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MGIC Investment (MTG) investor relations material
MGIC Investment Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Q3 2025 net income was $191.1 million ($0.83 per diluted share), with adjusted net operating income of $190.8 million, reflecting stable profitability and strong capital management.
Annualized ROE was 14.8%, and book value per share grew to $22.87, up 11% year-over-year.
Insurance in force surpassed $300 billion, with NIW of $16.5 billion in Q3 and persistency at 85.0%.
Maintained strong credit quality with a weighted average FICO of 748 and average LTV of 93.4%.
S&P revised its outlook to positive from stable on the company and its subsidiaries.
Financial highlights
Net premiums earned for Q3 2025 were $241.8 million, nearly flat year-over-year; investment income was $62.2 million.
Net income and adjusted net operating income were $0.83 per diluted share, up from $0.77 per share year-over-year.
Losses incurred, net, were $10.9 million in Q3 2025, reflecting favorable prior period development.
Underwriting and other expenses, net, decreased 8% year-over-year for the nine months, totaling $149.5 million.
Book value per share rose to $22.87 from $20.66 year-over-year.
Outlook and guidance
Persistency rate remains high at 85.0%, supporting stable premium yields.
2025 NIW expected to exceed 2024, driven by higher market position.
Full-year operating expenses expected at the higher end of $195–$205 million due to pension settlement charges.
Amended 2022 quota share reinsurance transaction, reducing cede rate from 30% to 28% effective December 31, 2025.
Scheduled contingency reserve releases projected through 2035, supporting future capital flexibility.
Future capital return strategy and payout ratio
Impact of potential new MI entrants?
PMIERs impact of new credit score models?
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Next MGIC Investment earnings date
Q4 20255 Feb, 2026
Next MGIC Investment earnings date
Q4 20255 Feb, 2026
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Frequently asked questions
MGIC Investment Corporation provides private mortgage insurance and related services to mortgage lenders. Its insurance products help protect lenders against borrower default, primarily in the residential housing market. The company is headquartered in Milwaukee, Wisconsin, and its shares are listed on the NYSE.
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