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PR Newswire | 03. Februar 2025, 16:05

MGIC Investment Corporation Reports Fourth Quarter 2024 Results

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MILWAUKEE, Feb. 3, 2025

Fourth Quarter 2024 Net Income of $184.7 million or $0.72 per Diluted Share

Fourth Quarter 2024 Adjusted Net Operating Income (Non-GAAP) of $184.5 million or $0.72 per Diluted Share

Full Year 2024 Net Income of $763.0 million or $2.89 per Diluted Share

Full Year 2024 Adjusted Net Operating Income (Non-GAAP) of $768.5 million or $2.91 per Diluted Share

MILWAUKEE, Feb. 3, 2025 /PRNewswire/ -- MGIC Investment Corporation (NYSE: MTG) today reported operating and financial results for the fourth quarter of 2024.

Tim Mattke, CEO of MTG and Mortgage Guaranty Insurance Corporation ("MGIC") said, "As we close another year on a high note with strong financial results in the fourth quarter while returning meaningful capital to our shareholders, I am looking forward to the opportunities that lie before us in the new year. With the solid foundation we have built, our leadership in the market, and our talented team, I remain confident in our ability to execute on our business strategies and achieve success for all of our stakeholders." concluded Mattke.

SUMMARY FINANCIAL METRICS	Quarter ended
($ in millions, except where otherwise noted)	Q4 2024	Q3 2024	Q4 2023
Net income	$ 184.7	$ 200.0	$ 184.5
Net income per diluted share	$ 0.72	$ 0.77	$ 0.66
Adjusted net operating income	$ 184.5	$ 200.7	$ 187.6
Adjusted net operating income per diluted share	$ 0.72	$ 0.77	$ 0.67
New insurance written (NIW) (billions)	$ 15.9	$ 17.2	$ 10.9
Net premiums earned	$ 241.3	$ 243.3	$ 226.4
Insurance in force (billions)	$ 295.4	$ 292.8	$ 293.5
Annual persistency	84.8 %	85.3 %	86.1 %
Losses incurred, net	$ 8.7	$ (9.8)	$ (9.5)
Primary delinquency inventory	26,791	25,089	25,650
Primary IIF delinquency rate (count based)	2.40 %	2.24 %	2.25 %
Loss ratio	3.6 %	(4.0 %)	(4.2 %)
Underwriting expense ratio	20.8 %	22.4 %	24.6 %
In force portfolio yield (bps)	38.6	38.9	38.6
Net premium yield (bps)	32.9	33.4	30.8
Annualized return on equity	14.0 %	15.6 %	15.2 %
Book value per common share outstanding	$ 20.82	$ 20.66	$ 18.61
Adjust for AOCI	$ 1.16	$ 0.80	$ 1.16
Tangible book value per share	$ 21.98	$ 21.46	$ 19.77

CAPITAL AND LIQUIDITY	As of
($ in billions, except where otherwise noted)	December 31, 2024	September 30, 2024	December 31, 2023
PMIERs available assets	$ 5.8	$ 6.0	$ 5.8
PMIERs excess	$ 2.2	$ 2.5	$ 2.4
Holding company liquidity (millions)	$ 1,076	$ 841	$ 918

FOURTH QUARTER 2024 HIGHLIGHTS

We paid a dividend of $0.13 per common share to shareholders.
We repurchased 7.8 million shares of common stock for $193.3 million.
MGIC paid a dividend of $400 million to the holding company.
We agreed upon the terms of a 40% quota share transaction with a group of unaffiliated reinsurers covering most of our 2025 and 2026 NIW.
We previously announced that we exercised the early termination option on our 2021 quota share reinsurance transaction. After providing reinsurers the termination notice but prior to the termination date, we agreed to amended terms with certain participants from the existing reinsurance panel that effectively reduces the quota share cede rate from 30% to 26% on the remaining eligible insurance. We paid a termination fee of approximately $1 million to the non-participating reinsurers. The amended agreement was effective December 31, 2024.

