NYSE$MTG

MGIC Investment Corporation · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

MGIC Investment Corporation reported solid financial results for Q2 2023, marked by a decrease in net income but strong performance in new insurance written and persistency.

MGIC Investment Corporation reported a net income of $191.1 million for the second quarter of 2023, with adjusted net operating income of $196.0 million. New insurance written was $12.4 billion, and persistency was 83.5%. The company paid a dividend of $0.10 per common share and repurchased 5.0 million shares of common stock.

  • Net income for Q2 2023 was $191.1 million, or $0.66 per diluted share.
  • Adjusted net operating income for Q2 2023 was $196.0 million, or $0.68 per diluted share.
  • New insurance written in Q2 2023 was $12.4 billion.
  • Persistency was 83.5% at June 30, 2023.

Headline financials

Total Revenue

$291M

Previous: $293M-0.8%
EPS (adj)

$0.68

Previous: $0.81-16.0%
New Insurance Written (NIW)

$12.4B

Previous: $24.3B-49.0%
Insurance In Force (IIF)

$293B

Previous: $287B+2.0%
Loss Ratio

-7.3%

Previous: -38.7%+81.1%
Underwriting Expense Ratio

24.1%

Previous: 22.4%+7.6%
Net Premium Yield (bps)

33.2

Previous: 36.2-8.3%
Capital Expenditures

-$671K

Previous: -$2.15M+68.7%
Free Cash Flow

$190M

Previous: $247M-23.0%
Net Income

$191M

Previous: $249M-23.4%
Operating Income

$222M

Previous: $123M+80.6%
Gross Profit

$276M

Previous: $176M+56.4%
Cash & Equivalents

$311M

Previous: $410M-24.2%
Total Assets

$6.35B

Previous: $6.6B-3.7%
Stock-Based Comp

$7.84M

Previous: $7.77M+0.8%

Revenue & EPS history

MGIC · Revenue · Quarterly

$291M

Q2 2023-0.8%vs Q2 2022
Beat estimate in 1 of 15 quarters(7%)
ActualEstimate

Forward guidance

The provided text does not contain explicit forward guidance. The forward looking statements and risk factors section indicates uncertainty and advises against relying on the current state of statements.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2023

Historical avgQ2 2023

-0.2%

Avg return

Earnings day

+0.9%

Avg return

5 days after

+3.3%

Avg return

30 days after

54%

37 / 68 earnings

Positive

+35.4%

Q4 2012

Best reaction

-65.7%

Q2 2012

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-9.0%-9.9%-13.5%
Q4 2025-5.2%-0.9%-2.8%
Q3 2025+0.8%+2.5%+8.2%
Q1 2025+1.6%+4.4%+6.2%
Q4 2024+1.8%+0.5%-6.0%
Q3 2024+1.2%+3.8%+8.8%
Q2 2024-1.0%-5.5%+2.7%
Q1 2024+1.1%+3.3%+3.6%
Q4 2023-1.2%-4.8%-2.0%
Q3 2023+1.4%+6.3%+5.4%
Q2 2023+5.3%+7.9%+6.0%
Q1 2023-1.4%+1.3%+6.8%
Q4 2022+1.2%-2.4%-1.5%
Q3 2022-1.8%-1.2%-2.5%
Q2 2022+3.5%+3.5%-0.3%
Q1 2022-0.5%-3.8%+1.8%
Q4 2021-0.7%+1.3%-4.7%
Q3 2021-6.8%-4.3%-14.0%
Q2 2021+1.8%+3.8%+10.6%
Q1 2021-8.1%-8.0%-4.5%
Q4 2020+1.7%-3.7%+1.3%
Q3 2020-4.0%+3.7%+16.7%
Q2 2020+1.7%+3.4%+12.1%
Q1 2020+5.9%+0.0%+45.5%
Q4 2019+3.0%+1.1%-9.4%
Q3 2019+2.8%+3.0%+2.5%
Q2 2019+3.2%-3.0%-5.1%
Q1 2019+3.6%+5.3%-0.9%
Q4 2018+2.0%+1.0%+13.6%
Q3 2018-0.9%-2.8%-4.8%
Q2 2018+9.7%+10.7%+11.1%
Q1 2018-3.9%-4.2%-0.7%
Q4 2017+3.2%+4.0%-5.3%
Q3 2017+5.4%+4.5%+9.8%
Q2 2017+0.6%-1.4%-4.4%
Q1 2017-1.6%-0.5%-3.0%
Q4 2016+2.1%+1.0%+4.4%
Q3 2016+6.7%+7.3%+13.7%
Q2 2016+7.2%+8.5%+23.4%
Q1 2016-4.5%
Q4 2015-13.7%
Q3 2015+2.2%
Q2 2015-2.4%
Q1 2015+2.1%
Q4 2014+0.6%
Q3 2014+6.0%
Q2 2014-7.2%
Q1 2014+6.4%
Q4 2013-7.6%
Q3 2013+12.9%
Q2 2013+12.3%
Q1 2013-6.6%
Q4 2012+35.4%
Q3 2012-3.0%
Q2 2012-65.7%
Q1 2012+2.6%
Q4 2011-2.0%
Q3 2011-11.0%
Q2 2011+9.0%
Q1 2010+1.6%
Q1 2011+1.4%
Q4 2008-3.4%
Q4 2010-3.4%
Q3 2010-2.4%
Q3 2009-2.4%
Q4 2009-1.6%
Q2 2010-1.6%
Q2 2009-1.6%

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