0.9%	0.6%	0.3%	0.3%	0.0%	-0.1%	-0.2%	-0.2%	0.1%	0.2%	0.2%	0.0%	0.03%
EPS 3Y	7.1%	2.1%	4.1%	11.3%	16.3%	16.6%	16.0%	21.2%	24.0%	26.8%	28.9%	19.4%	19.1%	16.8%	15.6%	9.9%	5.7%	4.3%	4.7%	7.3%	7.29%
EPS 5Y	15.8%	17.1%	17.6%	20.6%	19.9%	24.7%	22.3%	17.2%	12.3%	7.8%	8.3%	9.8%	10.7%	10.4%	11.3%	16.0%	19.8%	21.2%	21.3%	15.4%	15.37%
Net Income 3Y	4.3%	-1.8%	-0.9%	4.7%	9.0%	8.7%	8.0%	15.0%	15.1%	16.9%	18.0%	8.4%	7.6%	6.3%	5.5%	0.3%	-3.8%	-5.2%	-5.3%	-3.5%	-3.46%
Net Income 5Y	12.7%	13.1%	12.7%	15.2%	14.2%	19.5%	15.6%	10.5%	5.9%	1.2%	1.5%	2.5%	3.1%	2.5%	2.9%	8.0%	9.8%	10.6%	10.0%	3.9%	3.87%
EBITDA 3Y	-3.3%	-0.6%	0.1%	5.0%	8.7%	7.9%	6.9%	12.6%	12.3%	12.9%	13.1%	4.9%	3.8%	2.9%	2.4%	-2.0%	-5.6%	-6.6%	-6.7%	-5.0%	-4.98%
EBITDA 5Y	9.6%	8.2%	6.4%	8.3%	7.4%	5.6%	5.0%	2.2%	-0.4%	0.4%	0.7%	1.5%	2.0%	1.5%	1.8%	6.2%	7.3%	7.5%	6.4%	1.1%	1.12%
Gross Profit 3Y	-2.3%	1.0%	2.3%	6.7%	10.2%	9.3%	8.6%	13.6%	11.9%	12.3%	12.2%	5.2%	5.1%	3.1%	1.6%	-2.2%	-5.7%	-6.4%	-6.5%	-5.2%	-5.16%
Gross Profit 5Y	6.7%	6.4%	5.9%	7.6%	9.0%	7.2%	6.4%	3.9%	1.3%	1.6%	1.6%	2.4%	2.9%	2.3%	2.5%	6.4%	6.7%	7.1%	6.2%	1.5%	1.49%
Op. Income 3Y	-4.7%	-1.7%	-0.9%	4.8%	9.2%	8.7%	8.0%	15.1%	15.5%	17.3%	18.2%	8.5%	7.6%	6.5%	5.8%	0.6%	-3.8%	-5.2%	-5.2%	-3.2%	-3.18%
Op. Income 5Y	10.9%	9.3%	7.3%	9.7%	8.8%	6.8%	6.2%	3.2%	0.4%	1.3%	1.6%	2.6%	3.3%	2.7%	3.1%	8.3%	9.9%	10.7%	10.1%	4.1%	4.07%
FCF 3Y	12.1%	9.3%	8.4%	8.3%	2.8%	2.3%	0.5%	-4.8%	1.7%	-0.8%	-2.4%	2.8%	-0.2%	1.5%	1.6%	3.1%	6.6%	9.6%	3.7%	3.2%	3.16%
FCF 5Y	77.2%	27.0%	16.2%	16.0%	9.2%	10.6%	7.2%	4.0%	5.9%	6.0%	4.0%	5.2%	3.5%	3.7%	4.0%	0.7%	4.1%	3.2%	-1.0%	1.4%	1.44%
OCF 3Y	11.3%	8.5%	8.1%	7.9%	2.5%	2.2%	0.3%	-4.8%	1.6%	-0.9%	-2.5%	2.7%	-0.3%	1.4%	1.4%	2.9%	6.4%	9.5%	3.6%	3.1%	3.14%
OCF 5Y	72.2%	26.0%	15.5%	15.0%	8.5%	9.8%	6.5%	3.5%	5.4%	5.5%	3.7%	4.9%	3.3%	3.5%	3.8%	0.6%	4.0%	3.1%	-1.1%	1.4%	1.37%
Assets 3Y	9.9%	8.9%	5.3%	2.9%	0.0%	-0.1%	1.1%	-1.1%	-4.0%	-3.8%	-4.1%	-4.9%	-3.8%	-3.7%	-1.5%	-0.3%	2.5%	2.2%	0.3%	0.9%	0.90%
Assets 5Y	5.0%	5.0%	3.0%	3.3%	1.6%	2.0%	2.5%	2.6%	2.3%	2.9%	2.2%	1.5%	1.7%	1.0%	1.2%	-0.1%	-1.5%	-2.0%	-2.8%	-2.9%	-2.94%
Equity 3Y	11.8%	10.7%	6.5%	4.3%	3.0%	2.5%	4.0%	3.4%	2.5%	2.6%	2.5%	1.4%	2.8%	2.1%	3.7%	4.1%	4.4%	3.5%	1.8%	1.2%	1.15%
Book Value 3Y	14.8%	15.1%	11.9%	10.8%	9.8%	9.9%	11.8%	9.0%	10.4%	11.3%	12.1%	11.6%	13.7%	12.2%	13.6%	14.1%	14.8%	13.8%	12.5%	12.4%	12.42%
