Hold. MTG trades at 9.6× forward earnings with a robust Value Compounder Score (89/100), supported by stable cash generation in mortgage insurance. However, Growth Compounder weakness (56/100) and medium-risk GSE dependency—particularly exposure to changing PMIERs eligibility and mortgage insurance cancellation policies—create structural headwinds. Leadership Alignment is adequate (72.5/100) but not exceptional enough to offset regulatory vulnerability.
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Stocky rates MTG (MTG) at 73/100 — a Hold — quality is solid but valuation or risk factors cap upside. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Hold. MTG trades at 9.6× forward earnings with a robust Value Compounder Score (89/100), supported by stable cash generation in mortgage insurance. However, Growth Compounder weakness (56/100) and medium-risk GSE dependency—particularly exp
MTG's current Stocky Verdict is 73/100, placing it in the "Hold" band. This composite combines a 89/100 Compounder score, 73/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for MTG yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
MTG scores 73/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
MTG's Vulnerability Profile scores 50/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to MTG.
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