FIRST QUARTER 2025 HIGHLIGHTS

In January 2025, we repurchased an additional 3.5 million shares of our common stock for $85.5 million.
We declared a dividend of $0.13 per common share to shareholders payable on March 5th, 2025, to shareholders of record at the close of business on February 18th, 2025.

Conference Call and Webcast Details

MGIC Investment Corporation will hold a conference call February 4, 2025, at 10 a.m. ET to allow securities analysts and shareholders the opportunity to hear management discuss the company's quarterly results. Individuals interested in joining by telephone should register for the call at https://register.vevent.com/register/BI0788299b97c44801aefdf12466578f0e to receive the dial-in number and unique PIN to access the call. It is recommended that you join the call at least 10 minutes before the conference call begins. The call is also being webcast and can be accessed at the company's website at http://mtg.mgic.com/ under "Newsroom." A replay of the webcast will be available on the company's website through March 4, 2025.

About MGIC

Mortgage Guaranty Insurance Corporation (MGIC) (www.mgic.com), the principal subsidiary of MGIC Investment Corporation, serves lenders throughout the United States, helping families achieve homeownership sooner by making affordable low-down-payment mortgages a reality through the use of private mortgage insurance. At December 31, 2024, MGIC had $295.4 billion of primary insurance in force covering 1.1 million mortgages.

This press release, which includes certain additional statistical and other information, including non-GAAP financial information and a supplement that contains various portfolio statistics, are all available on the Company's website at https://mtg.mgic.com/ under "Newsroom."

From time to time MGIC Investment Corporation releases important information via postings on its corporate website, and via postings on MGIC's website for information related to underwriting and pricing, and intends to continue to do so in the future. Such postings include corrections of previous disclosures and may be made without any other disclosure. Investors and other interested parties are encouraged to enroll to receive automatic email alerts and Really Simple Syndication (RSS) feeds regarding new postings. Enrollment information for MGIC Investment Corporation alerts can be found at https://mtg.mgic.com/shareholder-services/email-alerts. For information about our underwriting and rates, see https://www.mgic.com/underwriting.

Safe Harbor Statement

Forward Looking Statements and Risk Factors:

Our actual results could be affected by the risk factors below. These risk factors should be reviewed in connection with this press release and our periodic reports to the Securities and Exchange Commission ("SEC"). These risk factors may also cause actual results to differ materially from the results contemplated by forward looking statements that we may make. Forward looking statements consist of statements which relate to matters other than historical fact, including matters that inherently refer to future events. Among others, statements that include words such as "believe," "anticipate," "will" or "expect," or words of similar import, are forward looking statements. We are not undertaking any obligation to update any forward looking statements or other statements we may make even though these statements may be affected by events or circumstances occurring after the forward looking statements or other statements were made. No investor should rely on the fact that such statements are current at any time other than the time at which this press release was delivered for dissemination to the public.

While we communicate with security analysts from time to time, it is against our policy to disclose to them any material non-public information or other confidential information. Accordingly, investors should not assume that we agree with any statement or report issued by any analyst irrespective of the content of the statement or report, and such reports are not our responsibility.

Use of Non-GAAP financial measures

We believe that use of the Non-GAAP financial measures of adjusted pre-tax operating income (loss), adjusted net operating income (loss) and adjusted net operating income (loss) per diluted share facilitate the evaluation of the company's core financial performance thereby providing relevant information to investors. These measures are not recognized in accordance with accounting principles generally accepted in the United States of America (GAAP) and should not be viewed as alternatives to GAAP measures of performance.

Adjusted pre-tax operating income (loss) is defined as GAAP income (loss) before tax, excluding the effects of net realized investment gains (losses), gain and losses on debt extinguishment and infrequent or unusual non-operating items where applicable.

Adjusted net operating income (loss) is defined as GAAP net income (loss) excluding the after-tax effects of net realized investment gains (losses), gain and losses on debt extinguishment and infrequent or unusual non-operating items where applicable. The amounts of adjustments to components of pre-tax operating income (loss) are tax effected using a federal statutory tax rate of 21%.