Dividend 3Y	5.1%	8.9%	12.2%	15.1%	13.7%	13.2%	12.7%	10.3%	12.1%	12.3%	12.7%	13.0%	13.2%	12.1%	11.0%	10.5%	10.6%	10.5%	11.3%	12.1%	12.09%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.87	0.74	0.62	0.57	0.54	0.40	0.26	0.17	0.21	0.13	0.04	0.03	0.11	0.14	0.10	0.07	0.01	0.08	0.20	0.12	0.119
Earnings Stability	0.53	0.35	0.33	0.68	0.56	0.42	0.39	0.65	0.42	0.15	0.17	0.50	0.39	0.31	0.37	0.69	0.48	0.40	0.39	0.19	0.189
Margin Stability	0.85	0.86	0.87	0.84	0.80	0.80	0.81	0.82	0.81	0.81	0.82	0.89	0.87	0.88	0.89	0.84	0.82	0.81	0.82	0.90	0.901
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.88	0.83	0.81	0.88	0.85	0.85	0.89	0.98	0.94	0.93	0.95	0.98	0.98	0.97	0.98	0.99	1.00	0.99	0.97	0.97	0.971
Earnings Smoothness	0.74	0.65	0.61	0.75	0.68	0.69	0.75	0.96	0.84	0.81	0.86	0.95	0.94	0.93	0.94	0.98	0.99	0.97	0.92	0.93	0.926
ROE Trend	-0.01	0.00	0.02	0.05	0.07	0.07	0.06	0.02	-0.01	-0.02	-0.02	-0.02	-0.02	-0.02	-0.01	-0.01	-0.00	-0.00	-0.00	-0.01	-0.006
Gross Margin Trend	0.08	0.15	0.20	0.31	0.41	0.40	0.34	0.14	-0.01	-0.06	-0.07	-0.09	-0.09	-0.10	-0.10	-0.08	-0.05	-0.05	-0.07	-0.08	-0.076
FCF Margin Trend	0.08	0.03	0.04	0.02	-0.01	-0.04	-0.07	-0.02	0.00	0.05	0.01	0.03	0.03	0.02	0.05	0.05	0.06	0.09	-0.02	-0.03	-0.028
Sustainable Growth Rate	11.2%	11.3%	12.0%	13.8%	15.7%	15.9%	15.6%	14.2%	12.8%	12.1%	12.3%	12.4%	12.5%	12.3%	12.6%	12.3%	11.9%	11.7%	11.5%	11.3%	11.27%
Internal Growth Rate	7.7%	8.0%	8.5%	10.1%	12.2%	12.5%	12.4%	11.5%	10.6%	10.2%	10.4%	10.6%	10.8%	10.7%	10.9%	10.7%	10.3%	10.1%	9.9%	9.6%	9.62%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.20	1.10	1.10	0.94	0.79	0.75	0.75	0.82	0.96	1.00	0.94	0.96	0.96	0.95	0.98	1.01	1.07	1.16	0.98	1.00	1.000
FCF/OCF	1.00	0.99	0.99	0.99	0.99	0.99	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.998
FCF/Net Income	snapshot only																				0.998
OCF/EBITDA	snapshot only																				0.767
CapEx/Revenue	0.3%	0.3%	0.4%	0.4%	0.4%	0.3%	0.2%	0.2%	0.2%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.13%
CapEx/Depreciation	snapshot only																				0.418
Accruals Ratio	-0.02	-0.01	-0.01	0.01	0.03	0.03	0.03	0.02	0.00	-0.00	0.01	0.00	0.01	0.01	0.00	-0.00	-0.01	-0.02	0.00	-0.00	-0.000
Sloan Accruals	snapshot only																				0.912
