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Dec 31, 2025
MGIC Q4 2025 Earnings Report
MGIC Investment Corporation reported strong financial results for the fourth quarter of 2025, with increased net income and diluted EPS, and a significant amount of capital returned to shareholders.
Key Takeaways
MGIC Investment Corporation delivered solid financial results in Q4 2025, with net income of $169.3 million and diluted EPS of $0.75. The company ended the year with over $303 billion of insurance in-force and returned $915 million of capital to shareholders during the year, demonstrating strong financial stability and risk management.
Net income for Q4 2025 was $169.3 million, up from $184.7 million in Q4 2024.
Diluted earnings per share for Q4 2025 were $0.75, an increase from $0.72 in Q4 2024.
Adjusted net operating income per diluted share was $0.75 for Q4 2025, compared to $0.72 in Q4 2024.
The company ended the year with $303.1 billion of insurance in-force and returned $915 million of capital to shareholders during 2025.
Forward Guidance
MGIC Investment Corporation anticipates continued focus on strengthening its balance sheet and returning capital to shareholders, while navigating market dynamics and regulatory changes.
Positive Outlook
- Continued focus on strengthening the balance sheet and adding flexibility.
- Commitment to returning significant capital to shareholders, as evidenced by $915 million returned in 2025.
- Disciplined risk management and financial stability, grounded in decades of experience.
- Strategic reinsurance transactions to manage risk and capital requirements.
- Positive outlook from S&P on MGIC Investment Corporation and its core operating subsidiaries.
Challenges Ahead
- Potential for economic downturns and/or declines in home prices to lead to increased losses.
- Changes in GSE business practices or federal legislation could reduce revenues or increase losses.
- Uncertainty regarding PMIERs compliance and the need to maintain sufficient capital.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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