Adjusted net operating income (loss) per diluted share is calculated in a manner consistent with the accounting standard regarding earnings per share by dividing (i) adjusted net operating income (loss) after making adjustments for interest expense on convertible debt, whenever the impact is dilutive, by (ii) diluted weighted average common shares outstanding, which reflects share dilution from unvested restricted stock units and from convertible debt when dilutive under the "if-converted" method.

Although adjusted pre-tax operating income (loss) and adjusted net operating income (loss) exclude certain items that have occurred in the past and are expected to occur in the future, the excluded items represent items that are: (1) not viewed as part of the operating performance of our primary activities; or (2) impacted by both discretionary and other economic or regulatory factors and are not necessarily indicative of operating trends, or both. These adjustments, along with the reasons for their treatment, are described below. Trends in the profitability of our fundamental operating activities can be more clearly identified without the fluctuations of these adjustments. Other companies may calculate these measures differently. Therefore, their measures may not be comparable to those used by us.

(1)	Net realized investment gains (losses). The recognition of net realized investment gains or losses can vary significantly across periods as the timing of individual securities sales is highly discretionary and is influenced by such factors as market opportunities, our tax and capital profile, and overall market cycles.

(2)	Gains and losses on debt extinguishment. Gains and losses on debt extinguishment result from discretionary activities that are undertaken to enhance our capital position, and/or improve our debt profile.

(3)	Infrequent or unusual non-operating items. Items that are non-recurring in nature and are not part of our primary operating activities.

MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)

	Three Months Ended December 31,		Twelve Months Ended December 31,
(In thousands, except per share data)	2024	2023	2024	2023

Net premiums written	$ 232,104	$ 219,134	$ 933,388	$ 915,041
Revenues
Net premiums earned	$ 241,295	$ 226,448	$ 970,807	$ 952,551
Net investment income	61,324	57,802	244,640	214,740
Net gains (losses) on investments and other financial instruments	(1,644)	(761)	(9,846)	(14,141)
Other revenue	469	468	2,130	1,952
Total revenues	301,444	283,957	1,207,731	1,155,102
Losses and expenses
Losses incurred, net	8,698	(9,534)	(14,861)	(20,856)
Underwriting and other expenses, net	49,139	54,744	218,281	236,824
Interest expense	8,899	8,900	35,602	36,905
Total losses and expenses	66,736	54,110	239,022	252,873
Income before tax	234,708	229,847	968,709	902,229
Provision for income taxes	50,008	45,343	205,715	189,280
Net income	$ 184,700	$ 184,504	$ 762,994	$ 712,949
Net income per diluted share	$ 0.72	$ 0.66	$ 2.89	$ 2.49

MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
EARNINGS PER SHARE (UNAUDITED)

	Three Months Ended December 31,		Twelve Months Ended December 31,
(In thousands, except per share data)	2024	2023	2024	2023
Net income	$ 184,700	$ 184,504	$ 762,994	$ 712,949
Interest expense, net of tax:
9% Convertible Junior Subordinated Debentures	—	—	—	1,026
Diluted net income available to common shareholders	$ 184,700	$ 184,504	$ 762,994	$ 713,975

Weighted average shares - basic	252,644	275,955	261,684	283,605
Effect of dilutive securities:
Unvested restricted stock units	2,658	2,991	2,311	2,427
9% Convertible Junior Subordinated Debentures	—	—	—	1,123
Weighted average shares - diluted	255,302	278,946	263,995	287,155
Net income per diluted share	$ 0.72	$ 0.66	$ 2.89	$ 2.49

NON-GAAP RECONCILIATIONS

Reconciliation of Income before tax / Net income to Adjusted pre-tax operating income / Adjusted net operating income

Three Months Ended December 31,

2024

2023

(In thousands, except per share amounts)

Pre-tax

Tax Effect

Net

(after-tax)