Cash Flow Adequacy	snapshot only																				5.200
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	1.9%	2.1%	2.5%	2.9%	2.9%	3.1%	3.1%	2.8%	2.7%	2.4%	2.1%	2.3%	2.0%	2.2%	2.2%	2.0%	2.0%	2.0%	2.3%	2.3%	2.17%
Dividend/Share	$0.25	$0.28	$0.31	$0.33	$0.35	$0.37	$0.39	$0.41	$0.42	$0.44	$0.46	$0.48	$0.50	$0.51	$0.53	$0.55	$0.57	$0.59	$0.61	$0.64	$0.62
Payout Ratio	14.5%	14.8%	15.1%	13.7%	12.6%	12.8%	13.6%	15.1%	16.8%	17.2%	17.2%	17.2%	17.0%	17.1%	16.9%	17.2%	17.5%	17.9%	18.6%	19.0%	19.02%
FCF Payout Ratio	12.1%	13.6%	13.8%	14.8%	16.2%	17.2%	18.2%	18.5%	17.5%	17.3%	18.3%	17.9%	17.8%	18.0%	17.3%	17.0%	16.4%	15.6%	19.0%	19.1%	19.06%
Total Payout Ratio	40.0%	61.7%	77.9%	81.2%	65.0%	57.4%	53.6%	55.4%	58.3%	64.5%	65.9%	76.0%	81.9%	91.7%	1.1%	1.1%	1.2%	1.2%	1.2%	1.3%	1.26%
Div. Increase Streak	1	1	1	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.09	0.17	0.24	0.30	0.24	0.21	0.19	0.17	0.15	0.13	0.12	0.10	0.09	0.08	0.06	0.04	0.04	0.04	0.04	0.05	0.048
Buyback Yield	3.3%	6.7%	10.3%	14.0%	12.2%	10.6%	9.1%	7.3%	6.6%	6.5%	6.1%	7.9%	7.6%	9.6%	11.6%	11.1%	12.2%	12.0%	13.2%	12.7%	12.68%
Net Buyback Yield	3.3%	6.7%	10.3%	14.0%	12.2%	10.6%	9.1%	7.3%	6.6%	6.5%	6.1%	7.9%	7.6%	9.6%	11.6%	11.1%	12.2%	12.0%	13.2%	12.7%	12.68%
Total Shareholder Return	5.1%	8.8%	12.8%	16.9%	15.1%	13.7%	12.2%	10.1%	9.3%	8.9%	8.2%	10.2%	9.6%	11.8%	13.8%	13.1%	14.2%	14.0%	15.5%	14.9%	14.94%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.80	0.80	0.80	0.800
Interest Burden (EBT/EBIT)	0.91	0.92	0.92	0.94	0.95	0.96	0.96	0.96	0.96	0.96	0.96	0.96	0.96	0.96	0.97	0.96	0.96	0.96	0.96	0.96	0.963
EBIT Margin	0.71	0.74	0.76	0.86	0.96	0.97	0.95	0.89	0.82	0.81	0.83	0.83	0.84	0.83	0.84	0.83	0.81	0.79	0.78	0.77	0.769
Asset Turnover	0.16	0.16	0.17	0.17	0.17	0.17	0.18	0.18	0.19	0.18	0.18	0.18	0.18	0.18	0.19	0.19	0.18	0.18	0.19	0.18	0.183
Equity Multiplier	1.56	1.54	1.53	1.49	1.45	1.42	1.41	1.38	1.33	1.31	1.30	1.29	1.28	1.28	1.28	1.27	1.27	1.28	1.27	1.29	1.285

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$1.73	$1.87	$2.03	$2.41	$2.76	$2.88	$2.87	$2.72	$2.52	$2.56	$2.68	$2.79	$2.92	$2.99	$3.14	$3.20	$3.26	$3.27	$3.29	$3.36	$3.36
Book Value/Share	$13.80	$14.34	$14.21	$14.58	$14.78	$15.48	$16.21	$16.73	$17.00	$18.18	$18.68	$19.17	$20.30	$20.26	$20.85	$21.66	$22.36	$22.80	$23.09	$23.77	$23.88