Pre-tax

Tax Effect

Net

(after-tax)

Income before tax / Net income

$ 234,708

$ 50,008

$ 184,700

$ 229,847

$ 45,343

$ 184,504

Adjustments:

Net realized investment (gains) losses

(254)

(53)

(201)

3,930

825

3,105

Adjusted pre-tax operating income / Adjusted

net operating income

$ 234,454

$ 49,955

$ 184,499

$ 233,777

$ 46,168

$ 187,609

Reconciliation of Net income per diluted share to Adjusted net operating income per diluted share

Weighted average shares - diluted

255,302

278,946

Net income per diluted share

$ 0.72

$ 0.66

Net realized investment (gains) losses

—

0.01

Adjusted net operating income per diluted share

$ 0.72

$ 0.67

Reconciliation of Income before tax / Net income to Adjusted pre-tax operating income / Adjusted net operating income

Twelve Months Ended December 31,

2024

2023

(In thousands, except per share amounts)

Pre-tax

Tax Effect

Net
(after-tax)

Pre-tax

Tax Effect

Net
(after-tax)

Income before tax / Net income

$ 968,709

$ 205,715

$ 762,994

$ 902,229

$ 189,280

$ 712,949

Adjustments:

Net realized investment (gains) losses

6,914

1,452

5,462

14,549

3,055

11,494

Adjusted pre-tax operating income / Adjusted
net operating income

$ 975,623

$ 207,167

$ 768,456

$ 916,778

$ 192,335

$ 724,443

Reconciliation of Net income per diluted share to Adjusted net operating income per diluted share

Weighted average shares - diluted

263,995

287,155

Net income per diluted share

$ 2.89

$ 2.49

Net realized investment (gains) losses

0.02

0.04

Adjusted net operating income per diluted share

$ 2.91

$ 2.53

MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED)

	December 31,	December 31,	December 31,
(In thousands, except per share data)	2024	2023	2022
ASSETS
Investments ⁽¹⁾	$ 5,867,560	$ 5,738,734	$ 5,424,688
Cash and cash equivalents	229,485	363,666	327,384
Restricted cash and cash equivalents	5,142	6,978	5,529
Reinsurance recoverable on loss reserves ⁽²⁾	47,281	33,302	28,240
Home office and equipment, net	35,679	38,755	41,419
Deferred insurance policy acquisition costs	11,694	14,591	19,062
Deferred income taxes, net	69,875	79,782	124,769
Other assets	280,519	262,572	242,702
Total assets	$ 6,547,235	$ 6,538,380	$ 6,213,793

LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities:
Loss reserves ⁽²⁾	$ 462,662	$ 505,379	$ 557,988
Unearned premiums	120,360	157,779	195,289
Senior notes	644,667	643,196	641,724
Convertible junior debentures	—	—	21,086
Other liabilities	147,171	160,009	154,966
Total liabilities	1,374,860	1,466,363	1,571,053
Shareholders' equity	5,172,375	5,072,017	4,642,740
Total liabilities and shareholders' equity	$ 6,547,235	$ 6,538,380	$ 6,213,793
Book value per share ⁽³⁾	$ 20.82	$ 18.61	$ 15.82

⁽¹⁾ Investments include net unrealized gains (losses) on securities	$ (326,428)	$ (337,909)	$ (518,871)
⁽²⁾ Loss reserves, net of reinsurance recoverable on loss reserves	$ 415,381	$ 472,077	$ 529,748
⁽³⁾ Shares outstanding	248,449	272,494	293,433

MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
ADDITIONAL INFORMATION - NEW INSURANCE WRITTEN

	2024				2023	Year-to-date
	Q4	Q3	Q2	Q1	Q4	2024	2023
New primary insurance written (NIW) (billions)	$ 15.9	$ 17.2	$ 13.5	$ 9.1	$ 10.9	$ 55.7	$ 46.1

Monthly (including split premium plans) and annual premium plans	15.5	16.8	13.2	8.8	10.3	54.3	44.2
Single premium plans	0.4	0.3	0.4	0.3	0.6	1.4	1.9

Product mix as a % of primary NIW
FICO < 680	4 %	4 %	4 %	3 %	4 %	4 %	4 %
>95% LTVs	13 %	13 %	14 %	15 %	13 %	14 %	12 %
>45% DTI	29 %	29 %	29 %	28 %	30 %	29 %	26 %
Singles	2 %	2 %	3 %	3 %	5 %	2 %	4 %
Refinances	8 %	3 %	2 %	2 %	3 %	4 %	2 %

New primary risk written (billions)	$ 4.1	$ 4.5	$ 3.5	$ 2.4	$ 2.8	$ 14.5	$ 11.9

MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
ADDITIONAL INFORMATION - INSURANCE IN FORCE and RISK IN FORCE

	2024					2023
	Q4	Q3		Q2	Q1	Q4
Primary Insurance In Force (IIF) (billions)	$ 295.4	$ 292.8	(1)	$ 291.6	$ 290.9	$ 293.5
Total # of loans	1,118,308	1,119,300		1,116,159	1,123,209	1,139,796

Premium Yield
In force portfolio yield ⁽²⁾	38.6	38.9	(1)	38.4	38.5	38.6
Premium refunds ⁽³⁾	0.0	(0.1)		0.2	0.1	(0.5)
Accelerated earnings on single premium	0.4	0.3		0.3	0.3	0.5
Total direct premium yield	39.0	39.1		38.9	38.9	38.6
Ceded premiums earned, net of profit commission and assumed premiums ⁽⁴⁾	(6.1)	(5.7)		(5.5)	(5.7)	(7.8)
Net premium yield	32.9	33.4		33.4	33.2	30.8

Average Loan Size of IIF (thousands)	$ 264.1	$ 261.6		$ 261.3	$ 259.0	$ 257.5

Annual Persistency ⁽⁵⁾	84.8 %	85.3 %		85.4 %	85.7 %	86.1 %

Primary Risk In Force (RIF) (billions)	$ 78.8	$ 78.0		$ 77.3	$ 76.8	$ 77.2
By FICO (%) ⁽⁵⁾
FICO 760 & >	44 %	44 %		43 %	43 %	43 %
FICO 740-759	18 %	18 %		18 %	18 %	18 %
FICO 720-739	14 %	14 %		14 %	14 %	14 %
FICO 700-719	10 %	10 %		11 %	11 %	11 %
FICO 680-699	7 %	7 %		7 %	7 %	7 %
FICO 660-679	3 %	3 %		3 %	3 %	3 %
FICO 640-659	2 %	2 %		2 %	2 %	2 %
FICO 639 & <	2 %	2 %		2 %	2 %	2 %

Average Coverage Ratio (RIF/IIF)	26.7 %	26.6 %		26.5 %	26.4 %	26.3 %

Direct Pool RIF (millions)
With aggregate loss limits	$ 177	$ 178		$ 179	$ 180	$ 186
Without aggregate loss limits	$ 49	$ 52		$ 54	$ 56	$ 70

(1)	In the third quarter of 2024, we updated our method for calculating the unpaid principal balance on our in force loans. This resulted in a $2.5 billion reduction in our insurance in force and resulted in a 0.2 basis point increase in our in force portfolio yield for the third quarter of 2024.
(2)	Total direct premiums earned, excluding premium refunds and accelerated premiums from single premium policy cancellations divided by average primary insurance in force.
(3)	Premium refunds and our estimate of refundable premium on our delinquency inventory divided by average primary insurance in force.
(4)	Ceded premiums earned, net of profit commissions and assumed premiums. Assumed premiums include our participation in GSE Credit Risk Transfer programs, of which the impact on the net premium yield was 0.6 bps in the fourth quarter of 2024. Ceded premiums for reinsurance cancellation activities decreased the premium yield by 1.9 bps in the fourth quarter of 2023.
(5)	The FICO credit score at the time of origination for a loan with multiple borrowers is the lowest of the borrowers' "decision FICO scores." A borrower's "decision FICO score" is determined as follows: if there are three FICO scores available, the middle FICO score is used; if two FICO scores are available, the lower of the two is used; if only one FICO score is available, it is used.

MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
ADDITIONAL INFORMATION - DELINQUENCY STATISTICS

	2024								2023
	Q4		Q3		Q2		Q1		Q4
Primary IIF - Delinquent Roll Forward - # of Loans
Beginning Delinquent Inventory	25,089		23,370		24,142		25,650		24,720
New Notices	14,127		13,679		11,444		12,177		12,708
Cures	(12,040)		(11,591)		(11,786)		(13,314)		(11,370)
Paid claims	(306)		(347)		(313)		(352)		(310)
Rescissions and denials	(27)		(22)		(16)		(19)		(17)
Other items removed from inventory ⁽¹⁾	(52)		—		(101)		—		(81)
Ending Delinquent Inventory	26,791		25,089		23,370		24,142		25,650

Primary IIF Delinquency Rate (count based)	2.40 %		2.24 %		2.09 %		2.15 %		2.25 %
Primary claim received inventory included in ending delinquent inventory	319		299		273		266		302

Composition of Cures
Reported delinquent and cured intraquarter	3,619		3,926		3,051		4,086		3,390
Number of payments delinquent prior to cure
3 payments or less	5,456		4,743		5,358		5,711		4,808
4-11 payments	2,404		2,277		2,649		2,769		2,341
12 payments or more	561		645		728		748		831
Total Cures in Quarter	12,040		11,591		11,786		13,314		11,370

Composition of Paids
Number of payments delinquent at time of claim payment
3 payments or less	1		2		1		—		—
4-11 payments	27		28		23		30		15
12 payments or more	278		317		289		322		295
Total Paids in Quarter	306		347		313		352		310

Aging of Primary Delinquent Inventory
Consecutive months delinquent
3 months or less	10,352	38 %	9,621	38 %	8,245	35 %	7,930	33 %	9,175	36 %
4-11 months	9,281	35 %	8,339	33 %	8,091	35 %	9,010	38 %	8,900	35 %
12 months or more	7,158	27 %	7,129	29 %	7,034	30 %	7,202	29 %	7,575	29 %

Number of payments delinquent
3 payments or less	14,135	53 %	13,096	52 %	11,716	50 %	11,620	48 %	12,665	50 %
4-11 payments	8,392	31 %	7,629	31 %	7,252	31 %	7,849	33 %	8,064	31 %
12 payments or more	4,264	16 %	4,364	17 %	4,402	19 %	4,673	19 %	4,921	19 %

(1)	Items removed from inventory are associated with commutations of coverage on non-performing policies.

MGIC INVESTMENT CORPORATION AND SUBSIDIARIES

ADDITIONAL INFORMATION - RESERVES and CLAIMS PAID

2024

2023

Year-to-date

2024

2023

Reserves (millions)

Primary Direct Loss Reserves

$ 460

$ 457

$ 475

$ 501

$ 502

Pool Direct loss reserves

Other Gross Reserves

—

Total Gross Loss Reserves

$ 463

$ 461

$ 478

$ 504

$ 505

Primary Average Direct Reserve

Per Delinquency

$ 17,159

$ 18,232

$ 20,307

$ 20,761

$ 19,562

Net Paid Claims (millions) ⁽¹⁾

$ 11

$ 10

$ 12

$ 13

$ 45

$ 46

Total primary (excluding

settlements)

Rescission and NPL settlements

—

Reinsurance

(1)

(1)

—

(3)

(1)

LAE and other

Reinsurance Terminations ⁽¹⁾

(3)

—

(9)

(3)

(9)

Primary Average Claim Payment

(thousands) ⁽²⁾

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MGIC Investment Corporation Reports Fourth Quarter 2024 Results

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