Tangible Book/Share	$13.80	$14.34	$14.21	$14.58	$14.78	$15.48	$16.21	$16.73	$17.00	$18.18	$18.68	$19.17	$20.30	$20.26	$20.85	$21.66	$22.36	$22.77	$23.05	$23.73	$23.73
Revenue/Share	$3.38	$3.50	$3.64	$3.76	$3.82	$3.91	$3.94	$4.00	$4.07	$4.14	$4.27	$4.42	$4.56	$4.73	$4.95	$5.12	$5.26	$5.38	$5.52	$5.67	$5.70
FCF/Share	$2.07	$2.04	$2.22	$2.24	$2.16	$2.16	$2.14	$2.22	$2.42	$2.55	$2.52	$2.68	$2.79	$2.84	$3.07	$3.24	$3.47	$3.77	$3.23	$3.35	$3.37
OCF/Share	$2.08	$2.05	$2.24	$2.26	$2.17	$2.17	$2.15	$2.23	$2.43	$2.56	$2.53	$2.68	$2.79	$2.84	$3.08	$3.24	$3.48	$3.78	$3.24	$3.36	$3.37
Cash/Share	$20.01	$20.28	$19.76	$19.53	$18.37	$19.13	$20.10	$20.42	$6.90	$21.82	$22.35	$22.75	$23.97	$23.82	$24.72	$25.62	$26.52	$1.66	$27.22	$28.01	$28.15
EBITDA/Share	$2.58	$2.77	$2.97	$3.45	$3.85	$3.98	$3.93	$3.71	$3.47	$3.49	$3.64	$3.77	$3.91	$4.01	$4.19	$4.28	$4.31	$4.30	$4.31	$4.37	$4.37
Debt/Share	$3.52	$3.38	$2.88	$2.93	$2.16	$2.21	$2.25	$2.29	$2.25	$2.31	$2.36	$2.41	$2.47	$2.53	$2.62	$2.71	$2.79	$2.86	$2.96	$3.07	$3.07
Net Debt/Share	$-16.49	$-16.89	$-16.88	$-16.60	$-16.21	$-16.92	$-17.84	$-18.13	$-4.65	$-19.51	$-19.99	$-20.34	$-21.50	$-21.29	$-22.10	$-22.91	$-23.73	$1.20	$-24.25	$-24.94	$-24.94

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	20.329
Altman Z-Prime	snapshot only																				12.651
Piotroski F-Score	7	7	8	7	7	7	6	6	4	5	5	6	6	5	5	7	5	5	3	4	4
Beneish M-Score	-2.41	-2.59	-2.86	-2.98	-2.92	-2.71	-2.55	-2.42	-2.31	-2.45	-2.39	-2.37	-2.41	-2.36	-2.33	-2.34	-2.39	-2.95	-2.02	-3.20	-3.199
Ohlson O-Score	snapshot only																				-11.517
ROIC (Greenblatt)	snapshot only																				15.33%
Net-Net WC	snapshot only																				$21.86

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AAA
Credit Score	86.12	82.40	91.58	93.53	95.82	96.89	96.53	96.87	95.76	95.48	94.91	95.39	94.86	94.61	95.63	94.67	94.44	95.33	96.42	95.12	95.119
Credit Grade	snapshot only																				1
Credit Trend	snapshot only																				0.447
Implied Spread (bps)	snapshot only																				50.000
Industry Credit Rank	snapshot only																				85
Sector Credit Rank	snapshot only																				96

MTG NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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